Hi Kin Lian,
Just to share with you my personal experience on the above. Faithfully, I drive safely for my personal and passengers' safety and earn no claim discount on my insurance premium. It reached the maximum of 50% within the first few years of owning/driving a car.
After 25 years of paying insurance premium, I feel like one of the loyal contributors to the pool for the sake of other not-so careful motorists and unfortunate injured persons. Insurers love to have us as we just pay and don't have to claim. But they don't differentiate us from other motorists.
Insurers made losses from motor insurance of which I did not have anything to do with it, yet I have to bear with adjustments in premium that they enforce to all insured parties.
Beside giving up owning a car, do you have any advice for me to look into for the sake of saving in motor insurance premium?
PT
REPLY
If your insurer increase the premium, you can look for another insurer who may be able to offer you a lower premium. The hotline numbers are shown in the FAQ:
http://www.tankinlian.com/faq/motord.html
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