Wed - update

Well...not everything is fine esp the car thingy. Managed to go down to another workshop to sign over the work order for them to do quotation for repair. So by Friday they are supposed to get back to me about my share of the cost. Guessed nowadays, all insurance companies have this clause....at market value stated which they will use against the clients when there is a claim against self.
But when we buy the insurance...we buy at outstanding loan value as per our hire purchase agreement. That is about big different of value....for my case 42k vs 60k. So we are effective over paying for the insurance all the time....and yet the insurance companies claim that they lose money every year....how meh? Does not make much sense....we over paid them yet they lose money, somehow, someone must be making a lot of money out from this shit!
Only a fool can be fooled by their argument....yes? Some more they just increase their premium by in some cases 20 to 50% plus they put in higher excess. It's a sure-win situation for them. And now this....market value claim thingy! It is like a loaded-dice game...."pau huat" ( sure to make profit ) thingy for all insurance companies.