My sis-in-law owns a Toyota Avanza. Her 2 children drive her Avanza while she uses her Myvi. It's unfortunate that the Avanza had a few accidents over the past 2 years. There were 3 times for last policy year. AXA rejected the renewal because of the many claims. Allianz also did not accept this as new case. All the GI companies have linked up their information systems. They are able to tell how often have you claimed by checking into the system. There is no way you can lie. Allianz replied that they don't reject existing customers, but put on loading if the claims are too many. It is really unfair for AXA to refuse renewal. Anyway, I helped my sis-in-law to look for an insurance company that agrees to accept, and, bingo, thanks to Takaful Malaysia. There is no loading and they even give 10% discount for walk-in customers.
If you were to shop for a housing loan, hire purchase, personal loan and pawn service, don't forget to drop by Islamic banks. I think very often they are fairer to customers, including non-muslim.
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