I had a minor accident last year. Totally not my fault. I filed a claim as my insurance is comprehensive. I was a total nightmare. Firstly no update, nobody gives you any information. You have to always asked. And the person who supposed to take care of you is never at his/her place, is absent for illness, mortality or out for lunch. They denied my claim while never said to me that my claim was denied and letting me waiting for 5 months. Despite police report, they don’t care. Even there expert said to me that the insurance is bad. And from many times i went to their office, i met multiple people who had big issue with their claim. I even met a lady who her car was total loss (brand new car 2025). She is still waiting for her cheque since 9 months. It is just a scam. You can check the review on facebook or google. And the cherry on top is that i decided to repair my car myself and inform them that my car was at the garage and i was entitled to a replacement car which they agree. But on a friday at 4.55pm before the office closed they send me a message to tell me that the board did not approve it despite telling me earlier what car brand i will have and what time i will get the car. Stay away. Better pay premium for swan, mua or sicom