Besides premium, also need to consider other factors. For instance, NTUC still need Idac check, can be more troublesome. This is unlike the recent announcement in the papers where some insurance companies will do away with Idac starting from May and will do all the necessary paper work. (Touch wood), if kenna, just need to call the insurance company and it will do all the necessary paper work, including maybe give you a replacement car for use in the meantime. Some of the companies mentioned by some bro/sis are not so well known. Not sure any problem when need to make claims.