So many things to take note... Thanks.
I tot of only things like
Free towing service,
Replacement car,
Excess amount
Now have to take note of more things...
Set yr priority first, for instance, for me:
a. I dun mind paying some excess (it will lower my premium)
b. Unlimited windscreen replacement (windscreen very vulnerable, if u unlucky, will hit by stone etc and crack)
c. location of workshop (convenience issue)
if u everything also want, for e.g replacement car, bla bla bla... then premium will be higher...