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Message: <blockquote data-quote="bmwky" data-source="post: 454939" data-attributes="member: 102">Sorry to say i  do not believe so. 1st. My car is already  18 years old, two years ago I have no problem buying 3rd party policies for  RM100 bux only.  Why the sudden changes in one year time? (was already having the problem last year) What is the difference in risk between a 16 year old and 18 year old car???  500%???2nd. I have NEVER made any single claim on any of my cars in my 15 years of car ownership . Why suddenly my car become so risky that I have to buy comprehensive polices, add loadings, all  drivers and personal accident insurance (which I am already covered by my company)  There is no justification at all.  If given the option (meaning you can renew your road tax w/o insurance but in case of accidents you have to bear all liabilities),  I would rather take the risk myself instead of handing over RM500 bux for the insurance company to handle my "risks" for me. Screw them for their own inefficiencies.</blockquote>