"If I refer to your original posting "Duit Kopi", why should BNM arrange for a "win-win" situation ? If it were to do so ,we would still have one loser: the customer. And I'd like to think this measure will give an incentive to insurer to improve their servicing. Or at least provide an online quote facility - which would then lead to online comparison websites like in most western countries. Not a bad thing IMHO." - Jacques Duquesne