So if our family budget is limited for any month, isn’t it better to choose adequate and affordable coverage instead of paying for costly features I probably won’t use? After all, shouldn’t I prioritize meeting today’s basic needs, like school fees, without sacrificing essential financial security?

If online platforms and bank agents provide me with different premiums and add-ons, should I compare their claim settlement records and garage networks instead of just the price? How can I determine if a higher IDV or add-ons are worth the extra cost?