first tengok berapa lu sum insured kat insuran dulu bro...insurance mmg ada check market value...aku aritu pi renew insuran kete...aku nak insured 50k pasal sen tarak...orang tu check market value dia kata 65k...so kalau aku insured bawah dari market value..pepehal jadi...ikut sum insured je...kalau aku insured lebey dari market value..dia still amik market value je maksima