when a person buy MSIG insurance online, he uses DBS as his agent. DBS got same commission as an individual agent and they don't service you. so effectively, the person could have got a worse deal.
The reason why your motor insurance is more expensive is because of several reasons:
* due to million dollar lost in motor insurance industry, all insurance companies in singapore increase their premiums
* cars with the same model as yours in ntuc might have made more claims.
* there is 2% increase in GST
it is just natural feeling that we are not comfortable if we KNOW we are paying someone for service. but you don't stop dinning out just because of the 10% service charge right?
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