All car under 5 year will be replace with original part, after 5 year 2nd hand or new non ori part then insurance will -30% off each part (owner can choose ori part or better paint) but the balance owner have to pay, now workshop need to wait for the insurance to approved the payment B4 the workshop will start repairing (this mean more downtime) no more repair 1st to wait insurance company approved, as told by workshop (as if insurance not approved they will tell u to tow away your car or chop u on the repair). Choose workshop carefully when claim insurance (the best will be your friend workshop, never go to unknown workshop) if not they will tell u all the good thing u need to hear (even get some extra cash pay back from the balance repair which is bullshit) then after they received payment from insurance company they will chop u, need u to pay 1st for the extra b4 repairing, give u cheap part where they claim ori etc... Workshop is a big fat liar, they wan your insurance claim n your money. BEEN THERE DONE THAT.
As for premium insurance thanks to those ppl who stole their own car to fraud insurance, insurance company is losing money everyday. Thats y today insurance company take so long to approved n hard to claim minor accident.
This story is few year old already...