ok...wen u buy insurance rite... got 1st party..2nd party..3rd
party.....1st party u can claim anything and everything.....2nd
party fire and theft...3rd party...not sure but damn fucked up~~
thn got access ....access is wen u self accident or u cannot claim
other party insurance rite.... its either u claim from yr own
insurance or u come out yr own money... access can b from 700-1500
for 2b bikes...
so wad happenes is if u wanna claim rite u pay for the access lets
say 700bucks is yr access thn u pay 700 and the rest insurance pay
for u... but wen u renew yr insurance rite...it will b abit higher
lah