After going through Ajith's experience, i too am gonna switch over from FG this feb when my insurance is due for renewal. i was given the FG insurance by the Dealer and stuck to it for the past 2 years since i wasnt in the country and the car wasnt driven much. but now, after reading the experience of fellow TFIans, i would not want to experience what Ajith did with FG. So, goodbye FG from me too!!