Read the whole post today only. Very sorry for all your bad experience. Definitely I'm not going to renew my existing FG policy. In fact, I was thinking of topping up my existing policy with add-ons. Will I do that?? Hell no FG. FG has totally incapable team of workers. No wonder they registered my 76hp emotion as 90hp emotion pack. Frankly, FG under estimated the power of internet forums.