Used to buy FWD for most of my travels, however, will stop using them for any policies. (PA, motorcycle, travels, home, etc...) Airline had damaged my brand new luggage wheels (3 of 4) and I had put in a claim, along with SATS irregularity report and various extremely clear pictures. Also had proof of purchase from Bangkok. FWD denied the claim, simply saying that age of luggage cannot be ascertain..! While all my photos shows that it is brand new...!! Ergo, Etiqa, Direct Asia are far better options than FWD.