My policy is with April International and my broker is based in France. I originally had a broker in Huahin, but a few years ago they were no longer allowed to represent non-Thai-based policies and I was advised to not go with a Thai-based April policy; so I switched to a broker in France and continued with April International.
In today society the issue is people seem to think they only have to pay for product value + shipping etc costs at a most minimal possible way. The entire service / warranty part somehow needs to be free. The issues existing all are related to the same.
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