Lmg Unfair Increase To Other Family Member Despite One Claim With Child

[tangcoral]

I just received the annual renewal fee with a 15% increased

I expected a increase of roughly 5% annually which I as the father received.

Not sure how or why but I am on a separate policy account as that of my wife and kid.

Maybe I being non-thai?

Anyhow my broker is saying LMG requires a child to be under one parent of which should be thai if exist.

My kid had an increased in premium of about 15% which was expected since we made one small claim last year but to see my wife's premium increase 15% as well was a bit surprising even having to had no claim on her part.

I know were talking about a small matter of 5-7 thousand baht but I feel it is unfair.

Unfortunately my wife was on a higher coverage plan while I was on a basic low cost plan.

Obviously I would have been better off if my kid was under my account instead if it required one parent.

We asked if we can downgrade my wife's plan since she was on the higher coverage plan

Surprise surprise, if she downgrades my kid goes down with her.

What are you thoughts or experience.