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No more free servicing liao for my Sylphy, going for 20k servicing soon. Can I check with those with the experience here if I am able to bring my own oil filter & air filter? How much can I save by doing so?

I bought a Toyota Wish from Borneo Motors a couple of months ago. The salesman offered me the standard AIG Auto Protector policy (supposedly "comprehensive"), which I took as using some other insurance would incur a penalty. This seems to be fairly standard practice among many dealers, including ADs. I saw this letter published in the newspaper a few days ago (I think it was on 2nd June): In case it isn't clear, the writer (Tan Siak Khian) is claiming that there are clauses in this standard policy that exclude coverage for unnamed passengers falling outside the age range 16-65 (meaning the young and the elderly) and also passengers who are intoxicated (meaning that if you are the designated driver ferrying a drunk passenger around, that passenger will not be covered in the even of an accident). I checked my own policy yesterday, when I was relatively free. I've attached a photo of the offending section. It appears the letter writer was spot-on in his observation (look at parts d. and e.). I'm now worried about the implications of this contract on coverage for my 12-year old child and my elderly parents. Does this mean I can't safely carry them in my car anymore? I've never heard of "named passengers", but does AIG expect me to nominate them personally to ensure coverage? My sales guy at Borneo was of little help - I asked him to clarify this a few days ago, but he has yet to respond. BTW, my father's Nissan Note from Tan Chong was also insured under this AIG scheme, and that also has weirdness - he tells me the policy only applies if he (the driver) is under 65, but he did declare his age correctly at the time of application (and they approved it!). I don't think any of our other policies (with other insurers) have these issues. I'm making this post to advise others to read through their policy terms very carefully, and if possible, share what they find. I'm also asking for advice about my options. I believe I can cancel my AIG policy and get the remaining premium, but there's always a penalty for early cancellation. Do you think that I should be able to make a case for waiver of this penalty given the (in my view) unjust clauses embedded in this contract? Also, I wonder if this legal language falls afoul of the Motor Vehicles (Third-Party Risks and Compensation) Act (CHAPTER 189)? Quoting, Interestingly, the Act talks about the liability of the user, but does not directly address the liability of the insurer? Or is that implied since the Act is about insurance anyway?

[extract] Following the recent launch of the face-lifted 2010 QASHQAI, the dynamic mid-size crossover has now expanded its offer with a seven-seat version, called QASHQAI+2. Building on the original QASHQAI