If the transfer settles the same day it's no issue, i did 400k checked it then another 400k within a couple minutes. The 400k was in case it didn't settle the remaining 400k was within the limit at the time. You'll need passbook or statements for both accounts
I made one small claim and it was paid, and one equalled the excess so no point claiming. Expect the insurer to check the details like were you in homeland 6 months before trip, driving licence, not over alcohol limit etc etc
Usually 12.5k for yearly extension, they have the best price, others charge more for nothing. First 15 month ball park 26k. Extra 1-4k if you want re-entry permit same everywhere