Collision Insurance

All your questions answered about various insurance levels for driving in Thailand.

We can issue collision insurance from many companies at competitive rates (rates are set by the insurance company, not us).  This type of insurance is not required by law, but we highly recommend it as the required gov. insurance (p.r.b) only covers some basic medical expenses.  

 

Factors affecting insurance rates:

  • Vehicle details - make, model, year, market value
  • Coverage details - 
    • Property damage coverage amounts for both parties 
    • Medical coverage amounts for both parties
    • Other coverage amounts for fire, theft, flood, etc
  • Claim scenario exclusions
  • Deductible/ Excess
  • Mileage limitations (rare)
  • Designated driver (even more rare)

 

Insurance Levels/Types

1st Class

(Fully Comprehensive)

Level 2+ Level 3

(Liability

Coverage Covers property damage and medical for both parties, fire/theft coverage on your car. Covers incidents of damage to your vehicle not involving another party (ie. hitting a curb, backing into a post, etc.). Generally the same monetary value of coverage as first class, but you do need to actually get into an accident with another party and have a witness present in order to claim. Covers property damage and medical for both parties, and fire/theft coverage on your car. (If you don’t want/need fire and theft coverage you can go for Level 3+ which may be about 1000 THB cheaper)

* Does not cover incidents of damage to your vehicle not involving another party (ie. hitting a curb, backing into a post, etc.).

Only for the other party’s property damage and medical (no property damage on your vehicle).
Claims No witness required to claim on damage (ie. hit and runs, self inflicted damage to the vehicle not involving another party). A witness is required to claim on damage  A witness is required to claim on damage 
Vehicle Ages Only available on vehicles 10 years or newer unless renewing the same policy.  Any Any
Repair Center Type
Garage - claims are done through a repair garage within the insurance company's network (non dealer).
Dealer - claims are done through the vehicle brand's dealership directly.
Garage Garage
Rates
- Garage: Most policies we issue are around 13-18,000 THB/ year.
- Dealer: 18-28,000 THB/ year.
Most policies we issue are around 6-10,000 THB/ year Most policies we issue are around 2-3,000 THB/ year
No-Claim Discounts Are often also given on renewals.  No No
Vehicle Pictures The insurance company will need to take pictures of the vehicle (if there are too many blemishes they will not be able to issue a policy until the damage is taken care of). Not required. Not required.
Roadside Assistance Only some companies (Allianz) also offer road-side assistance included with the policy. Only some companies (Allianz) also offer road-side assistance included with the policy. Only some companies (Allianz) also offer road-side assistance included with the policy.

Collision Insurance FAQs

Collision insurance offers coverage primarily on paint and body work caused from a collision as well as other medical coverage for both parties. Damage to other mechanical components will only be covered if it is very obvious it was caused by the accident.

Mechanical Insurance is a type of insurance that offers coverage for various mechanical components of your car that do not occur in the case of a collision ie. normal operating conditions. See more details here.


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We can provide the quote in English, Thai, or Chinese. All three if you’d like!


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This depends on the insurance company but most of the companies we work with offer the policy in Thai and English.


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Call centers are primarily operated by Thai speakers but most of the companies we work with will have someone that can speak some English.


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Most policies are set to be an unnamed driver which means that anyone can drive your car and be covered.  In some rare cases you could get a named policy, but we don’t recommend it.


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The quotes we give do not have a deductible as our network has stopped providing this option.  Previously when this was an option the price difference between having a deductible was also not worth it in our opinion.

 

There are, however, a couple cases where you will have to pay an excess. The first case the excess will be about 1-2000 THB, and this is in the case you are making a claim with your first class insurance policy and the insurance company deems that the various damages came from more than one incident. The other is if you want to claim various scratches all around and repaint the whole car. In this case the excess will be approximately 5-10,000 THB.


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We are always here to help if you should need assistance of any kind with your insurance. Here are some details of how we can help:

  • Free services:
    • Phone assistance with any communication problems with the insurance company call center when making a claim.
    • If you have 1st class insurance and need to make a claim after an incident on your car, either caused by you, or no witnesses are available, and you bring your car to our office we can assist you to call the insurance company to send an agent out to assess the damage and give you a claim paper that you can take into one of their approved garages.
    • Changing your address. We don’t charge for this service, but the insurance companies usually charge approximately 150 THB, so we will need to collect this fee.  *Note: Your insurance policy must be at least 3 months old in order to change the address
  • Extra service fee:
    • Logistics with the repair garage when making a claim.  Once you have a claim paper, if you want to avoid the inconvenience of scheduling the repair with an approved garage, dropping it off for the appointment, and picking it up when the time comes you can use our Insurance Claim Liaison Service.

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Yes but only with a 1st class insurance policy.


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