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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
CoverageCovers 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).
ClaimsNo 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 AgesOnly available on vehicles 10 years or newer unless renewing the same policy. AnyAny
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.
GarageGarage
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/ yearMost policies we issue are around 2-3,000 THB/ year
No-Claim DiscountsAre often also given on renewals. NoNo
Vehicle PicturesThe 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 AssistanceOnly 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.

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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 We can provide a renewal quote up to 30 days before your policy expires so its up to you. We would recommend you take care of any existing damage before renewing your policy if possible; if you should decide to go with a new company the new company will have to take pictures if it's for 1st class insurance and any existing damage won’t be covered.


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Yes! See details here.


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Yes!  See details here. 

*Note: If you’re buying a car from us then the first year is included with our Platinum Certified and Gold class cars!


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We are not an insurance claim garage, so the repairs will be done at one of the garages in the company’s network. However, in the case that you don’t want to claim the damage on your car through the insurance either because of time constraints or avoiding a hike in your insurance policy, we can give you a quote and arrange the work for you.

See details about our paint and bodywork services here.


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No, free rental cars are not offered as a benefit from any insurance companies in Thailand.  If we don’t have a rental car available we also have several partners to be able to arrange a reasonable rate for you. See rental car details here.


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This depends on the amount of work as well as how long it takes to order parts. Some models where parts have to be ordered from out of the country can take significantly longer. Shortest period is about 5 working days, the average is about 14 working days , the longest is about 4 months.


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The basic process is as follows:

  1. As it may affect the claim process, don’t move your car except for the following reasons:
  1. The police come and direct you to move it
  2. The cars are not badly damaged and it is entirely blocking the flow of traffic.
  1. Put your flashers on any other emergency road signs (if you have any) to prevent further accidents.
  2. Exchange contact details with the other party such as Insurance policies and phone numbers.
  3. Call your insurance company and they will send an agent as soon as possible and also call police or medical services if needed. Wait there for them.
  4. Once the agent comes, they will deal with the police (if any) and talk with the other party involved.  
  5. The agent will check the car and make note of all the damages for both parties.  Before you sign the claim paper make sure that it has all the damage listed that you want to have covered, otherwise it cannot be corrected later.
    1. If the car is driveable then you can drive the car and take the claim paper into one of the company’s approved garages to make an appointment for repair. Claim papers are good for up to 1 year. It's best to get it don’t before your policy expires though as you don’t want to have any existing damage if you should decide to change insurance companies (pictures are required for 1st class insurance). 
    1. If the car is not driveable then the insurance company will assist in getting a tow truck to take your vehicle to the closest approved repair garage to your house unless specified otherwise.
      1. If the incident happens at night you should get a taxi (grab) home and then contact the insurance garage the next day.
      2. If it’s during the day you could either go with the tow driver or take a taxi to the insurance garage to sort the repair appointment and time-frame out.

 

* If you should need help with the logistics of getting your car repaired you may want to consider our Insurance Garage Liaison Service. See details here.


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