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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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.
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. |
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:
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We can sell from approximately 30 different insurance companies. When we give you a quote comparison we usually will show you 3-5 companies that we have had good experience with. If you have a specific company you are interested in we can also get you a quote from them if they are in our network.
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The basic process is as follows:
* 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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This changes from year to year so we can’t recommend any one company, but we offer comparisons from the companies we have had the best experience with in terms of value for money (price vs coverage details), ease of communication and making claims, and also the quality and expediency of repair garages work within the company’s network.
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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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Everything you need to know about buying, selling and caring for your car while living in Thailand.