fb pixel

Can I get a no claims deduction when renewing with the same company?

Collision Insurance

General

Not all insurance approved paint and body work repair garages are managed the same, so from our experience, yes there can be a difference in both quality and service. As one of the weighing factors we will try to recommend an insurance company that has particular garages we favor in their network.


Be the first person to like this faq.

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.


Be the first person to like this faq.

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.


Be the first person to like this faq.

Of course!  Actually we do not determine the rates, the insurance company sends us the rates and we offer you a comparison between several companies for your comparison of coverage details and prices.  If you buy a policy through us we make a small commission from the insurance company.


Be the first person to like this faq.

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.

Be the first person to like this faq.

Process Logistics

Only if you are getting 1st class insurance with a new company.  Any existing damage will not be covered under the policy, so if possible, it's best to have all the existing damage taken care of before getting a policy from a new company. Also keep in mind that some insurance companies will not issue 1st class insurance if there are too many scratches.


Be the first person to like this faq.

Once you decide to move forward on a particular insurance policy we can issue you an invoice so you can make payment to our bank account. Once we receive the money we can send it to the insurance company and get them to issue the policy.

Initially they will send us a temporary policy which we will give to you. You are covered at this point but we have to wait approximately 2 weeks to receive the hard copy in the mail. 

Once we receive the hardcopy we will contact you to give you the option to either pick it up at our office or have us send it registered mail to your address.


Be the first person to like this faq.

Unfortunately not, insurance quotes are paid upfront for a whole year.


Be the first person to like this faq.

 Approximately 1 hour once we submit your info to the insurance company, however it will depend on our work load.  We have to take the information we receive in Thai for each company and put it in our side by side comparison template in either English, Thai, or Chinese for your convenience.


Be the first person to like this faq.

We need 

  • A scan/picture of your car’s blue title book page with your name in it.
  • A scan/picture of the picture page of your passport or Thai driver’s license.
  • Your current house address.
  • Your phone number.

Be the first person to like this faq.

Insurance Types

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.


Be the first person to like this faq.

The basic requirement is that the car cannot be over 10 years old. There are some less common models that insurance companies will not offer coverage for.


Be the first person to like this faq.

Please see the differences on the insurance page here


Be the first person to like this faq.

Language

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


Be the first person to like this faq.

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


Be the first person to like this faq.

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


Be the first person to like this faq.

Coverage Details

They can be if specified and documented with the insurance company. This extra coverage may affect your rate.  If there are specific items you want to have covered please provide us with the product details such as brand, model, submode, pictures, receipts, and/or value so that we can submit this when requesting a quote.


Be the first person to like this faq.

Insurance company’s policies change from year to year. In the past yes this was a possibility, but currently this is not a benefit offered by companies in our network.


Be the first person to like this faq.

Yes but only with a 1st class insurance policy.


Be the first person to like this faq.

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.


Be the first person to like this faq.

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.


Be the first person to like this faq.

Claims

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.


Be the first person to like this faq.

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.


Be the first person to like this faq.

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.


Be the first person to like this faq.

Because labor is so much cheaper in Thailand than in western countries, the amount of damage to a car will have to be much more extensive than in western countries to consider the car “totaled” and issue a pay-out.  In most cases the damage will be repaired.


Be the first person to like this faq.

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.


Be the first person to like this faq.

Other Types

Yes! See details here.


Be the first person to like this faq.

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!


Be the first person to like this faq.

Renewals

Yes, as long as it is 1st class insurance.  The discount is approximately 10%, maximum 5 years in a row, but it varies by company.


Be the first person to like this faq.

 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.


Be the first person to like this faq.

Can't find what you're looking for?