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Comprehensive Guide to Type 1 Car Insurance in Thailand

Are you looking to buy the best Class 1 car insurance policy in Thailand? Look no further! This comprehensive guide will walk you through everything you need to know about Type 1 car insurance in Thailand from coverage details to how to get the best deal.

What is Type 1 Car Insurance?

Type 1 Car Insurance also known as Class 1 or First Class insurance is Thailand's highest level of car insurance coverage. It provides the most comprehensive protection and liability coverage for your vehicle.

Key Features of Type 1 Car Insurance

  • Comprehensive coverage for damage to your vehicle
  • Third-party liability protection
  • Fire and theft coverage
  • Driver/passenger accident cover
  • Natural disaster protection including flood
  • Bail bond coverage

What Does Type 1 Car Insurance Cover?

Coverage for Damage to the Vehicle

  1. Own Damage (not involving a third party): Compensates for damages to your vehicle including accessories and fixtures caused by collision or overturning.
  2. Own Damage (involving a third party): Covers damages to your vehicle when involved in a collision with another party.
  3. Windscreen Damage: Covers damages to your windscreen up to the market value.

Third-Party Liability Coverage

  • Bodily injuries or death: Up to THB 3 0 000 per person and THB 10 0 000 per occurrence.
  • Property damage: Up to THB 5 0 000 per occurrence.

Additional Coverage

  1. 24-hour Roadside Assistance: Includes services like towing jump-starting fuel delivery and changing flat tires.
  2. Replacement Car: Provides a temporary car while your vehicle is being repaired or replaced.
  3. Transportation Compensation: Reimburses travel expenses during the repair period.
  4. Theft Protection: Covers damages or losses due to theft robbery or attempted theft.
  5. Fire Protection: Compensates for damages caused by fire either partially or in full.
  6. Natural Disaster Coverage: Includes protection against floods and other natural disasters.
  7. Personal Accident Coverage: Offers compensation for bodily injuries or loss of life for insured persons.
  8. Medical Expenses: Covers reasonable medical and surgical expenses for injuries sustained in an accident.

What's Usually Not Covered?

  • Negligence
  • Wear and tear
  • Driving with an invalid license
  • Driving under the influence of alcohol or illegal drugs

How Much Does Type 1 Car Insurance Cost in Thailand?

Type 1 Car Insurance in Thailand typically ranges from 4 347 THB to 18 916 THB per year. Our policies start at just 4 000 baht per year with an average cost of around 15 000 baht.

Factors affecting the cost include:

  • Vehicle make model and year
  • Car group
  • Location (province or city)
  • Age of the driver
  • Type of repairs covered (dealer or garage)

How to Get Cheaper Type 1 Car Insurance

  1. Choose a Higher Excess/Deductible: This lowers your premium but increases your out-of-pocket expense in case of a claim.
  2. Opt for Garage Repairs: Garage repair plans are significantly cheaper than dealership repair plans.
  3. Limit Your Mileage: Selecting a policy with a kilometer limit can reduce your premium.
  4. Name Drivers: Naming up to two drivers on your policy can often lower your insurance cost.
  5. Maintain a Clean Driving Record: Some insurers offer no-claims bonuses for accident-free years.
  6. Install a Dashcam: Many insurance companies offer discounts of up to 5% for drivers with dashcams.

Special Coverage and Additional Extras

  1. 24/7 Roadside Assistance: Includes services beyond basic towing.
  2. Accidental Cover for Tires Battery Lubricant & Coolant: Some plans offer coverage for wear-and-tear prone parts.
  3. Courtesy Car Cover: Provides a replacement vehicle during repairs.
  4. Theft Cover for Belongings: Extends coverage to personal items in your car.
  5. Charging Equipment Cover: For EV and hybrid vehicles some plans cover charging equipment.

Top 5 Car Insurance Companies for Type 1 Insurance in Thailand

  1. Viriyah Insurance Public Company Limited
  2. Tokio Marine Safety Insurance (Thailand) Public Company Limited
  3. Bangkok Insurance Public Company Limited
  4. Thanachart Insurance Public Company Limited
  5. Muang Thai Insurance Public Company Limited

How to Apply for Type 1 Car Insurance in Thailand

  1. Compare Plans & Premiums: Select the plan that's right for you.
  2. Apply: Through our website or contact our customer service team.
  3. Submit Documents:
    • Copy of your Passport or Thai Driving License
    • Copy of your Bluebook or Registration or Deed of Sale
  4. Get Covered: You're insured immediately after confirmation with full coverage active after car inspection.

Frequently Asked Questions

How do you claim for Type 1 car insurance?

Call your insurer's hotline immediately after the incident. Allow the insurance company to assess the damage. Follow their instructions for repair and compensation.

Can I switch from another type of insurance to Type 1 mid-policy?

Yes but it may involve fees or premium adjustments.

Does Type 1 insurance cover rental cars in Thailand?

Generally no unless explicitly stated in the policy.

Are there age restrictions for purchasing Type 1 car insurance?

Most companies don't have strict age restrictions but premiums may vary based on age.

Can I transfer my no-claims bonus from another country to Thailand?

It depends on the insurer. Some may honor international no-claims bonuses with proof.

Does Type 1 insurance cover damage from natural disasters other than floods?

Yes it typically covers other natural disasters like earthquakes and storms.

What should I do if I disagree with the insurance company's assessment?

Request a reassessment provide additional evidence seek mediation or consider legal action as a last resort.

Is it possible to insure a car registered in another person's name?

Yes by listing the registered owner as an additional insured party.

How does having a dashcam affect my Type 1 insurance policy or claims?

It can provide clear evidence in accidents potentially speeding up claims and sometimes offering premium discounts.

Remember while this guide provides a comprehensive overview always check the specific terms and conditions of your chosen policy. For personalized advice and the best deals on Type 1 car insurance in Thailand don't hesitate to contact our team of experts.

How to Buy the Best Car Insurance Class 1 in Thailand: A Comprehensive Guide

Looking to buy the best Class 1 car insurance policy here in Thailand? Look no further! Our platform offers extensive customization options enabling you to tailor your coverage to suit your needs. As an added bonus we offer a 10% discount if you have a dashcam installed and allow you to pay for your policy in 10 monthly installments using your debit or credit card. With our mobile app you can easily inspect your car and file claims with a guaranteed 30-minute response time. In the unfortunate event of an accident you can choose from our wide network of partner car repair garages.

Here are the details of Class 1 voluntary car insurance coverage:

Coverage for damage to the vehicle

Own Damage - not involving a third party.

Our policy compensates for damages to your vehicle including additional accessories and fixtures caused by collision overturning or any incidents not involving a third party. *Pay up to the sum insured stated on the policy.

Own Damage - involving a third party.

Our policy compensates for damages to your vehicle including additional accessories and fixtures caused by collision overturning or any incidents not involving a third party. *Pay up to the sum insured stated on the policy.

Damages to windscreen

The insurance policy covers damages to the windscreen of your vehicle up to the market value. This means that if your windscreen is damaged the policy will pay out the amount equal to the current market value of the windscreen. This coverage ensures that you can replace your windscreen without incurring any financial burden.

24 hours. Roadside assistance

The policy includes 24-hour roadside assistance which covers services such as towing jump-starting fuel delivery and changing flat tires ensuring that you are never stranded on the road in case of an emergency.

Replacement car

The policy will provide a temporary car to use until their own vehicle is repaired or replaced. This coverage ensures that you are not left without a means of transportation which can be especially important for those who rely on their vehicle for daily activities such as work or school.

Transportation compensations and expenses while the vehicle is being fixed

Get reimbursed for their travel expenses such as rental cars public transportation or ride-sharing services during the period of time when their vehicle is out of commission due to repairs covered under the policy. In addition you will also get compensated for the duration that you have been hospitalized.

Theft fire and natural disaster coverage


Theft

In the event of theft robbery gang robbery or embezzlement during the insurance period the company will provide compensation for any damages incurred to the vehicle. This includes compensation for any additional accessories equipment or fixtures specified in the policy.

If there is an attempted theft robbery gang robbery or embezzlement the company will still provide compensation for any resulting damages to the vehicle. The compensation provided will be sufficient to cover the cost of repairing or replacing the damaged parts.

It is important to note that this compensation only applies during the insurance period. Therefore it is essential to keep the insurance policy up-to-date to ensure that any potential damages resulting from theft robbery gang robbery or embezzlement are covered.

*Pay up to the sum insured stated on the policy.

Fire

During the period of insurance the company will provide compensation for any damages incurred by the vehicle as a result of fire either partially or in full. In the event of such an unfortunate incident the insurance policy will cover the costs of repairing or replacing the vehicle providing the policyholder with financial relief from the burden of unexpected expenses.

**Pay up to the sum insured of the policy.

Natural disaster including flood

During the insurance period the company will provide compensation for any damage caused to the vehicle by a covered natural disaster including any specific additional accessories equipment and fixtures that may have been affected. The compensation will be aimed at restoring the vehicle to its pre-damage state ensuring that all losses are accounted for and covered by the insurance policy. This coverage ensures that the vehicle owner will not have to bear the entire financial burden of any loss caused by the natural disaster.


**Pay up to the sum insured of the policy.


How to Buy the Best Car Insurance Class 1 in Thailand: A Comprehensive Guide

Looking to buy the best Class 1 car insurance policy here in Thailand? Look no further! Our platform offers extensive customization options enabling you to tailor your coverage to suit your needs.

Here are the details of Class 1 voluntary car insurance coverage:

Coverage for damage to the vehicle

Own Damage - not involving a third party.

Our policy compensates for damages to your vehicle including additional accessories and fixtures caused by collision overturning or any incidents not involving a third party. *Pay up to the sum insured stated on the policy.

Own Damage - involving a third party.

Our policy compensates for damages to your vehicle including additional accessories and fixtures caused by collision overturning or any incidents not involving a third party. *Pay up to the sum insured stated on the policy.

Damages to windscreen

The insurance policy covers damages to the windscreen of your vehicle up to the market value. This means that if your windscreen is damaged the policy will pay out the amount equal to the current market value of the windscreen. This coverage ensures that you can replace your windscreen without incurring any financial burden.

24 hours. Roadside assistance

The policy includes 24-hour roadside assistance which covers services such as towing jump-starting fuel delivery and changing flat tires ensuring that you are never stranded on the road in case of an emergency.

Replacement car

The policy will provide a temporary car to use until their own vehicle is repaired or replaced. This coverage ensures that you are not left without a means of transportation which can be especially important for those who rely on their vehicle for daily activities such as work or school.

Transportation compensations and expenses while the vehicle is being fixed

Get reimbursed for their travel expenses such as rental cars public transportation or ride-sharing services during the period of time when their vehicle is out of commission due to repairs covered under the policy. In addition you will also get compensated for the duration that you have been hospitalized.

Theft fire and natural disaster coverage


Theft

In the event of theft robbery gang robbery or embezzlement during the insurance period the company will provide compensation for any damages incurred to the vehicle. This includes compensation for any additional accessories equipment or fixtures specified in the policy.

If there is an attempted theft robbery gang robbery or embezzlement the company will still provide compensation for any resulting damages to the vehicle. The compensation provided will be sufficient to cover the cost of repairing or replacing the damaged parts.

It is important to note that this compensation only applies during the insurance period. Therefore it is essential to keep the insurance policy up-to-date to ensure that any potential damages resulting from theft robbery gang robbery or embezzlement are covered.

*Pay up to the sum insured stated on the policy.

Fire

During the period of insurance the company will provide compensation for any damages incurred by the vehicle as a result of fire either partially or in full. In the event of such an unfortunate incident the insurance policy will cover the costs of repairing or replacing the vehicle providing the policyholder with financial relief from the burden of unexpected expenses.

**Pay up to the sum insured of the policy.

Natural disaster including flood

During the insurance period the company will provide compensation for any damage caused to the vehicle by a covered natural disaster including any specific additional accessories equipment and fixtures that may have been affected. The compensation will be aimed at restoring the vehicle to its pre-damage state ensuring that all losses are accounted for and covered by the insurance policy. This coverage ensures that the vehicle owner will not have to bear the entire financial burden of any loss caused by the natural disaster.


**Pay up to the sum insured of the policy.





Third party liability coverage


Liability for bodily injuries or death / person and liability for bodily injuries or death / accident

Up to THB 5 0 000 per occurrence for property damages and up to THB 3 0 000 per person and THB 10 0 000 per occurrence for bodily injuries and loss of life.

Property Liability

The policy compensates for damages to third-party property or individuals caused by your vehicle during the insurance period up to the amount specified on the policy. This includes property damages.

Additional Coverage


Personal accident coverage

The policy offers compensation for the loss or bodily injuries of the insured person(s) caused by the loss of life hand foot vision permanent disability or temporary disability.

Medical expenses

The policy covers actual and reasonable medical expenses surgical expenses and hospital service expenses for any covered person who sustains bodily injuries caused by an accident while in entering or exiting the vehicle.

Bail bond coverage

The policy covers bail bond coverage in case of detainment by a third party or the police.

Additional Options for your car insurance policy

Deductible/ excess

When purchasing an insurance policy the insured typically has the option to select a deductible and excess amount. The deductible is the amount of money the insured must pay out of pocket before the insurance policy begins to cover the remaining cost of a claim while the excess is the amount the insured agrees to pay in addition to the deductible. By choosing a higher deductible and excess the insured is effectively taking on more financial risk in the event of a claim. However this increased risk results in a lower premium as the insurance company can reduce their potential payout in the event of a claim. In other words the insured is willing to pay more out of pocket in exchange for a lower premium. Therefore selecting a higher deductible and excess can help make an insurance policy more affordable.

Repair types

When it comes to car insurance policies there are two main types of repair options available: dealer type and garage type.

Dealer repair type &x; Garage repair type

The dealer repair type allows you to get your car fixed at the manufacturer's dealership whereas the garage repair type involves getting your car fixed at one of the networked garages of the insurance company. While both options have their advantages the dealer repair type is generally considered to be more expensive than the garage repair type. This is because the manufacturer's dealership often charges higher rates for parts and labor. On the other hand the garage repair type may be more convenient and cost-effective as the insurance company has pre-negotiated rates with their networked garages. Ultimately it's up to you to decide which type of repair option works best for your needs and budget.

Named-driver plans

Policyholders can reduce their car insurance premium by adding named drivers up to two drivers on their policy. This is because having more drivers on the policy reduces the risk for insurance companies. In case of more than two drivers policyholders can choose a no named driver plan as well. Additionally insurance companies also offer discounts based on the age range of the drivers.

  • Drivers in the age range of 18-24 can receive a discount of up to 5%
  • Drivers in the age range of 25-35 can receive a discount of up to 10
  • Drivers in the age range of 36-50 can receive a discount of up to 15%
  • Drivers in the age range of 51 and above can receive a discount of up to 20%

By taking advantage of these discounts policyholders can significantly reduce their car insurance premium.

Dashcam

Installing a dashcam in your car can have a significant impact on your car insurance premium. Many insurance companies offer discounts of up to 5% on car insurance premiums for drivers who have a dashcam installed in their vehicle

Steps to apply for Car insurance in Thailand

Buying car insurance is simple & easy

To apply for car insurance we will need the documents from you as below (This applies to every insurance companies) :

  1. Apply through our website or contact a customer service representative.
  2. Submit a copy of your Passport or Thai Driving License.
  3. Submit a copy of your Green book or Registration or Deed of Sale.
  4. Pay Invoice Premium
  5. You’re covered.
  6. The original documents (policy) will be sent to your mailing address within 7-14 days

*Some insurance companies ask for pictures of your car but most insurance company schedule and inspection date most especially with First class insurance.

You can send addtional documents to us by LINE Chat with us or by Email support@checkdi.com


Frequently Asked Question

What is the difference between 3rd 2nd and 1st class insurance?

First class insurance is comprehensive and covers the car and third party as well. For the others 2nd and 3rd class usually just covers third party liability. 2+ and 3+ class still has partial coverage for your car but 3rd class mostly is for third party liability.

What is Dealer and Garage coverage for car insurance mean ?

When buying Class 1 (First Class) car insurance you can always choose between Dealer or Garage coverage. Meaning that when you have been in an accident if you have a dealer car insurance policy and you drive a Toyota you can take your car into Toyota Dealer to get reparied but if you have a Garage policy you will need to go to a normal contacted garage. Car insurance with dealer type of coverage is of course will be more expensive than the normal garage coverage.

If I bought Type 1 Car Insurance would I have coverage right away?

Yes You will have coverage right away( After you receive confirmation email from CheckDi ) for third party liability and damages from vehicle to vehicle collision. Coverage form damages due to collision without a third party or self inflicted accident will become active only after you pass the car inspection.

If I were to be in an accident and the car cannot move - will 1st class insurance cover the towing of the car?

Yes. Class 1 insurance will tow your car to the nearest garage or dealer that you wish if and only if you have been involved in an accident only (Different to the Roadside Service coverage)

If I buy now will I be covered today as well?

Yes if your coverage start date is today your accidents will immediately be covered. As long as you have already paid then coverage is already guaranteed.

Is there a hotline for emergencies?

Every insurance company is required to have a Emergency hotline.

Can I put a name driver? Will this be cheaper?

In some cases yes it will be cheaper. however the premiums on our website are campaign premiums and this is already cheaper than what insurance companies offer. However if you want to name drivers you can name up to 2 drivers and the premium sometimes will be cheaper but that means only the drivers that are nammed can drive the car only.

Will this provide coverage for when I hit a property or a person?

Yes all of these insurance policies provide cover for public liability or third party property insurance.

What insurance should I get?

What we always recommened is to always go for Class 1 (First class) as this will cover you the most. However if you only want partial coverage for damages for you car you can always go for class 2+ and 3+. And last if you want only third-party cover you can always go for Class 3 (Third Class).

What are the qualified car ages for these insurance classes ?

This will depend on the insurance companies and their premium campaign however more or less for Class 1 (First Class) the qualified will be between 1-10 years old. Class 2+ and Class 3+ will be between 1 - 15 years old and Class 3 will have the age limit of 25 years old.

Is there a no-claim bonus ?

No-claim bonus will only be available for First class insurance (Class 1) If you haven't made any claims on your policy you will get a no-claim bonus of 20% every year until your no-claim bonus reaches 50% *This will depends on the guidelines of each insurance company some companies offer a no-claim bonus and some don't.

If I have a dashboard camera can I apply for discount?

Not all companies have implemented this as of now but there are some companies that provide discounts for cars that have dashboard cameras. You can select the dashcam option when comparing and quoting through our comparison service.

How long until I get my original policy ?

You will receive 2 sets of documents (PDF and original documents)

We will send the PDF documents set by LINE or Email within 1-2 days in which you can print this and keep in with you (or in your vehicle) as this will be your temporary policy (any emergencies or accidents this document will be enough)

For the original documents set you will get them within 7-14 working days. We will send them to your mailing address that you have specify. In the mean time your car is already covered and you can call the hotline for emergencies and accidents.

How to contact you ?

You can always call us at our Hotline : 02-985-9000 or Chat with us LINE@ @checkdi or Email us : support@checkdi.com

Office hours Mon-Fri : 08:00 - 17:30

Claims Procedure

Steps to do when you have been involved in an accident.

For motor insurance incase of accident please call hotline immediately and assessor will go directly to accident site to evaluate the accident.

Call to report an accident to the insurance company.
If you need to move the car immediately before the inspector arrives be sure to take pictures of all the angles before moving the car.

For Hit and Run cases - Inform local police station at the scene and inform police the nature and color of car and then call insurance company hotline

For vehicles that disappeared or carnapped - immediately notify local police station and then call insurance company hotline

For cases of death or injury - bring aid to the victims to the nearest hospital and call the insurance company hotline.

For securities bail - notify the company immediately if you have purchased insurance coverage the company will provide bail shortly not exceeding the coverage indicated in the schedule or policy.

In Case of damage (no parties involved) call insurance company hotline to report the damage before fixing the damage yourself.