Car Insurance Thailand Class : 1

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 3,000,000 per person and THB 10,000,000 per occurrence.
• Property damage: Up to THB 5,000,000 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.

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