Voluntary Motor Insurance

Compulsory car insurance only provides limited benefits. You should also purchase a voluntary car insurance policy to protect yourself and your vehicle.
Voluntary Car insurance is divided into 5 categories

The coverage you choose

You can save money by choosing a policy with an excess. Roojai.com offers lower premiums for policies with an excess.

If you make a claim where you are at fault (or no third-party is involved), you pay for your vehicle’s repair costs up to the amount of the excess. The insurance company will pay for your vehicle’s repair costs above the amount of the excess.

If you make a claim where you are not at fault, the excess will not apply.

Here are some examples to show how your policy excess works:

  • You purchase a policy with an excess of ฿ 3,000.
  • You make a fault claim and it costs ฿ 25,000 to repair your vehicle. You pay ฿ 3,000 and the insurance company pays the rest (฿ 22,000).
  • You make a claim that does not involve a third party and it costs ฿ 2,000 to repair your vehicle. You pay this repair cost yourself, since the total repair cost is less than your excess amount of ฿ 3,000. The insurance company will not pay this cost for you.
  • You make a claim involving a third-party where the third-party was at fault and it costs ฿ 40,000 to repair your vehicle. Your excess does not apply since you were not at fault. The insurance company pays for all your repair costs (฿ 40,000). You do not pay anything.

You will pay less if you choose a policy with excess and don’t make any claims, since Roojai.com offers lower premiums for policy excess.

However, if you choose a policy with excess and make one or more claims, you may end up paying more, as in this example:

  • The premium of a policy with an excess of ฿ 3,000 is ฿ 10,000.
  • The insurance premium for the same policy without excess is ฿ 12,000.
  • You choose the policy with an excess of ฿ 3,000 and save ฿ 2,000 initially.
  • During the year, you make a fault claim and it costs ฿ 25,000 to repair your vehicle. You pay ฿ 3,000 and the insurance company pays the rest (฿ 22,000).
  • In this case you paid ฿ 1,000 more by choosing the excess (saving ฿ 2,000 on the premium and paying ฿ 3,000 towards the repair costs).

There is no right or wrong selection when it comes to choosing your policy excess. It’s up to you!

You can save money by choosing the Repair at our preferred garages option, or you can have more flexibility by choosing the Repair at any garage option.

Repair at our selected garages option:

Roojai.com and KPI have set up partnerships with many carefully chosen garages around Thailand. These preferred garages provide great service and high-quality repair at a lower cost to us. We pass on this cost saving to you, by offering lower premiums for our Repair at our selected garages option.

We also offer you a 12-month warranty for repairs carried out by our preferred garages, to re-assure you that the work is of the highest quality!

Repair at any garage option:

This option gives you total freedom: you can bring your car to be repaired at any garage in Thailand. This includes official, dealer garages for your car’s brand.
Roojai.com and KPI have relationships with many dealer garages. You can find the contact details for Roojai.com’s listed garages on our garage page. Using one of Roojai.com’s listed garages will make the repair process as easy as possible for you.

You can save money by specifying who will drive your car, or you can choose a more flexible driver plan that allows more people to drive your car. Roojai.com offers four different driver plans to suit your needs.

Named driver plan :

This plan has the lowest premiums. You need to specify everyone who will be driving your car (up to 4 people). This plan only covers accidents occurring when one of the drivers named on the policy is driving your car. Coverage may not be provided if anyone else is driving the car at the time of the accident.

Any Driver 30 years old and more plan:

This plan offers more convenience than the Named Driver plan at a slightly higher price. Anyone aged 30 or more can drive your car without needing to be named on the policy.

You need to specify the main driver, which is the person who will be driving your car most of the time. This plan will cover accidents occurring when the main driver or anyone aged 30 or more is driving your car. Coverage will not be provided if anyone aged under 30 (who is not the main driver) is driving the car at the time of the accident.

Any Driver 25 years old and more plan:

This plan offers more convenience than the Any Driver 30 years old and more plan at a slightly higher price. Anyone aged 25 or more can drive your car without needing to be named on the policy.

You need to specify the main driver, which is the person who will be driving your car most of the time. This plan will cover accidents occurring when the main driver or anyone aged 25 or more is driving your car. Coverage will not be provided if anyone aged under 25 (who is not the main driver) is driving the car at the time of the accident.

Any driver plan:

This plan is the most convenient but also the most expensive. Anyone can drive your car without needing to be named on the policy.

This plan will cover all accidents regardless of who is driving the car at the time of the accident. You still need to specify the main driver on the policy