Voluntary Motor Insurance

You can choose a voluntary car insurance. In addition to compulsory insurance, you should also provide a voluntary motor insurance policy to help increase your coverage and coverage beyond the coverage required by the Act. Car Liability for third party damage for life, body and property. Missing or stolen vehicles, floods, natural disasters or other compensation in the form of insurance claims. The voluntary motor insurance is divided into 5 categories.

The coverage you choose

is the amount of money that the policy holder will pay for the damages to his car in case of an accident where he is at fault. The insurance company pay the repair cost in excess of that amount.

If you choose a policy with an excess and the driver of your car is not liable for a given accident, the excess will not apply.

By choosing a policy with excess, you save on the premium.

Example of a policy with excess

  • The insurance premium of a policy with an excess of 3000THB is 10,000 bahts
  • The insurance premium for the same policy without excess is for example 12,000 baths
  • By choosing a policy with excess, you save 2,000 baths
  • If a claim is made during the policy and you are at fault, you pay the first 3000 bahts of the repair cost. The insurance company will pay the amount in excess of 3000.
  • For instance, if the repair cost is 6000 baths. You pay 3000 bath and the insurance pays 3000 baths. But if the repair cost is only 2,000 baths, you only pay 2000 baths and you do not make a claim on your insurance policy. Your premium will be cheaper the following year as your No Claim Bonus will increase
  • If you do not have accident during the year, you would save 2000 baths.
  • If you have only one accident which costs more than 3,000 baths to repair, you would pay 1000 bath more (save 2000 on premium, and pay 3000 on claim).
  • There is no right or wrong. Each one can customize its plan according to its risk profile!
(The numbers given in the example below are just examples to simplify. This may vary depending on the actual situation.)

You can choose between two types of plan for your repairs. Either you decide to repair exclusively at our panel garages or you prefer to be able to repair at any workshops.

Panel garages:
Our “panel garages” are carefully selected garages around the country that provide great services and quality repair at pre-agreed rate. As Roojai/KPI provides them with high volume of repair to do for us, we benefit from cheaper repair costs, guaranteed service and quality repairs while allowing to make the premium cheaper. The benefits you can enjoy from our panel are :

  • 12 months guaranteed repairs
  • Delivery of car
  • Cheaper premium

Any garages :
If you select this option, you can bring your car for repairs at your selected garages, including to the car dealership of your car brand. This plan gives you the most freedom and peace of mind, but it is more costly as the repair costs in car dealership tend to be higher than from our panel garages.

Who is driving the car is obviously a very important factor to determine the risk and the insurance premium. Roojai and KPI have developed four different Driver plans that allow you to adjust your insurance price based on your existing habits.

Named driver plan :
This plan cover fully only the designated drivers in the policy. You can “named” up to 4 drivers. This is the cheapest plan as we know exactly who is driving the car.

Any Driver more than 30 years old :
This plan cover fully the main driver of the policy as well as any driver that is 30 years old or more at the time of accident. This plan would usually be slightly more expensive than the named driver plans while still providing a lot of convenience and peace of mind. Any member of your family or friends aged more than 30 years old can drive the car without having to be designated.

Any Driver more than 25 years old :
This plan cover fully the main driver of the policy as well as any driver that is 25 years old or more at the time of accident. This plan would usually be more expensive than the named driver plans and the “Any driver more than 30 years old plan” while still providing a lot of convenience and peace of mind as any member of your family or friend aged more than 25 years old can drive the car without having to be designated.

Any driver :
This plan cover fully any driver regardless of their age. It is the most expensive plan.