Voluntary Car Insurance in Thailand

Compulsory motor insurance only provides limited benefits. You should also purchase a voluntary vehicle insurance policy to protect yourself and your vehicle.

Compulsory motor insurance only provides limited benefits. You should also purchase a voluntary vehicle insurance policy to protect yourself and your vehicle.

What is Car Insurance Type 1 ?

Type 1 Car Insurance in Thailand provides comprehensive insurance coverage for damages to the insured vehicle regardless of fault in case of accident, fire, theft, or natural disaster. It also provides coverage for liability to third parties (property damage and bodily injury) when the driver is at fault, including windscreen damage to the vehicle. A Type 1 insurance policy also covers damaged or cracked windscreen, medical expenses, personal accident coverage, and bail bond coverage for the driver consented by the insured or the driver as specified in the car insurance policy.

Who is suitable for Car Insurance Type 1 coverage?

  • A new car that is not over 5 years old –there is a high risk of requiring more expensive car repairs when the vehicle is damaged or stolen compared to older vehicles. Drivers also need to be familiar with the use or handling of the vehicle if it is brand new. All this increases the risk factor and potential high costs for new vehicles when they are damaged.
  • New drivers with little driving experience – no matter which cars they drive, there is a higher risk of car accidents with new drivers. New drivers are encouraged to buy Car Insurance Type 1 to ensure they do not incur any high costs from likely mistakes they might make while getting acquainted with driving.
  • A car used frequently and regularly – the risk from each vehicle is not solely on the driver or the car itself. It also depends on the usage of the car over time. If the car is used regularly for long-distance driving or every day commuting, the risk factor increases. People who use their car often and for long-distance will need more insurance coverage, and that is why Type 1 would be most suitable.

More details about Voluntary Car Insurance Type 1


What is Car Insurance Type 2+?

Car insurance Type 2+ in Thailand has high coverage and lower price than Type 1, but the insurance coverage is slightly different. Type 2+ covers damage to the insured vehicle regardless of fault provided by another identified vehicle involved in the accident. It also covers damage caused by fire, theft or flood, and liability to third parties (property damage and bodily injury) when the driver is at fault. Type 2+ also provides coverage for medical expenses, personal accident coverage, and bail bond coverage for the driver consented by the insured or the driver as specified in the car insurance policy. A Type 2+ policy does not cover own damages without a third party and windscreen damages.

Who is suitable for Car Insurance Type 2+ ?

  • A car used regularly – but parked in a risky area or not in a gated location. For example, those regularly park their car on the side of the road or any public area. If you decide not to buy Type 1 because it’s too expensive or your vehicle is too old, you can buy Car Insurance Type 2+ for a lower premium and almost the same coverage. When there is a car collision, it covers damage to the insured vehicle regardless of fault provided that another identified vehicle has been involved in the accident.

More details about Voluntary Car Insurance Type 2+


What is Car Insurance Type 3+ ?

Car Insurance Type 3+ in Thailand provides insurance coverage for damage to the insured vehicle regardless of fault, provided another identified vehicle has been involved in the car accident. It also covers liability to third parties (property damage and bodily injury) when the driver is at fault. Type 3+ also covers medical expenses, personal accident coverage, and bail bond coverage for the driver consented by the insured or the driver as specified in the car insurance policy. A Type 3+ policy does not cover own damages without a third party, windscreen damages nor fire, theft or flood.

Who is suitable for Car Insurance Type 3+ ?

  • A car 7 years or older – no matter how old the car is, it is critical to have insurance coverage to avoid unnecessary risks. Even though car body coverage is not as important in an older vehicle, the car can still cause property damage and bodily injury to a third party if there is a vehicle collision. No matter how old the vehicle is, it is still recommended to buy car insurance.
  • A car used regularly – but there is no risk from the parking location. Cars that are used often and regularly on the road have a higher risk of car accidents. Even if the driver has never had an accident, it may be caused by other drivers on the road that drive carelessly. Having any insurance coverage for your car gives a bit of protection to the driver removes the stress of having to claim damages with third parties all alone.

More details about Voluntary Car Insurance Type 3+


What is Car Insurance Type 2 ?

Car insurance Type 2 in Thailand covers damage to the insured vehicle in case of fire and theft and liability to third parties (property damage and bodily injury) when the driver is at fault. Type 2 also covers medical expenses, personal accident coverage, and bail bond coverage for the driver consented by the insured or the driver as specified in the car insurance policy.

More details about Voluntary Car Insurance Type 2

What is Car Insurance Type 3 ?

Car insurance Type 3 in Thailand covers liability to third parties (property damage and bodily injury) when the driver is at fault. Type 3 also covers medical expenses, personal accident coverage, and bail bond coverage to the policy holder or the driver.

More details about Voluntary Car Insurance Type 3

Who is suitable for Car Insurance Type 2 or Type 3?

  • Cheap cost and low coverage – These two insurance types have the lowest insurance premiums for those with a tight budget but they also provide the most basic insurance coverage. With Type 2, the driver is able to cover basic liability to third party as well as protection for car fire or theft. With Type 3, the driver is able to cover basic liability to third party involved in a car accident. Nowadays, these auto insurance types are not popular because they are not comprehensive. This means they do not cover damages to the insured car when there is a collision even if there is a third party involved. When doing a car insurance comparison with Type 2+ or Type 3+, those vehicle insurance types are much more cost-effective with better coverage despite a slight increase in premium. Having a type 2 or 3 insurance policy is still better than only relying on compulsory motor insurance since it will cover damages you may cause to a third party.

What is Compulsory Motor Insurance in Thailand (Por Ror Bor)?

Compulsory Car Insurance in Thailand is required by the law for all vehicles. It only covers bodily injuries to occupants of the vehicle (including the driver) as well as to third parties. The coverage amount is very limited and it does not cover any damage to the insured vehicle or to third party vehicles and property. Roojai strongly recommends that every driver purchases Voluntary car insurance in addition to Compulsory car insurance.

More details about Compulsory Motor Insurance in Thailand

What are the Car Insurance Coverage Options?

Excess

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

What is an insurance 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. You should not report the claim in this case not to affect your renewal premium.
  • 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 save if you choose a policy with excess and don’t make any claims, since Roojai offers lower premiums for policies with 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!

Garage Plan

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

What are the different Car Repair Garage Plans?
  1. Repair at our preferred garages option:

    Roojai and KPI have set up partnerships with over 500 garages around Thailand. These preferred garages provide great service and high-quality repairs at a lower cost. We pass on this cost saving to you, by offering lower premiums for our repair at our preferred garages option.

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

  2. 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 brand.

    Roojai and KPI have relationships with many dealer garages. You can find the contact details for Roojai’s listed garages on our garage page. Using one of Roojai preferred garages will make the repair process as easy as possible for you.

Driver Plan

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 offers four different driver plans to suit your needs.

What are the different Driver Plans?
  1. 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. If anyone else is driving the car at the time of the accident, an additional excess will apply.

  2. 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.

    If anyone else below the age of 30 is driving the car at the time of the accident, an additional excess will apply.

  3. Any Driver 25 years old and more plan:

    This plan offers more convenience than the Any Driver 25 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.

    If anyone else below the age of 25 is driving the car at the time of the accident, an additional excess will apply.

  4. 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

Q & A

Why buy car insurance with Roojai?

Check your car insurance quote online with Roojai. We offer low cost premiums but with higher than average coverage. Roojai car insurance offers insurance Type 1, 2, 2+, 3, or 3+ for you to choose based on your driving needs. You can customize your insurance plans by increasing coverage and adding additional services, such as 24/7 Roadside Assistance. We calculate premiums fairly based not only on the car but also on the driver and their past experience on the road. Our goal is to provide affordable insurance premiums with the highest protection and better service. That is why our customers love us with a high rating in terms of service reviews and claim reviews and consider us the best car insurance in Thailand.

  • We offer all types of car insurance to meet your driving and budget needs
  • Get your car insurance quote instantly through online without needing to submit your email or phone number
  • Payments can be made in many ways including by 10 monthly installments. Pay by credit or debit card, PromptPay, or online banking.*
  • Convenient to buy or renew car insurance online 24 hours a day.
  • Excellent customer service and insurance claim support from real customers experience
  • You will receive your policy schedule within 7 working days or instantly if you choose e-policy.
  • Easy to contact us for any need, by phone, website and mobile app.

What is the Roojai Mobile App?

Roojai designed a mobile application to make life and road travel more convenient and secure for our customers. If you have a car accident or any other emergency on the road, download the Roojai Mobile App and use it to make an insurance claim via video call, or request 24 hour roadside assistance. The mobile app will also share real-time position of the Roojai surveyor while they are on their way to you. Wherever you are, Roojai is always by your side.

Download the Roojai Mobile App

Android iOS

Who is Roojai suitable for?

Suitable for any good driver who wants to buy car insurance saving time and money. We are happy to held any safe and responsible driver. If you are an existing customer who wants to renew car insurance with Roojai, you can do so online through ‘My Account’.

What are the requirements to buy car insurance with Roojai?

  • Drivers aged 20-70 years old and with a valid driving license (In some cases, a driver's license is required for more than 2 years)
  • No history of driving license being revoked
  • No more than 3 insurance claims at fault 3 in the past 12 months.
  • Car registered in Thailand

How to buy car insurance with Roojai?

You can complete the purchase of your car insurance within 5 minutes. Just check your quote online, customize your insurance coverage and plan, pay and wait for our email confirmation. We will get back to you immediately and will send you the documents within 7 working days or immediately if you choose e-policy. In some cases, Roojai may request an in-person or video vehicle inspection before the start of the coverage.

Read more about how to purchase vehicle insurance: https://www.roojai.com/how-to-buy/

How to contact Roojai?

  • English customer service (check price, buy car insurance, general inquiries): 02-5828866
  • Report a car accident / 24 hour roadside assistance: 02-5828844 or through Roojai Mobile App
  • Send us a message at: https://www.roojai.com/contact-us/

Terms and Conditions are as specified by the company.