What is different between car insurance coverage Type 1, Type 2+, Type 3+, Type 2, and Type 3?

Coverage for damage to the vehicle
Damage to the car - Collision without a partner
Own damages – collision without a third party

The company compensates for damages to the vehicle, including specified additional accessories, equipment and any fixture during the policy period caused by collision, overturning without involvement of a third party.

Limits of liability are equal to the sum insured.

Damage to vehicles - Collisions with land vehicles
Own damages – collision with a third party

The company will compensate for damages to the vehicle, including specified additional accessories, equipment and any fixture during the policy period caused by collision with a third party.

Limits of liability are equal to the sum insured.

Damage to car glass
Damages to the windscreen

The company will compensate for damages to the windscreen or windows of the vehicle during the policy period by either repair or replacement.

Limits of liability are equal to the sum insured.

24-hour forklift service (due to accident)
Towing service

In case of accident covered by the policy, you may request for the 24/7 towing service.

Limits of liability are equal to 20% of repair cost.

Coverage for theft, fire and natural disaster
Lost car / theft
Theft

The company will compensate for damages to the vehicle including specified additional accessories, equipment and any fixture during the policy period caused by theft, robbery, gang robbery, embezzlement, or the act of or attempt of theft, robbery, gang robbery or embezzlement.

Limits of liability are equal to the sum insured.

Car fire
Fire

The company will compensate for damages to the vehicle during the insurance period as a result of fire, whether total or partial.

Limits of liability are equal to the sum insured.

Motor damage from natural disasters (including flooding)
Natural disaster, including flood

The company will compensate for damages to the vehicle, including specified additional accessories, equipment and any fixture during the policy period caused by covered natural disaster.

Limits of liability are equal to the sum insured.

Third party liability coverage
Third Party Liability
Liability for third party property damages

The company will compensate for damages to third party property which the insured is legally liable for.

Limits of liability are not exceeding ฿5,000,000 per occurrence.

Third Party Liability for Injury or Death
Liability for third party bodily injuries and loss of life

The company will compensate for damages to health, body, or loss of life of a third party caused by the insured vehicle during the policy period.

Limits of liability are not exceeding ฿ 2,000,000 per person and not exceeding ฿ 10,000,000 per occurrence.

Additional coverage
Medical fee
Medical expenses

The company will pay actual and reasonable medical, surgical and hospital service expenses for any covered person(s) who sustains bodily injuries caused by accident while in, entering in, or exiting from the vehicle.

Personal Accident Insurance
Personal accident coverage

The company will pay compensation for loss or bodily injuries of the insured person(s) caused by loss of life, loss of hand, loss of foot, loss of vision, permanent disability, or temporary disability. The company will compensate in accordance with the amount of indemnity stated in the Policy Schedule.

Limits of liability are not exceeding ฿ 100,000 per person

Driver insurance
Bail bond coverage

The company will bail out the insured or the driver with the consent of the insured in the event of the vehicle causing bodily injuries or death to a third party, where the police investigator detains the insured or the driver for pending proceedings.

Limits of liability are not exceeding ฿ 300,000 per occurrence.

Watch this short 3-minute video from Roojai.com to understand all types of car insurance in Thailand

motor insurance online video for Typecar insurance | Roojai.com