Voluntary Car Insurance Type 1 in Thailand
Check car insurance quotes online for free. Get a high-sum type 1 policy with the best price premiums for good drivers. Customise your coverage to fit your needs, with our 1600+ network of car repair garages and a 4.7/5 claim satisfaction score to show we care about our drivers throughout their journey
Where can you buy the best car insurance type 1?
With Roojai you can expect more and pay less. You can customise your insurance policy, and get a 10% discount if you have a dashcam. Moreover, you can pay your premium in 10 monthly instalments via debit/credit card, or QR code. Additionally, you will be able to use our mobile app to inspect your car or make a video car insurance claim with a 30-minute arrival guarantee. If you’ve had a road accident, we have a wide range of partner car repair garages for you to choose from. Our agents are standing by to support you with a customer satisfaction score of 4.9/5.
What is car insurance type 1 in Thailand?
Car insurance type 1 in Thailand is a comprehensive insurance policy that covers damages to the insured motor vehicle and third parties in case of an event covered by the policy occurs. It’s the most comprehensive insurance type in Thailand and provides the highest sum insured and also provides coverage for road accidents with or without a third party. Because of the high coverage amount, it also comes with the highest cost premiums.
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What does car insurance type 1 cover?
A type 1 insurance policy as mentioned previously will provide high sum coverage for your vehicle for a variety of unexpected events, from car accident damages caused by a third party or accidents without one, as well as bodily injuries, and natural disasters such as fire, flood, and others. Additional coverage includes car theft, bail bond, and windscreen damage, regardless who is at fault.
Please read our policy wording for more type 1 policy coverage details 1.
Coverage for damage to the vehicle
Own damages caused by a collision without third party
A car insurance type 1 policy will cover your damages caused by a road accident without a third party during the insurance period; this coverage includes specified additional accessories and equipment, and any repair for damages caused by the accident.
Limits of liability are equal to the sum insured.
Own damages – collision with third party
A car insurance type 1 policy will cover your financial losses if you had a road accident with a third party during your insurance period, despite you being at-fault or not. It includes specified additional accessories and equipment, and any repair for damages caused by the accident.
Limits of liability are equal to the sum insured.
Damages to the windscreen
Car insurance type 1 covers damages to the windscreen and windows like chips, cracks, repairs or replacement of the windshield, side windows, and rear window.
Limits of liability are equal to the sum insured.
Towing service
Car insurance type 1 includes the towing service available 24/7. The service includes moving your vehicle to a safe place, repair garage or repair service, and labour charges for loading and unloading your car.
Limits of liability are equal to 20% of repair cost.
Coverage for theft, fire and natural disaster
Theft
Car insurance type 1 will cover your vehicle during the insurance period against theft, robbery, gang robbery, or embezzlement. Our claim adjusters determine your vehicle’s value based on age, brand, model, and damages caused by normal wear and tear. The coverage also includes upgrades, accessories or equipment you have specified.
Limits of liability are equal to the sum insured.
Fire
Car insurance type 1 will cover fire damages to your vehicle during the insurance period, including if your vehicle is partially or significantly damaged.
Limits of liability are equal to the sum insured.
Natural disaster, including flood
Car insurance type 1 will cover damages to the vehicle caused by covered natural disasters such as floods during the insurance period. Including compensation for repair costs, as well any specified additional accessories, upgrades and equipment.
Limits of liability are equal to the sum insured.
Third party liability coverage
Liability for third party property damages
Car insurance type 1 will compensate the damages caused to a third party property during the insurance period if the insured is legally responsible for it.
Limits of liability are not exceed ฿5,000,000 per occurrence.
Liability for third party bodily injuries and loss of life
Car insurance type 1 will compensate for health damages, bodily injuries, or loss of life of a third party caused by the insured in a car accident during the insurance period.
Limits of liability are adjustable, but not exceeding ฿3,000,000 per person and ฿10,000,000 per occurrence.
Additional insurance coverage
Car insurance type 1 will cover actual and reasonable medical expenses of all parties involved in a car accident while in, entering, or exiting the vehicle, including surgeries, doctor fees, prescription drugs, and other hospital services up to the insurance policy limits.
Limits of liability are adjustable, but not exceeding ฿500,000 per person.
Personal accident coverage
Car insurance type 1 provides coverage for the bodily injuries of the insured person(s) in the covered event. The coverage includes loss of body parts, bodily injuries, loss of vision, permanent disability, temporary disability, and loss of life. The compensation amount depends on the severity of the injury and the policy limits specified.
Limits of liability are adjustable, but not exceeding ฿500,000 per person.
Bail bond coverage
Car insurance type 1 will compensate you for the costs of legal representation and bail, if necessary. If the insured has been involved in a car accident that results in injury, damage to a third party, or loss of life, the insured may be detained by police investigators for pending proceedings.
Limits of liability are specified in the policy document.
Should you get excess insurance for your car insurance type 1?
Roojai provides lower insurance premiums when you buy a policy with excess. Choosing a policy with excess will save you money. An excess is the amount of money that you have to pay out-of-pocket when you make an insurance claim, if you are at fault or no third party is identified. You will cover your car repair expenses up to the excess amount, whether if you are at fault in an accident or if there is no third party involved. The insurance will pay for your vehicle’s repair costs above the amount of the excess. Most importantly, if you are not at fault in an accident, the excess will not apply and you will be compensated up to the insurance policy limits.
How does insurance excess work?
Here is an example. You purchase a policy with an excess of ฿3,000.
- You are at fault in an accident and make an insurance claim. The repair costs to your vehicle are ฿25,000. 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 have to pay this repair cost yourself. The insurance company will not cover repair costs for your insurance claim, since the total cost is less than your excess of ฿3,000.
- You make an insurance claim involving a third-party where the third-party is at fault and it costs ฿40,000 to repair your vehicle. Your excess does not apply since you are not at fault. The insurance company pays for all your repair costs (฿40,000). You do not pay anything.
Roojai will decrease your car insurance premium if you choose to pay excess. However, if you choose a car insurance policy with excess and make one or more insurance claims, you may end up paying more, as in this example:
- The insurance premium of your 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 an insurance claim for an accident at your fault 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 car insurance premium and paying ฿3,000 for the repair costs).
The decision of how much to pay for your policy excess is only yours. There is no right or wrong answer, as it depends on your individual circumstances, budget and risk tolerance.
What are the car garage repair options included in a type 1 insurance policy?
Roojai offers 2 options for repairing your vehicle:
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Repair at our preferred garage
Roojai has partnered up with many trusted car repair garages around Thailand. Our preferred garages provide great service and high-quality repairs at a lower cost to us. We pass on this cost saving to you, by offering you affordable insurance premiums. Additionally,we also offer you a 12-month warranty for repairs carried out by our preferred garages, to reassure you that the work is of the highest quality!
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Repair at dealer garage
Roojai has partnered with many dealer garages to make the repair process easier and quicker for you. We also offer you a 12-month warranty for car repairs carried out by our dealer garages. If you choose to repair your vehicle at a dealer garage that is not in Roojai’s list, please contact us at least 24 hours in advance so that we can make arrangements with the garage to accommodate you.
Which driver plans are available for car insurance type 1?
Roojai offers you four different driver plans to help you to lower your car insurance premium. You can choose a plan that specifies who will drive your car, or you can choose a more flexible driver plan that allows more people to drive your car. The more flexible plans will cost more, but you will rest assured that your car is covered even if other people are driving it.
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Named Driver plan
This plan has the lowest car insurance premium. You need to specify everyone who will be driving your car and you can select up to 4 drivers. This plan only covers car accidents occurring when one of the drivers named on the policy is driving your car. If someone else is driving your car at the time of a road accident coverage may not be provided.
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Any Driver 30 years old and more plan
This plan is more convenient than the “Named driver plan”, however, at a slightly higher price. Anyone aged 30 or more can drive your car without needing to be named on your insurance policy. You still need to specify the main driver, who will drive the vehicle most of the time. This plan will cover accidents occurring when the main driver or anyone aged 30 or older is driving your car. Coverage will not be provided if anyone aged under 30 (who is not the main driver) is driving your car at the time of the accident.
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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 older can drive your car without needing to be named on the policy. You need to specify the main driver, who will drive the vehicle 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.
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Any driver plan
This plan is the most convenient and hassle-free car insurance plan as it allows any driver to drive your car without needing to be named on the insurance policy. This plan will cover all accidents regardless of who is driving the car at the time of the accident. Please note that you still have to specify the main driver on the policy. This is the most comprehensive coverage but it is also the most expensive.
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Motor Vehicle Insurance Type 1 Q & A
Who is suitable for car insurance type 1?
Car insurance type 1 is the most suitable choice for novice drivers since they require time to adapt to traffic regulations and are more likely to be involved in an accident than experienced drivers. We also suggest buying the maximum coverage if your car is relatively new (less than 5 years old) as repairs for new cars can be costlier, and the newer vehicles have a higher risk of being stolen. Moreover, if multiple drivers are using your car for long-distance drives daily, the risk of accidents rises, so you might want to consider insurance type 1.
Why buy car insurance type 1 with Roojai?
Roojai is the leading online car insurance in Thailand. We offer a wide range of customizable plans, with a 10% discount if you have a dashcam. You can expect higher quality service and support as further proven by our 4.9/5 customer satisfaction score. Easily manage your finances and choose to pay in monthly instalments via debit/credit card or electronic payment.
Our Roojai Mobile App makes it even easier to get the coverage you need. With Roojai you can:
- Conduct a car inspection through a video call.
- Make a video insurance claim.
- Get reliable claim service with our 4.7/5 claim satisfaction score.
- Follow the surveyor journey to your location with Roojai mobile app, if an in-person survey is required.
- Find the nearest car repair garage from our 1600+ repair garage network.
- Call for 24/7 roadside assistance.
- Redeem Roojai rewards and refer your friends for more bonuses!
What are the requirements to buy car insurance type 1 with Roojai?
- Drivers aged 20-70 with a valid driver’s licence (2+ years of driving experience is required in some cases).
- Driver’s licence has never been revoked.
- No more than 3 at-fault insurance claims in the past 12 months.
- Vehicle must be registered in Thailand.
How much does car insurance type 1 cost in Thailand?
The cost of car insurance type 1 in Thailand varies depending on a number of factors, including the make and model of your car, your age, your driving experience and history, and of course the level of coverage you choose. The higher coverage you choose the higher the insurance premium you have to pay, Roojai’s car insurance type 1 premiums are in the average range of 4,347 THB to 18,910 THB.
How to buy car insurance type 1 with Roojai?
You can easily purchase your car insurance type 1 policy within 5 minutes. Get a free instant car insurance quote, customise your insurance coverage and insurance plan, conveniently pay online and wait for an email confirmation. You can choose to get an instant e-policy or receive the paper documents within 7-14 working days. In some cases, you might need to do a video car inspection or make an in-person vehicle survey.
How to pay for car insurance type 1 with Roojai?
We accept credit or debit cards, PromptPay, Rabbit Line Pay, TrueMoney or online banking payments.* You also can extend your insurance policy online at any time.
What is the Roojai mobile app and how to use it?
Roojai created a mobile app to make the lives of our customers easier and road trips safer. With the Roojai Mobile App, you can make a car insurance claim via video call in case of an accident or other emergencies on the road. The app will also share the real-time location of the Roojai surveyor so you can know when they will arrive.
You can also use the Roojai mobile app to manage and renew your insurance policies, access your policy documents, refer friends, redeem Roojai Rewards, and more. Roojai is always by your side, wherever you are.
Download the Roojai Mobile App today!
Android iOSHow to make a car insurance claim with Roojai?
Choose the most convenient way to make an insurance claim for your type 1 insurance policy with Roojai:
- Make a video insurance claim instantly via Roojai mobile app.
- Contact insurance claim hotline at 02 585 8866.
How to contact Roojai?
- You can contact English customer service (check price, buy car insurance, general inquiries): 02-5828866.
- Report a road accident: 02-5828844 or through Roojai mobile app.
- You can also send us a message to contact us.
Tips for buying car insurance type 1
- Think about what kind of coverage you need and how much you're willing to pay. Car insurance type 1 offers the most comprehensive coverage. You will be protected from a wide range of expenses in the event of an accident. However, your car insurance premium might be expensive.
- Customise your insurance policy based on your needs and circumstances. You can lower your insurance premium by selecting the “Named drivers plan” if you are the only driver.
- Install a dashcam to get an extra discount.
- Be honest and don’t hide your driving history, accidents and other important information, otherwise your claim might be denied.
Definitions:
| Windscreen damage | It is the damage to a windscreen/windshield of the vehicle that can be caused by flying objects, hail, or accidents. |
| Customizable plan | It is a type of insurance plan that can be tailored according to your specific needs. |
| Track the status of insurance claim | Check online how your claim is progressing and when you can expect a payment. |
| Towing services | Services that assist drivers to move their vehicle to a safe location in case it is broken or involved in an accident |
| Investigation | The process of gathering information to determine the cause of an event. |
*Our policy terms and conditions apply.
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