Voluntary Car Insurance Type 1
Get your free car insurance type 1 quote online with Roojai in Thailand. Customise your coverage and enjoy top rates for safe drivers. With a 4.7/5 claim satisfaction score and access to 1,600+ repair garages, we’ve got you covered.
What is car insurance type 1 in Thailand?
Car insurance type 1 is Thailand’s most comprehensive form of car insurance available. It covers damages to the insured vehicle and third-parties in case of an event covered by the policy. This includes accidents with or without third-parties, theft, fire, and natural disasters. Offering the highest level of financial protection, it comes with higher premiums, making it the most premium insurance option in Thailand.
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What does car insurance type 1 cover?
A type 1 car insurance policy offers extensive coverage for your vehicle against a variety of unexpected events. This includes damages from car accidents, whether caused by a third-party or not, as well as bodily injuries. It also covers natural disasters such as fire and floods. The policy also includes protection against car theft, bail bond coverage, and windscreen damage, regardless of who is at fault.
Please read our policy wording for more type 1 policy coverage details.
Coverage for damage to the vehicle
Own damages caused by a collision without third-party
A car insurance type 1 policy covers damages to your vehicle from a road accident that does not involve a third-party during the insurance period. This includes specified additional accessories and equipment, as well as any repairs needed due to the accident.
Limits of liability are equal to the sum insured.
Own damages – collision with third-party
A car insurance type 1 policy covers financial losses if you are involved in a road accident with a third-party during the insurance period, regardless of fault. This includes specified additional accessories and equipment, and any repairs needed due to 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, including chips and cracks, and the repair 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 24/7 towing service. This service covers moving your vehicle to a safe place, repair garage or service centre, and includes 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 covers your vehicle against theft, robbery, gang robbery, or embezzlement during the insurance period. Our claim adjusters determine your vehicle’s value based on its age, brand, model, and normal wear and tear. This coverage also includes any specified upgrades, accessories, or equipment.
Limits of liability are equal to the sum insured.
Fire
Car insurance type 1 covers fire damages to your vehicle during the insurance period, whether the vehicle is partially or significantly damaged.
Limits of liability are equal to the sum insured.
Natural disaster, including flood
Car insurance type 1 covers damages to your vehicle caused by natural disasters such as earthquakes and floods during the insurance period. This includes compensation for repair costs and 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 compensates for damages caused to third-party property during the insurance period if the insured is legally responsible.
Limits of liability do not exceed THB 5,000,000 per occurrence.
Liability for third-party bodily injuries and loss of life
Car insurance type 1 covers medical expenses for 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 THB 5,000,000 per person and THB 10,000,000 per occurrence.
Additional insurance coverage
Car insurance type 1 covers actual and reasonable medical expenses for all parties involved in a car accident while in, entering, or exiting the vehicle. This includes surgeries, doctor fees, prescription drugs, and other hospital services, up to the policy limits.
Limits of liability are adjustable, but not exceeding THB 500,000 per person.
Personal accident coverage
Car insurance type 1 provides coverage for bodily injuries of the insured person(s) in the event of an accident. This 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 specified policy limits.
Limits of liability are adjustable, but not exceeding THB 500,000 per person.
Bail bond coverage
Car insurance type 1 compensates for the costs of legal representation and bail if necessary. If the insured is involved in a car accident resulting in injury, damage to a third party, or loss of life, they may be detained by police investigators for pending proceedings.
Limits of liability are specified in the policy document.
Which driver plans are available for type 1 insurance?
Roojai offers four driver plans to help lower your car insurance premium. You can choose a plan that specifies who will drive your car or a more flexible plan that allows multiple drivers. More flexible plans cost more but ensure coverage even if others drive your car.
Named driver plan
- Lowest premium
- Specify up to 4 drivers
- Coverage only for named driver
Any driver plan (30+ years)
- Slightly higher premium
- Anyone aged 30+ can drive
- Main driver must be specified
Any driver plan (25+ years)
- Higher premium than 30+ plan
- Anyone aged 25+ can drive
- Main driver must be specified
Any driver plan
- Highest premium
- Any driver can drive
- Most comprehensive coverage
What are the car garage repair options included in comprehensive car insurance?
Roojai offers two main options for repairing your vehicle under a type 1 insurance policy:
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Preferred garages: Roojai has partnered with over 500 trusted car repair garages across Thailand. These preferred garages provide high-quality repairs and excellent service at a lower cost. You can find a nearby preferred garage through Roojai’s network.
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Dealer garages: Roojai also has relationships with many official dealer garages for various car brands. This ensures that your vehicle can be repaired by specialists who are familiar with your car’s make and model.
How much does car insurance type 1 cost in Thailand?
The cost of comprehensive car insurance in Thailand varies based on several factors, including the make and model of your car, your age, driving experience, and history, as well as the level of coverage you select. Higher coverage levels result in higher premiums.
How can I get cheaper car insurance type 1 premium?
To get cheaper comprehensive car insurance, consider choosing a policy with excess. An excess is the amount you pay out-of-pocket when making an insurance claim if you are at fault or no third-party is identified.
For example, if you choose a policy with a THB 3,000 excess, here are some scenarios to illustrate:
- At-fault accident: If repair costs are THB 25,000, you pay THB 3,000, and the insurance covers the remaining THB 22,000.
- No third-party involved: If repair costs are THB 2,000, you pay the full amount since it is less than your excess.
- Third-party at fault: If repair costs are THB 40,000, the insurance covers the full amount, and you pay nothing.
Opting for a policy with excess can lower your insurance premiums. For instance, a policy with a THB 3,000 excess can lower your premium from THB 12,000 to THB 10,000. However, if you make a claim, you might pay more overall. For example, you save THB 2,000 on the premium but pay THB 3,000 for repairs, resulting in an extra cost of THB 1,000.
Choosing the right excess amount depends on your personal circumstances, financial capacity, and comfort with risk. There is no right or wrong answer; it’s about what works best for you.
Tips for buying car insurance type 1 in Thailand
- Assess your coverage needs: Consider the level of protection you require. Car insurance type 1 offers the most comprehensive protection, covering a wide range of expenses in the event of an accident. While this type of insurance provides extensive protection, it also comes with higher premiums.
- Customise your policy: Tailor your insurance policy to fit your specific needs and circumstances. For instance, if you are the only driver, you can reduce your premium by choosing the "Named Driver Plan".
- Install a dashcam: Installing a dashcam can earn you an additional discount on your premium.
- Be transparent: Always provide accurate information about your driving history, accidents, and other relevant details. Failing to do so can result in denied claims.
Where can you buy the best car insurance type 1?
Finding the best car insurance type 1 can be a daunting task with so many options available. However, if you’re looking for comprehensive coverage, competitive pricing, and exceptional customer service, Roojai is your go-to provider. Roojai offers tailored insurance plans that meet your specific needs, ensuring you get the best value for your money.
Why buy car insurance type 1 with Roojai?
With Roojai, expect more while paying less. Customize your insurance policy and enjoy a 10% discount if you have a dashcam. Spread your premium payments over 10 monthly instalments using a debit or credit card, or e-wallets.
Our mobile app makes it easy to complete car inspections and file video claims, with a 30-minute arrival guarantee. In case of a road accident, choose from our extensive network of partner repair garages. Our agents are always ready to assist, backed by a 4.9/5 customer satisfaction score.
As Thailand’s leading insurance company with an innovative online insurance platform, Roojai offers type 1 car insurance that stands out for its flexibility and convenience. Tailor your policy to match your unique needs and manage it seamlessly through the Roojai Mobile App.
Monthly instalments
by debit or credit card
Easily claim using
Roojai Mobile App
100% money
back garantee
10% discount
if you have a dashcam
Car insurance type 1 frequently asked questions
Who is suitable for car insurance type 1?
This comprehensive car insurance policy is a great choice for drivers seeking maximum protection and full coverage. It’s especially suited for owners of newer or high-value vehicles, as well as those who spend a lot of time on the road and face greater risks.
Type 1 car insurance is also ideal for less experienced or younger drivers who need time to adapt to traffic regulations and are more likely to be involved in accidents than experienced drivers. Plus, if your car is shared among multiple drivers or used frequently for long-distance drives, the risk of accidents increases, making car insurance type 1 a smart and valuable choice.
What are the requirements to buy car insurance type 1 with Roojai?
- Drivers aged 20-75 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 to buy car insurance type 1 with Roojai?
Purchasing your type 1 car insurance with Roojai is quick and easy—you can complete it in just 5 minutes. Start by getting a free, instant quote, then customise your insurance coverage to fit your needs. Complete the payment online, and you’ll receive an email confirmation shortly after. Choose between an instant e-policy or have physical documents mailed to you within 7-14 working days. Depending on your policy, you may need to complete a video car inspection or an in-person survey.
How to pay for car insurance type 1 with Roojai?
We offer flexible payment options, including credit or debit cards, PromptPay, Line Pay, TrueMoney, and online banking*. You can also renew your insurance policy online anytime.
How to make a car insurance claim with Roojai?
With Roojai, filing a claim is simple and convenient. Choose the option that works best for you:
- Submit a video claim instantly via Roojai Mobile App.
- Call our claims hotline at 02 080 9194.
What is the Roojai Mobile App and how to use it?
The Roojai Mobile App is designed to make your life easier and your road trips safer. In case of an accident, you can submit claims via video call, track the real-time location of our Roojai surveyors, and complete a car inspection from your phone.
Download the Roojai Mobile App today and experience the convenience of:
- Schedule inspections and submit insurance claims confidently with our 4.7/5 rated claim service.
- Track surveyors’ journey to your location if an in-person survey is needed.
- Locate the nearest repair garage from our network of over 1,600 options.
- Access policy documents and manage renewals.
- Call for 24/7 roadside assistance.
- Redeem Roojai Rewards and refer friends for more bonuses.
Get the Roojai Mobile App now to simplify your insurance experience and enjoy the peace of mind that comes with outstanding service.
How to contact Roojai?
- For assistance in English (checking prices, purchasing insurance, or general enquiries), call 02 080 9196.
- To report a road accident, call 02 080 9194 or use the Roojai Mobile App.
- You can also contact us through the message form anytime.
Definitions:
| Windscreen damage | Damage to the windscreen or windshield of a vehicle, typically caused by flying objects, hail, or accidents. |
| Third-party | Any person or entity other than the insured and the insurer. In car insurance, it refers to other people or property involved in an accident. |
| Limits of liability | The maximum amount an insurance company will pay for a covered loss. |
| Towing services | Assistance provided to move a vehicle to a safe location if it breaks down or is involved in an accident. |
| At-fault accident | An accident where you are considered responsible for the damages. |
Helpful car insurance guides
- Understanding loss of use in car insurance
- 9 exclusions that could deny your car insurance claim
- What are car insurance groups?
*Our policy terms and conditions apply.
Updated Date 1st January 2025
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