Car Insurance Type 1

The main coverage of Voluntary Motor Insurance

Damage to the car
Damage to your car - Collision with no third party vehicle involved

The Company will pay for damage to your car, as well as to any declared accessories, which occurs during the policy period where there is a collision not involving a third party vehicle. The maximum amount we pay is the sum insured declared in your policy.
Limit of liability: Sum Insured

Damage to vehicles - Collisions with land vehicles.
Damage to your car - Collision with a third party vehicle involved.

The Company will pay for damage to your car, as well as to any declared accessories, which occurs during the policy period where there is a collision with an identified third party vehicle. The maximum amount we pay is the sum insured declared in your policy.
Limit of liability: Sum Insured

Damage to car glass
Damage to Windscreen

The Company will pay for damage to your windscreen which occurs during the policy period.
Limit of liability: Market price

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

When your car is immobilized as a result of an accident covered under the policy, the company will pay for the towing of your vehicle to our selected workshop. The maximum payment for this cover is up to 20% of the repair fee for the accident.
Limit of liability: 20 percent of repairs.

Lost car / theft
Theft

The Company will pay for damage incurred during the period of insurance as a result of theft or attempted theft of your vehicle. The maximum payment is the sum insured declared in your policy.
Limit of liability: Sum Insured

Car fire
Fire

The Company will pay for damage to your vehicle incurred during the period of insurance as a result of a fire (total or partial). The maximum payment is the sum insured declared in your policy.
Limit of liability: Sum Insured

Motor damage from natural disasters
Natural disasters (including flooding)

The Company will pay for damage incurred during the period of insurance as a result of a natural disaster (flood, earthquake, lightning). The maximum payment is the sum insured declared in your policy.
Limit of liability: Market price

Third Party Liability
Third Party Property Damage Liability

The Company will pay for damage to third party property caused by your vehicle that occurs during the period of insurance. The company is only liable for the first 5 million baht of each incident.
Limit of liability: maximum 5 million baht per time.

Third Party Liability for Injury or Death
Third Party Liability for Injury or Death

The Company will pay for any impact to the life or health of a third party as a result of your vehicle during the policy period.
Limit of liability: maximum of 2 million baht per person up to 10 million baht per time.

Medical fee
Medical fees

The Company will pay medical expenses as a result of injury, permanent disability or death caused by your vehicle.
Limit of liability: maximum of 100,000 baht per person.

Personal Accident Insurance
Personal Accident Insurance

The Company will compensate for death, permanent loss of hands or vision and permanent disability to the driver and passengers caused by your vehicle.
Limit of liability: maximum of 100,000 baht per person.

Driver insurance
Driver insurance

The Company will cover costs as a result of injury or death to the driver as a result of a car accident in your vehicle.
Limit of liability: up to 300,000 baht per transaction.

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.

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Car Insurance

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