Car Insurance Type 2 in Thailand
2
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Details of Voluntary Motor Insurance Coverage Type 2
Coverage for theft, fire
Theft
The company will compensate for damages to the vehicle including specified additional accessories, equipment and any fixture during the insurance period caused by theft, robbery, gang robbery or embezzlement, or the act or attempt of theft, robbery, gang robbery or embezzlement
Limits of liability: are equal to the sum insured.
Fire
The company will compensate for damages to the vehicle during the insurance period as result of fire, total or partial.
Limits of liability: are equal to the sum insured.
Third party liability coverage
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 ฿2,500,000 per occurrence.
Liability for third party bodily injuries and loss of life
The company will compensate for damages to health, body, or loss of life of third party caused by the insured vehicle during the insurance period.
Limits of liability: Adjustable, not exceeding ฿ 3,000,000 per person and not exceeding ฿ 10,000,000 per occurrence.
Additional coverage
Medical expenses
The company will pay actual and reasonable medical expenses, surgical expenses and hospital service expenses for any covered person who sustains bodily injuries caused by accident while in, or entering into and existing from the vehicle.
Limits of liability: Adjustable, not exceeding ฿ 500,000 per person.
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, and temporary disability. The company will compensate in accordance with the amount of indemnity stated in the Policy Schedule.
Limits of liability: Adjustable, not exceeding ฿ 500,000 per person.
Bail bond coverage
third party, and the police investigator detains the insured or the driver for pending proceedings.
Limits of liability: As specified on the policy document.
Car Insurance Coverage Options
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.com offers four different driver plans to suit your needs.
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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. Coverage may not be provided if anyone else is driving the car at the time of the accident.
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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. Coverage will not be provided if anyone aged under 30 (who is not the main driver) is driving the 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 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. 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 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
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