The definitions below should be used as a quick and easy reference. For full details, please read the policy wording. The policy wording is the only version we will acknowledged in the event of a dispute.
General Car Insurance Questions
What is the definition of insurance?
Insurance is one way to manage your risks. When you buy insurance, you are transferring the risk to the insurer in exchange for an agreed fixed amount (the policy premium). In the event of an accident or other insured event, the insurer will compensate you as specified in the policy. Of course, insurance must be purchased before the accident or some other insured event occurs.
What does vehicle insurance mean?
Vehicle insurance (car and motorcycle) provides protection against financial loss as a result of a vehicle accident or other insured events. Depending on the type of insurance chosen, it may cover damage to the insured vehicle, damage or loss to third party property or person(s) as a result of the insured vehicle being used.
What is a car insurance contract?
A car insurance contract is an agreement between an insurance company and an insured person. The insured person is compensated for damages related to the insured vehicles following an event covered in the contract. The insured must pay a fixed premium at the outset to be covered.
What is Compulsory insurance?
Compulsory insurance is required by Thai law for all vehicles. It covers some basic elements, mainly injuries to occupants of the vehicle (including the driver) as well as injuries to other people caused from the usage of the vehicle. The amount of coverage is very limited. The maximum coverage is only 300,000 THB and it does not cover any damage to the insured vehicle or to other vehicles. Roojai.com strongly recommends that every driver purchases Voluntary insurance in addition to Compulsory insurance.
Who is protected under the compulsory insurance policy?
Anyone who has been injured or killed in an accident involving the insured vehicle.
What is covered under compulsory insurance?
What is voluntary motor insurance?
Voluntary insurance is optional insurance, not required by Thai law. Depending on the coverage type, it may cover damage to the insured vehicle whether the driver is at fault or not, damage to third party vehicle if the driver of the insured vehicle is at fault, liability for injuries resulting from a car accident where the driver is at fault, loss of or damage to the vehicle through theft, fire or natural disaster. Voluntary car insurance is divided into five categories.
Type 1: Comprehensive insurance, which covers damage to the insured vehicle regardless of fault in case of accident, fire, theft or natural disaster as well as liability to third parties (property damage and bodily injury) when the driver is at fault.
Type 2: Covers damage to the insured vehicle only in case of fire and theft and covers liability to third parties (property damage and bodily injury) when the driver is at fault.
Type 3: Only covers the liability to third parties (property damage and bodily injury) when the driver is at fault.
Type 2+: Covers damage to the insured vehicle regardless of fault provided another identified vehicle has been involved in the accident as well as damage caused by fire, theft or flood. It also covers liability to third parties (property damage and bodily injury) when the driver is at fault.
Type 3+: Covers damage to the insured vehicle regardless of fault, provided another identified vehicle has been involved in the accident. It also covers liability to third parties (property damage and bodily injury) when the driver is at fault.
How important is Voluntary insurance?
Apart from Compulsory insurance, which is required by law and is required to renew your road tax, Voluntary insurance is highly recommended. Unlike many other countries where Third Party property insurance is required by law, it is not in Thailand. In case of an accident where you are at fault, you will be liable for the damages caused to another’s property and Compulsory insurance does not provide this cover. Moreover, if you injure somebody while using your car, Compulsory insurance will only cover for the damage up to 300,000 THB. You will be liable for any medical expenses, or compensation that a court may decide in excess of 200,000 THB. For these reasons, Roojai.com strongly recommends you buy at least Type 3 insurance, which only covers damage to third party and injury of third party.
If you want to insure your vehicle against damage, then Type 1 and Type 2+ are the two types of insurance you should consider.
Does my Voluntary insurance include the Compulsory policy?
Your Voluntary insurance policy is separate from the Compulsory insurance policy but you can buy both with Roojai.com.
Which coverage type is the best?
Type 1 insurance provides the fullest range of benefits. Type 1 will cover your vehicle in most situations: accidents with other vehicles (if you are at fault or not), accidents without other vehicles (for example, a scratch while parking the car), natural disasters (flood, storm, etc.), fire and theft.
For newer cars worth more than 200,000 THB, Type 1 insurance is probably the best option. For older vehicles worth less than 200,000 THB, other coverage types may be more appropriate (as well as cheaper).
Is coverage continued when the car is sold or transferred?
When the car is transferred to others, the new owner will be insured according to the policy. The insurance company must continue the coverage for the remaining time of the policy schedule. If the car owner does not cancel the insurance policy before the transfer and purchased a named driver plan, the owner must notify the insurance company of the details of the new driver in order to adjust the premium rate based on the changing risk conditions. Additionally, the new car owner will not be responsible for excess if the driver's name does not match the name in the policy.
What is an excess/deductible?
A policy excess, also called policy deductible, is the maximum amount you will be required to pay for your car repair in case of damage to your vehicle ONLY when you are at fault or without an identified responsible third party. The excess will not apply if you are NOT at fault AND a responsible third party is identified.
What is a No Claim Bonus?
The No Claims Bonus (NCB) is the discount rewarded by the insurer if no claims at fault have been made. The discount applied will be as follows;
Where can I find my No Claims Bonus?
You can find your No Claim Bonus in the policy schedule of your current insurance company. Some insurance companies will send you a renewal invitation which will inform you of your No Claim Bonus before the policy expiry date.
What is the Road Tax?
The Road Tax is a tax that you need to pay each year at the local office of the Department of Land Transport. The rate of taxation is determined according to the engine size (Cubic meters, cc). In order to make the payment you will need to take along proof of the compulsory insurance in force, and the car registration Blue Book . The Road tax is issued in the form of a sticker which you have to display on your windscreen to prove that the tax has been paid and until when it is valid.
How to renew online the Road Tax?
You can renew online your Road Tax online at https://bit.ly/2G3qY6g The information you must prepare is only the Compulsory policy number. We recommend you renew the Road Tax in advance (up to 3 months) before expiry date. Please, be informed that at the moment the online service is only available in Thai.
Does the insurer also provide Road Tax together with insurance?
At the moment, Roojai.com does not provide Road Tax service but we are working on it!
Most frequently asked questions about Roojai.com
Who is Roojai.com?
Roojai.com was launched in 2016 to provide a new online insurance service and quickly stepped up to become an industry leader through cutting-edge innovation to give the best price for safe drivers. Using advanced technology, we make purchasing car insurance easier and more convenient for our customers. You can check your quote, customize your plan and coverage and buy your insurance directly online. In addition, you can report a claim via our app with real-time location tracking of the surveyor coming your way or do a car inspection through a video call. Roojai.com also offers different payment methods to fit our customers’ lifestyle.
Feel confident knowing that Roojai.com has been approved by the Office of Insurance Commission (OIC) and we have partnered with Krungthai Panich Insurance (KPI), part of the Krungthai Bank group (KTB) for car insurance, and Liberty Mutual (LMG) for motorbike insurance.
We over 30,000 customer reviews and an average rating of 4.85/5, we are committed to customer satisfaction and work to continuously improve our services to provide the highest quality customer experience. No matter what, we are always there when you need us.
How to contact Roojai.com?
You can call our English contact centre on 02 582 8866, send us an email at firstname.lastname@example.org
Our office address is Roojai Co. Ltd. 4/222 Harbor Mall Building, 11th Floor, Moo 10, Sukhumvit Road, Tung Suk, Sriracha, Chonburi 20230
How can I get a quote?
You can visit Roojai.com and click on “Check your price” to start the process. It will take you a couple of minutes to answer a few questions, to see a customized insurance plan. We always show the best value for money plan first (best coverage at the lowest price). If our chosen plan doesn’t fit you, you can further customize it by changing the following options:
What should I do after I chose the plan I like?
Once you have chosen the cover which suits you best, you can receive the quote by email to review the details, ask us to call you back, or activate your policy online by clicking on Buy now.
What information do I need in order to buy an online policy?
How is my premium calculated?
Many insurance providers only ask questions about the vehicle. This approach means no savings for good drivers: all drivers pay the same amount for the same vehicle.
Roojai.com uses additional parameters to calculate your personalized premium. Our objective is always to provide a fair price to every driver according to the level of risk we think each driver represents. This means that good drivers are rewarded, and do not have to subsidize the cost of bad drivers.
Why are insurance premiums more expensive for younger drivers?
Although we look at several factors, including driving experience, type of car, past claims experience, marital status, car usage, it is true that on average younger drivers usually have higher premiums than older drivers. Data shows that on average, young and less experienced drivers have a higher occurrence of accidents. The premium is higher to address this situation.
Why are prices higher for some cars?
Each car is manufactured differently. Most of the time, more expensive vehicles require higher premiums because their repair costs tend to be higher and spare parts are more expensive. Sometimes, cars of similar value might also have different prices as their repair costs may differ. Certain models also tend to attract riskier drivers and could justify a higher premium.
I just bought a new car. Can I buy a policy with Roojai.com?
Of course! We offer great value insurance for your new car. Your car dealer will encourage you to buy insurance from them as they receive a very high commission from the insurance company. You can refuse to buy car insurance from them and buy it by yourself. If you want to buy a new car and insure it with Roojai.com, you can get a quote online from Roojai.com within minutes or call us on 02 582 8866
Which driver plans does Roojai.com offer?
Who is the main driver?
The main driver is the person who drives the car most of the time. He/she does not need to own the car and does not need to be the policy holder. This information allows us to give the fairest price for the risk by knowing who is driving the car most of the time.
How does the company define car usage ?
We divide car usage into two categories:
IMPORTANT: Please note that commercial usage vehicles and vehicles transporting passengers for a fee are strictly prohibited under the policy and will void the cover. “Commercial usage” means the car is used as a working tool for transportation of goods, delivery service, or as courier. Vehicles transporting passengers for a fee includes all types of taxi, ride or limousine services.
How do I pay my car insurance premiums online with Roojai.com?
You can pay your premium using one of the following methods:
How do I know if the policy order has been completed?
After you finish your order, you will receive a confirmation email and SMS informing you that we have received your order. If there is any issue with your payment, our Customer Service will call you back immediately. We will send your payment receipt along with your policy document to the address you indicated within 7 working days additionally an electronic copy of your document will be immediately available online in the document section of My Account, accessible both on our website and app.
How long will it take to get a policy?
You will receive the original policy document within 7 days after the policy has been issued and the car inspection has been completed (if required).
Is Roojai.com reliable?
You can trust us because Roojai.com is a limited company registered with Department of Business Development, Ministry of Commerce Registered number 0205557039412. We are licenced to operate insurance brokerage business by the Insurance Regulatory Commission (OIC), Brokerage Registration No. 00022/2558. Roojai.com is part of the Primary Asia Group, founded by specialists in non-life insurance. Our underwriting partners are Krungthai Panich Insurance for car insurance, and LMG for motorcycle insurance (only over 400cc). The International Finance Corporation(IFC), a member of the World Bank Group, also believes in Roojai.com and invested in us, with the goal of improving consumers’ access to insurance in a transparent and cost-effective way.
How does the dash camera discount up to 10% work?
Roojai.com will give you a 10% discount if your car is equipped with a dash camera. But remember that if you cannot provide video footage of the claim event upon request or if the dash camera is not installed in the vehicle, Roojai.com reserves the right to charge you an excess of 1,000THB at the time of each claim.
What is the Online inspection via video call?
To save your time, Roojai.com created an innovative way to inspect your car. Customers can now do the inspection through their mobile phone camera easily and anywhere using our app.
How to do the video car inspection?
Terms and conditions:
What are the details of the monthly instalment?
What does company mean by Repair at our preferred garages and Repair at any garage plan?
Roojai.com offers two options for repairing your vehicle.1. Repair at our preferred garage
Roojai.com and KPI have set up partnerships with many carefully chosen garages around Thailand. These preferred garages provide great service and high-quality repair at a lower cost to us. We pass on this cost saving to you, by offering you lower premiums for repair for our repair at our Preferred garages option.
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! 2. Repair at any garage
This option gives you total freedom: you can bring your car to be repaired at any garage in Thailand. This includes official dealer garages for your car’s brand. Roojai.com and KPI have relationships with many dealer garages. Using one of Roojai.com’s listed garages will make the repair process easier and quicker for you.
Alternatively, with the Repair at any garage option, you can repair your vehicle at another garage not in Roojai.com’s garage list. However, please contact us at least 24 hours in advance so that we can make arrangements with the garage.
What are the details of the 12-month warranty on repairs by our preferred garages?
When you choose to repair your vehicle at our preferred garages, you will be entitled to the 12-month repair warranty. These preferred garages are entrusted with the control and regulation of the Thai General Insurance Committee. In addition, Roojai.com will follow up each repair process for you. You can check the name, location, and telephone number of the preferred garages on our website. For full Terms & Conditions of the 12-Month Repair Warranty click here.
What is the Auto Renew option?
You can select the automatic renewal option and benefit from hassle-free, uninterrupted coverage. We will automatically renew your policy for you before it expires. For full terms and conditions, check our Term & Conditions.
Why should I choose the E-Policy option?
By choosing the E-Policy option you will help us reduce waste and help the environment. All your documents are available online 24/7 in My Account, accessible on our website and app.
If I choose the E- Policy option, how can I renew my Road Tax?
You can renew your Road Tax online at https://bit.ly/2G3qY6g You will only need your compulsory policy number, available in the documents section in My Account, accessible through our website and app. We recommend to renew your Road Tax in advance, up to 3 months before expiration. Please, be informed that at the moment the online service is only available in Thai.
Existing Customers Questions
How to download the Roojai Mobile App?
Search “Roojai” and download the app in the App store for iOS (Requires iOS v7.1 or later) and Play Store for Android (Requires Android v4.0 or later).
What is Roojai My Account?
Roojai’s My Account is an online dashboard created to assist all our customers 24/7. You can access your insurance policy information, buy additional services, find your payment status, download important documents, send us a message, renew your insurance, check your claim status, redeem your Roojai Rewards and refer your friends to earn more Roojai Rewards.
How to register for Roojai My Account?
You can also use the Roojai Mobile app to access MyAccount. At the moment, My Account is only available for existing customers.
What are Roojai Rewards?
Roojai Rewards are reward points that Roojai.com offers to customers when they purchase insurance, renew online, or refer their friends. Roojai Rewards can be redeemed for fuel vouchers, shopping vouchers, our kangaroo doll, and to purchase additional services such as Roadside Assistance, Compulsory insurance, and much more. We are constantly working to expand the selection available in Roojai Rewards. For more details click here
How to share my experience on Facebook?
When you buy an insurance policy, you will receive an email invitation to share your experience Roojai.com. Click on the link to rate service and write your comments. The review will be shared on Roojai.com’s website and Facebook page. After the review, you will automatically receive the Roojai Rewards you are entitled to.
Remember that the link is available only for 30 days after the date of purchase.
How to redeem Roojai Rewards for gifts and vouchers?
How do I check the expiry date of my voucher?
You can check the expiry date of the voucher in your redemption email or SMS.
Can I purchase any additional services from Roojai.com’s?
We are constantly working to launch new products and improve our services.
Where can I find the latest promotions?
You can check all our active promotions, by visiting Roojai.com and clicking on the "Benefits" section in the menu. Alternatively, you can subscribe to our newsletter to get the latest promotions and special offers via email.
How to renew my policy online?
Log in to My Account on our website or app and click "Confirm Renewal”. You can change your plan, customize your coverage, include Roadside Assistance, and Compulsory insurance, and choose to pay later.
How do I refer my friends and get more Roojai rewards?
When they buy an insurance policy through that link or code, you and your friends will receive additional Roojai Rewards. click here
What are the benefits of Roadside Assistance?
For the full terms and conditions, please visit the Roadside Assistance page click here
Can I cancel my policy?
Yes, you are entitled to cancel your insurance policy. To cancel your policy please call us on 02 582 8866 For full details check our terms & conditions click here
What are the terms and conditions of the100% Money Back Guarantee?
We guarantee that Roojai.com offers you the best price by using a system specifically designed for safe drivers. If you find a better price with the same coverage and terms and conditions, you are entitled to cancel the policy within 14 days from purchase and full payment, with full refund.
For the full terms & conditions visit the 100% Money Back Guarantee page click here
How do I report an accident involving another party?
What do I do if I have an accident without anyone else involved?
What information is required when reporting an accident?
What information is required if my windscreen is damaged in an accident?
What should I do if the car breaks down?
How to claim using the Roojai Mobile App?
The Roojai Mobile App was created to ease your distress in the event of an accident or breakdown. Use it to share your location and help will be on its way.
How to claim using the Roojai Mobile App
How to cancel a claim?
Just call us on 02 585 8866 and our Customer service experts will help you through the process.
How to report Roadside Assistance Service?
Where can I find the list of the preferred garages?
You can find the list of our preferred garage click here
What do I need to prepare before bringing my car to a garage?
Using one of Roojai.com’s listed garages will make the repair process easier and quicker for you and you can bring your car to the garage as soon as the claim is open.
Alternatively, with the Repair at any garage option, you can repair your vehicle at another garage not in the preferred garage list. However, please contact us at least 24 hours in advance so that we can make arrangements with the garage.
How can I follow up on my claim report?
Roojai.com updates your claim status at every step. If you want to follow the claim process, check the claim status in My Account or call us on 02 585 8866
How can I rate my claim experience?
After your claim is closed, you will receive an email to rate your experience and leave us your feedback. Your review will be shared on Roojai.com. Your feedback is extremely important to improve our service.