Why choose insurance instalment with Roojai Insurance?
Paying for insurance by instalment helps you manage your expenses more effectively, without the need to pay the full annual premium upfront. It is ideal for those who want flexible monthly payments without using a credit card.
- New customers pay by instalment for up to 12 months* (up to 10 months for EV insurance)
- Renewal customers pay for car and motorcycle insurance by instalment up to 10 months and for health insurance up to 12 months.
- Supports debit cards, credit cards with no credit limit blocking, and other electronic payment channels.
- Buy car insurance online instantly – convenient, secure, and reliable.
- Competitive premiums with savings of up to 30%.
- Enjoy exclusive promotions and redeem rewards via Roojai Rewards points.
*This 12-month instalment option is part of the regulatory sandbox initiative approved by the OIC, designed to demonstrate the affordability and flexibility for customers to obtain coverage that best suits their needs.
How to pay insurance by instalment without credit card
Even if you do not have a credit card, you can still pay for car insurance by instalment easily through:
- Debit cards from all major banks
- Automatic bank account payments
- Mobile Banking and approved electronic payment channels
This option is perfect for anyone looking for a more accessible and flexible way to pay for car insurance monthly.
1. What are the details of the monthly instalment plan?
Roojai customers can choose to pay by instalment for up to 10 months for EV insurance and up to 12 months for standard car insurance, motorcycle and big bike insurance, as well as health and personal accident insurance. Payments can be made via debit card, credit card with no credit limit blocking, and other electronic payment methods.
2. What are Roojai Rewards?
Roojai Rewards are reward points that we offer to customers when they refer friends. Roojai Rewards can be redeemed for fuel vouchers, shopping vouchers, our kangaroo doll, and much more. We are constantly working to expand the selection of available Roojai Rewards. For more details, visit our Roojai Rewards page.
3. What are the terms and conditions of the 100% Money Back Guarantee?
We guarantee that Roojai offers you the best insurance. If you find a better price with the same insurance 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.
4. How does the 'up to 10%' dash camera discount work?
Roojai will give you a 10% discount if your car is equipped with a dash camera. But remember, in case of a road accident, if you cannot provide video footage of the claim event upon request or if the dash camera is not installed in the vehicle, Roojai reserves the right to charge you an excess of THB 1,000 at the time of each insurance claim.
Frequently asked questions about insurance instalments
Who is eligible for Roojai’s insurance instalment plans?
New customers – Pay for your car insurance and motorcycle insurance for up to 12 months.*
Renewal customers – Pay for your car insurance and motorcycle insurance for up to 10 months.
All Roojai customers – Pay for your health insurance and personal accident insurance for up to 12 months; pay for your EV insurance for up to 10 months.
*Instalment terms and conditions are subject to the company’s policy.
Can I buy insurance online and pay by instalment immediately?
Yes. You can purchase insurance online and select an instalment plan right away based on your preferred payment option.
Why is paying insurance by instalment better than annual payment?
It reduces the burden of a large annual payment and makes cash flow easier to manage, while providing the same level of insurance coverage.
What is not included in the insurance instalment plan?
The following items are not included in the car insurance instalment plan:
When do I need to pay for the excluded items?
These charges will be billed together with the first instalment when the insurance policy is issued or when the coverage begins.
What are the Terms and Conditions of the Instalment Plan?
Please carefully read the instalment plan terms and conditions.
Roojai provides you with an affordable insurance premium that you can pay monthly.
By choosing this payment plan, you agree and accept that if you fail to pay for any instalment, you are in breach of our payment terms and conditions. As a result, Roojai will consider that you have instructed us to cancel your policy. We will proceed with your policy cancellation. Roojai will attempt to inform you through email, SMS, registered mail, and phone. Without payment from you, your insurance policy will expire in no more than 14 days, depending on your instalment plan, after you’ve missed payment.