Compare Car Insurance in Thailand with MrKumka.com

This is the most comprehensive insurance type in Thailand and will provide the most protection. Type 1 with most companies will give you insurance coverage for damage to the vehicle either due to a car accident with a third party or without a third party, damaged or cracked windscreen, 24/7 towing service, coverage for theft, car fire or natural disaster such as flood damage. In addition, first class car insurance policy will also protect you for any personal accident, bail bond and medical expenses that are due to bodily injury from a vehicle accident.

Type 2+ is the second most comprehensive insurance type in Thailand and will provide protection for the most common issues drivers may encounter. Type 2+ with most companies will give you insurance coverage for damage to the vehicle due to a car accident with a third party, liability to third party for any damages, liability to third party for bodily harm or death, 24/7 towing service, coverage for theft, car fire or flood damage. In addition, the best Type 2+ insurance policy will also protect you for any personal accident, bail bond and medical expenses that are due to bodily injury from a vehicle accident. You are also able to add excess insurance coverage and access car repair garages in order to minimize your costs for any potential future damages.

Type 3+ is a fairly comprehensive insurance plan in Thailand and will provide coverage for some of the most pertinent issues drivers may experience. Type 3+ with most companies will give you insurance coverage for damage to the vehicle due to a car collision with a third party, liability to third party for any damages, liability to third party for bodily harm or even death as well as 24/7 vehicle towing. In addition, the best Type 3+ insurance policy will also cover you for any personal accident, and medical expenses that are due to bodily injury from a vehicle accident.

Type 2 insurance in Thailand and will provide coverage for some of the most common issues drivers may encounter on the road. Type 2 with the majority of the companies will give you insurance protection, liability to third party for any property damages, liability to third party for bodily injuries or death, protection for car theft and fire. In addition, the best Type 2 insurance policy will also protect you for any personal accident, and medical expenses that are due to bodily injury from a vehicle accident.

Type 3 insurance is the most basic voluntary car insurance and will provide coverage for some of the most basic issues drivers may encounter while driving. Type 3 with most companies will give you insurance coverage for liability to a third party for any damages and liability to a third party for bodily harm or death. Type 3 insurance policy will also cover you for any personal accident, bail bond coverage and medical expenses that are due to bodily injury from an auto accident.

Insurance Excess is a preset amount of money that the insured will pay themselves in the event of minor car accidents in order to avoid creating an insurance claim and damaging their good driver record. This form of coverage is optional with most insurers but choosing to add it to your policy does allow you to decrease the cost of your insurance premium.

An example of how it works is to imagine that you had a minor scratch on the car door while backing out of the garage. You would go to a nearby repair garage and if the cost is less than 2,000 THB, you would pay for this repair yourself without having to file a claim with your insurance company. This helps you to preserve your good driver record and pay a smaller premium when you initially buy the policy. On the other hand, if the cost of repair turned out to be 5,000 THB, you would reach out to your insurer who would pay 3,000 THB and you would still pay the 2,000 THB equivalent to the amount of excess you chose. If the damage was caused by a third party who is at fault, you do not pay anything. In the end, excess insurance is there to save you money on your premium and preserve your driving record, it also signals to insurance companies that you are more confident in your driving ability as you are willing to cover minor damages yourself.

Driver plans are coverage options that allow you to add additional drivers to your insurance policy in the event that you are not the only person that may drive your car. This provides additional protection to your vehicle if your vehicle is involved in a car collision, the additional driver option would provide insurance coverage whether it was you driving the vehicle, an additional driver or any driver that you decided to add to your policy. By choosing to have named drivers in your car policy, you will be able to reduce the cost of your insurance premium because selecting this coverage option indicates to insurance companies exactly who will be driving the vehicle and their level of experience. By choosing any driver, the insurance company has to take on much higher risk in protecting the car without knowing who may drive it, how long they have been behind the wheel and whether they have any previous claims.

When customizing your policy, a repair garage option will allow you to select what kind of garages you would like to repair your vehicle in the event of a road accident, whether it is panel, dealer or any kind of car repair garage. Not all insurers provide this option especially if their car repair garage network is limited. However, in choosing this option, you may be able to get a lower premium from your insurance company based on their policy and extent of their repair garage networks.

MrKumka provides free car insurance quotes without asking for your contact information upfront or using pushy sales agent tactics. Easily compare insurance between 15 different car insurance companies and customize your policy by choosing your desired sum insured, installment plan, insurance deductible and much more. We are a customer centric company and believe that satisfied customers are more likely to return and recommend MrKumka.com to their friends, which is what we strive for and it is proven with our 4.9/5 customer review score from real customers.

Only a Type 1 insurance policy will provide coverage for any damage resulting from car accidents or collisions that do not involve any third party.

Considering how much it rains in Thailand, most insurers include flood damage as well as natural disaster coverage in their insurance policies. Type 1 and Type 2 + will provide you with protection from flood damage, however the financial amount of insurance coverage will differ much more significantly between these two insurance types and the insurance company you decide to choose.

In most cases, Type 1, Type 2+ and Type 3+ car insurance will offer towing service as part of your insurance policy or as an add-on depending on your insurance company.

Generally, car insurance Type 1, Type 2+ and Type 2 will offer insurance coverage for car theft and assault, but it may differ by each insurance brand.

Usually, Type 1, Type 2+ and Type 2 insurance policies will offer insurance coverage for car fire damage, but it may vary by insurers.

Every car insurance Type in Thailand provides coverage for medical expenses, whether it is voluntary or compulsory insurance coverage.

Some insurers provide emergency roadside assistance as part of their Type 1 and Type 2+ insurance plan while others offer it as an add on to your insurance policy as this is considered a separate insurance product by most insurers. Additionally, Type 1, Type 2+ and Type 3+ policies in most cases will offer 24/7 car towing service in addition to surveyors arriving at the accident scene to help you process your insurance claim.

All motor insurance types except for Type 3 should provide some protection for your vehicle from damages by a third party or natural disasters, however the limits of liability on each type is very different and varies from company to company.

The biggest difference between these two insurance categories is that compulsory car insurance will only cover medical expenses for all people affected or involved in a road accident, whether they are drivers, passengers or pedestrians. That is where compulsory coverage ends while voluntary car insurance is more nuanced and has many different forms of coverage for people and their vehicles.

In general the sum insured of Type 2+ coverage is much higher than Type 2 auto insurance. Additionally, Type 2+ will provide more protection for damages to your vehicle from a collision with a third party. Type 2 however, is much more limited in protecting your vehicle from car accidents with a third party and does not include any flood damage protection which may be quite necessary if your vehicle is not parked in a secured parking garage or elevated area.

In most cases, car insurance Type 3+ offers coverage to your vehicle from a car accident with a third party while Type 3 will only cover damages to a third party vehicle and liability to third party for any bodily harm or death. Most insurers will also provide 24/7 towing service with Type 3+ insurance policy and the ability to add excess insurance, whereas this options do not exist for Type 3 insurance

Generally car insurance Type 2+ and Type 3+ will both offer coverage to your vehicle from a car accident with a third party, damages to a third party vehicle and liability to third party for any bodily harm or death. However, only Type 2+ will provide additional coverage for car fire, theft and flood damage while Type 3+ does not include this additional coverage.

You can easily check your car insurance quote on MrKumka.com website, customise your policy coverage and put in your details to proceed with the purchasing process or give us a call at 02 080 9292

MrKumka provides the ability to conduct a remote video or photo car inspection and easily share the video or photos with our agents. Once you have purchased your car insurance, our agents will reach out to you and send the details on conducting the car inspection and keep you updated once it has been approved. If you would like to have an in person car inspection done, please give us a call at 02 080 9292

If you’ve been involved in a car accident, before worrying about your car, make sure you and other people around you are safe and well. If any one needs immediate medical services, call the emergency services immediately. Once you are safe and well, do not move your vehicle, do not discuss the accident with any parties, just call MrKumka or your insurance company hotline and inform them of the accident.

Every insurance company has a slightly different procedure in handling claims, however all of them will need to know your policy number, so plan ahead and make sure you always have these details at hand.