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+ What Car Insurance Company should I choose?

Ultimately, this is up to you and your driving needs, however, for the sake of reliability we recommend choosing a well established organization. We work with 30 different insurance company brands all of which are reputable and well known in Thailand. Selecting car insurance with MrKumka is easy and convenient as we try to offer you products from both the leading insurance companies as well as those that can match your price requirements. Here is a bit of information about the most popular ones;

• The Viriyah Insurance
is Thailand’s number 1 leading non-life insurance company providing insurance for vehicles, marine, assets and much more. They are well known in the market and have a big network of shops.

• Syn Mun Kong Insurance
is one of the most popular brands in Thailand. They offer a wide variety of different car insurance types and packages. With 63 nationwide branches, they also let customers choose insurance coverage for different lengths of time, from 3 months, 6 months, 9 months and up to 1 year per insurance policy period.

• Thanachart Insurance
is a more recent company that has surged in its number of insured customers. They provide car insurance with a focus on flood protection since this can be a concern for many drivers in Thailand. For great service, they have won the outstanding Non-Life Insurance Company Award for 7 years.

• LMG Insurance
is a well known and international brand for non life insurance. They have more than 100 years of experience in over 15 countries. They expanded throughout all the provinces in Thailand with around 50 different branches and garage networks as well.

• Dhipaya Insurance
is another well known insurance company in Thailand. They are unique in that they not only offer vehicle insurance but also different forms of health insurance. They also launched a sub-brand called TipLady designed to provide specially catered insurance services for women.

These are just a few of our insurer options. Check your car insurance quote with Mr.Kumka and choose from over 30 insurers with the right price and coverage for you.

+ What is the difference between Type 2 and Type 2+ vehicle insurance?

This will depend on the insurer that you choose, but generally the financial amount of insurance coverage for car insurance Type 2+ is much higher than Type 2 insurance. Additionally, Type 2+ will provide more protection for damages to your vehicle from a collision with a third party for any damages, bodily harm or death, 24/7 towing service, coverage for theft, car fire or flood damage.

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.

+ What is the difference between Type 3 and Type 3+ vehicle insurance?

This will depend on the insurer that you choose, but generally 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

+ What is the difference between Type 2+ and Type 3+ vehicle insurance?

This will depend on the insurer that you choose, but 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. Most insurers will also provide 24/7 towing service with Type 3+ insurance policy and the ability to add excess insurance. However, only Type 2+ will provide additional coverage for car fire, theft and flood damage while Type 3+ does not include this additional coverage. We recommend that you consider this difference carefully, especially if your vehicle is usually parked outside instead of a secured parking garage.

+ Which car insurance Type will cover flood damage better?

Considering how much it rains in Thailand, most insurers include flood damage and similar 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.

+ Which car insurance Type will cover car breakdown or damage better?

With most companies, 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. The most comprehensive would be Type 1 and Type 2+. These two car insurance types would also be more recommended for new drivers or for people who drive often and for long distances.

+ Which car insurance Type will provide 24/7 towing service?

This largely depends on your insurer but generally Type 1, Type 2+ and Type 3+ will offer towing service as part of your insurance policy or as an add on.

+ Which car insurance Type will provide protection from fire damage or car theft?

This largely depends on your insurer but generally Type 1, Type 2+ and Type 2 will offer insurance coverage for fire damage and car theft.

+ Which car insurance Type had the option of installment payments for the insurance premium?

This does not depend on your insurance type as much as it depends on the insurer that you choose for your vehicle. Most big brands offer car insurance payment through installments, even Mr.Kumka has an option for you to pay for your insurance premium through fixed installments by debit card, credit card or bank transfer.

+ Which auto insurance Type will include Roadside Assistance?

Usually, most insurers provide Emergency Roadside Assistance as an add on to your insurance policy as this is considered a separate insurance product. However, car insurance Type 1, Type 2+ and Type 3+ should all be able to offer 24/7 car towing service in addition to car insurance surveyors arriving to the car accident scene to help you process your insurance claim.

+ What is Excess Insurance?

Some insurance companies will have the option to add on excess insurance which is a form of additional coverage that in the long term helps to keep your car insurance premium lower and reduce the amount of insurance claims where you are at fault.

. If you purchase an insurance policy and request to have an ‘x’ amount of excess added to your policy, when you have a car accident and you are at fault, you do not need to make a claim if the cost of car repairs is below the ‘x’ amount listed in your excess insurance policy.

You will pay for the cost of repairs yourself and avoid adding a claim to your insurance claim history while retaining your good driver history. However, if the cost of repairs is above the ‘x’ amount listed in your excess insurance policy, you will need to make a claim with your insurance company. In such a case, you will still pay the ‘x’ amount listed in your excess insurance policy and your insurer will pay the remaining amount from the cost of car repairs. If you have an accident with a third party and you are not at fault, you do not need to pay anything and your excess does not apply in such a scenario. Overall, we recommend everyone to request excess added to their insurance policy as it will help you to lower the number of car insurance claims in your history and in the long term, help to keep your insurance premium lower.

+ What is a Car Repair Garage Option or Garage Plan?

Some insurers provide the option to repair your vehicle at one of their partner garages in the event that you have a car accident. In choosing this option, you may be able to get a lower premium from your car insurance company based on their policy and extent of car repair garage networks.

+ What is a Driver Option or Driver Plan?

This option allows you to add additional drivers to your car insurance policy in the event that you are not the only person that may drive your vehicle. This provides additional protection to your vehicle in the event that your vehicle is involved in a car accident, 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 insurance policy. Check with your insurance company as some are more relaxed about additional drivers while others may not be.