Car Insurance Type 2 a cost-effective and extensive coverage for your vehicle

Most Type 2 insurance policies do not provide coverage for own damages.

Most Type 2 insurance policies do not provide towing or or road support.

Protection in case of car fire that damages the car in any way, whether mechanically or cosmetically.

Example of this is if a house fire near your vehicle spreads and causes fire damage to the outside and interior of the car.

Protection in case of automobile theft or the car is broken into, damaged in the process and items or parts of the automobile are stolen.

Example of this is if a thief breaks into your car through a window in order to get inside your car and steal valuable items in your automobile.

High coverage for damages and liability to a third party vehicle as well as any bodily injury or loss of life that is caused by the insured party during a car accident.

Example is if the insured party collides with another vehicle on the road and causes damage to the third party car trunk and also a serious injury to the third party passengers that requires medical treatment.

Coverage for any bodily injury or any medical expenses that are related to a road accident.

Example is if the insured car is hit from the side, breaking the side window and causing the door to dent and in the process break the driver’s leg which would require medical attention.

Pre selected car repair garage or dealer garage upgrade

Named driver or any driver upgrade

This partially depends on your preference but also who you can trust with repairing your car. Most insurers have a pre-selected garage repair list in case a customer’s vehicle was damaged in a road accident. Some insurance brands will allow for upgrading this to have both pre-selected and dealer vehicle repair garages for an additional fee or even allow upgrading to repair at any garage of your choice for a bit of a larger fee. The reason is that insurers build relationships with their pre-selected repair garages so as to be sure they can guarantee quality of repair and get a lower cost for their customers. If choosing other types of repair garages, an extra fee is added to the insurance premium as the insurer is not able to provide guarantees on the level of car repair quality, it also increases the risk that the vehicle could have issues in the future because of lower quality repair.

This will largely depend on who is driving your automobile most of the time. This coverage upgrade allows for adding additional drivers to your insurance policy and still receive the same level of coverage. Most insurance providers will only allow you to be named as the driver in the policy but by paying an extra fee, you can add other named drivers to your insurance coverage. You can upgrade this even more to have any driver in your policy by charging a higher fee to your premium.

Example of this is if you have a car that you share with your son. By selecting this upgrade on your insurance policy to allow for any driver, any one of your family members can drive the car without having to be named in the policy and still receive the same level of protection. This will increase your insurance premium cost but it will also ensure that your vehicle is protected, no matter who is driving it.

This will depend on your insurance company and their claim guidelines. You can visit our How to Claim page that provides a bit of claim details for the most popular insurance companies in Thailand.

Feel free to reach out and contact us at MrKumka.com and we are happy to go through the details of each insurance brand and policy options so that you may find the protection suitable for you. Contact: 02 080 9292