ERGO Insurance (Thailand) Public Company Limited

ERGO Insurance (Thailand) Public Company Limited, formerly known as Thaisri Insurance Public Company Limited, has over 70 years of success in providing trusted non-life insurance services. With a strong commitment to fairness, transparency, and integrity, ERGO builds lasting trust among customers, shareholders, and regulatory agencies, while delivering coverage that truly meets diverse protection needs.

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Simple because it matters. - ERGO Insurance | MrKumka

What is the history of ERGO Insurance?

In 1953, the company was established as Thaisri Nakhon Insurance and Warehouse Company Limited, focusing on fire and marine insurance. Later in 1976, it was licenced by the Ministry of Commerce to offer all types of non-life insurance, and in 1989, the company changed its name to Thaisri Nakhon Insurance Company Limited to support its expanding car insurance services.

In 2005, the company was renamed Thaisri Insurance Company Limited, with the Panicheva family becoming shareholders alongside Zurich Financial Services Group. It was later converted to a public limited company in 2011.

In 2016, the company entered a joint venture with ERGO Group, a leading insurance group in Germany and Europe. This partnership included a capital increase to THB 740 million, culminating in the name change to ERGO Insurance (Thailand) Public Company Limited in 2023.

Insurance products from ERGO Insurance in Thailand

ERGO Insurance offers comprehensive coverage and effective risk management solutions, making it a trusted choice for individuals and businesses alike. Their diverse range of insurance products includes:

Car insurance
Motorcycle insurance
Property insurance
Accident insurance
Miscellaneous insurance
Travel insurance
Health insurance

Car insurance

ERGO’s voluntary car insurance offers comprehensive protection, from collisions, theft, and fire to third-party life, health, and property damage. You can also customise your plan with a wide range of additional coverage options. Plus, you’ll get free 24-hour emergency services for roadside assistance.

Motorcycle insurance

ERGO offers comprehensive protection for both big bikes and standard motorcycles. Along with strong coverage, you’ll benefit from exceptional after-sales service and a nationwide network of trusted garages and repair centres. Whether it’s for accidents or repairs, making a claim is simple, smooth, and worry-free.

Property insurance

Protect your home or small business affordably with ERGO’s Micro Insurance. It’s ideal for anyone who wants home fire insurance with a simple, lump-sum payout with no need for a damage survey. You can get covered right away. If something happens, ERGO also helps with temporary accommodation - THB 300/day for up to 30 days per year.

Accident insurance

Live life to the fullest without worry with ERGO Insurance. With plans like PA Easy, PA Easy 5/5, PA Happy Family, and PA Happy Suk x2, ERGO offers affordable personal accident insurance with generous benefits,- including daily compensation, child medical expenses, and family support for up to 12 months, depending on your plan. Great coverage that fits your budget.

Miscellaneous insurance

ERGO has miscellaneous insurance to match your lifestyle. From debt collection insurance to golfers' liability and more, these plans offer long-term protection at low premiums, all tailored for your unique needs.

Travel insurance

ERGO’s domestic and international travel insurance covers unexpected accidents, covering loss of life, limbs, eyesight, permanent disability, or medical treatment. You’re protected 24/7 with value-packed premiums, so you can enjoy your trip without stress.

Health insurance

ERGO’s critical illness and cancer insurance offers a lump-sum payout if you're diagnosed, at any stage, and covers conditions like skin cancer, heart disease, coronary artery issues, and more. Premiums are tax-deductible too, giving you peace of mind and smart savings.

Why to choose ERGO Insurance?

With over 450 dedicated employees and more than 70 agents, branches, and service centres across Thailand, ERGO Insurance (Thailand) Public Company Limited is committed to providing comprehensive insurance coverage and effective risk management solutions tailored to your needs.

Whether it’s motor insurance, travel insurance, accident coverage, or property protection, ERGO ensures you receive the most suitable coverage for every stage of life. All approved expenses are fully covered according to your chosen insurance plan - so you can enjoy peace of mind when it matters most.

Car insurance claim process at ERGO Insurance

In case of an accident, call 24/7 claims centre on 02 820 7000 or the hotline 1219.
Share your car registration number and the details of the incident.
A claims officer will be dispatched to inspect the scene.

If you’re not at fault

Move your vehicle to a safe area once the third-party admits fault and a written agreement is made.
Take photos of the third-party vehicle, if possible, and note the plate number, name, and contact details of the third-party.
Collect witness details, if available.
Notify the company immediately.
For type 3 policy, the company will send staff to assist at the scene or police station, but further follow-up must be handled by the insured.

If you’re at-fault

Once responsibility is admitted, move your vehicle to a safe location off the road.
Contact the company immediately.
Do not sign any documents until the claims surveyor arrives.

If fault is unclear

Do not move the vehicle unless instructed by the police after marking the scene.
Contact the company right away and avoid giving statements to anyone except the police or the company’s staff.
If possible, take photos of both vehicles involved.

Hit-and-run accidents

If your vehicle is hit and the third-party flees the scene, report the incident to the local police station. If you know the licence plate, provide it as evidence.

Stolen vehicle

Immediately report to the local police station, the vehicle theft suppression centre (1599) and the company.
Provide key details: vehicle registration, colour, chassis number, time and location of theft.
Submit any requested documents to help expedite the claims process.
If you receive any leads or tips regarding the stolen vehicle, inform the company immediately.

Claiming compensation

Here’s how to claim compensation for repairs or medical expenses:

You can choose to repair your car at a company’s partner garage or your preferred workshop (please inform the staff in advance).
If repaired at a partner garage, inspect your vehicle in good lighting before signing any release form. Immediately report any unresolved issues to the company.
The duration of repairs depends on the extent of the damage.
If there’s an injured person, use your compulsory motor insurance (Por Ror Bor) first. If you pay upfront, keep the medical certificate and receipts, and submit them to the company for reimbursement.
The company will process compensation within 15 days (or as agreed) after all required documents have been submitted.

Helpful tips before buying ERGO Car Insurance

Thinking of buying car insurance from ERGO Insurance? Here are some essential tips to help you choose the right policy:

Choose the right type of car insurance coverage: Carefully review the terms and conditions of each car insurance plan. Make sure the coverage aligns with your driving needs and lifestyle. Whether you need compulsory or comprehensive insurance, selecting the right level of protection is key.
Compare coverage and car insurance premiums: Compare what’s covered under each policy. Look for benefits like accident coverage, protection for both driver and passengers, coverage for natural disasters, and the sum insured. Always check for policy exclusions and ensure the plan suits your budget and risk level.
Need help choosing? Get expert advice: If you’re still unsure about the best ERGO insurance plan, contact MrKumka for personal recommendations. We’re here to help you compare plans, understand your options, and secure the best car insurance deal that truly fits your needs.