Tokio Marine Safety Insurance logo | MrKumka

Tokio Marine Safety Insurance (Thailand) Public Company Limited

"Expertise with understanding"

Tokio Marine Safety Insurance is committed to delivering enhanced services with a wide range of insurance products for individuals and businesses. Elevating customer and partner experiences with digital solutions for seamless access anytime, anywhere, on any device, ensuring faster and more efficient service.

Tokio Marine Safety Insurance - a leading car insurance company in Thailand | MrKumka
Tokio Marine Safety Insurance - a leading car insurance company in Thailand | MrKumka

What is the history of Tokio Marine Safety Insurance (Thailand)?

Tokio Marine Safety Insurance (Thailand) Public Company Limited is a subsidiary of the Tokio Marine Group, the first insurance provider in Japan established over 140 years ago.

On 31 August 2018, Tokio Marine & Nichido Fire Insurance, a subsidiary of Tokio Marine Holdings, along with its affiliates, acquired Safety Insurance, a non-life insurance company in Thailand, from Insurance Australia Group Limited, an Australian insurance company.

Tokio Marine Safety Insurance (Thailand) Public Company Limited was formed through the collaboration of Tokio Marine Insurance (Thailand) Public Company Limited, an expert in commercial insurance and Japanese clients, and Safety Insurance Public Company Limited, a specialist in the Thai insurance market, particularly in retail and car insurance.

Following the completion of the merger and approval from the Office of Insurance Commission (OIC), Tokio Marine Safety Insurance (Thailand) Public Company Limited was officially established on 3 February 2020.

Why choose Tokio Marine Safety Insurance?

Discover the top reasons why Tokio Marine Safety Insurance (Thailand) is the best choice for you:

  1. Strong and stable financial capability - Tokio Marine Safety Insurance maintains solid financial strength, receiving an A (Stable) rating from Standard & Poor’s (S&P) as of February 2025.
  2. Professional and reliable management - Consistently upholding a high Capital Adequacy Ratio (CAR), currently at 599% (Q3 2024), guaranteeing financial security and stability.
  3. A leading non-life insurance provider in Thailand - Ranked no.1 in marine and cargo insurance, no.2 in car insurance, and no.4 in overall across all non-life insurance products.
  4. Extensive nationwide service network - Over 90 branches and service centres and a network of 1,000+ affiliated repair shops across Thailand for seamless customer support.
  5. Global expertise in non-life insurance - Collaborating with 45 Tokio Marine Group companies worldwide, leveraging global knowledge and technology to provide the best insurance solutions.

What is the list of products Tokio Marine Safety Insurance cover?

Tokio Marine Safety Insurance (Thailand) offers a wide range of insurance products for both individuals and businesses, ensuring peace of mind with comprehensive coverage. These include:

Personal accident insurance

Get financial protection for medical expenses, disability, and accidental health – ideal for individuals and families.

Health insurance

Cover hospitalisation costs, surgeries, and long-term medical treatments, reducing your financial burden.

Car insurance

Choose from comprehensive car insurance, type 2+ car insurance, and type 3+ car insurance to protect your vehicle against damage, theft, and third-party liability on Thai roads.

Home insurance

Secure your home against fire, theft, and natural disasters, plus personal liability protection.

Travel & sports insurance

Enjoy stress-free trips with medical, baggage, and trip cancellation coverage, plus special golf insurance for on-course accidents.

FAQs: Tokio Marine Safety Insurance type 1 car insurance

How much does type 1 car insurance cost?

Type 1 car insurance from Tokio Marine Safety Insurance starts at THB 13,500 per year, depending on your car’s make and model.

What does type 1 car insurance cover?

Type 1 insurance provides comprehensive coverage, including:

  • Damage from accidents and collisions
  • Vehicle theft, fire, and natural disasters (e.g. floods)
  • Medical expenses for drivers and passengers
  • Third-party liability for injury, death, or property damage.

Do I need a car inspection for type 1 car insurance?

Yes, a vehicle inspection is required. Tokio Marine Safety Insurance offers both in-person and online inspections via AppMan e-Inspector, making the process quick and convenient.

Can a car over 10 years old get type 1 car insurance?

Yes, Tokio Marine Safety Insurance covers vehicles up to 20 years old, with repair services available at approved garages.

What is the difference between type 1 and type 2+ car insurance?

The key difference is in coverage:

  • Type 1 insurance covers damage from accidents, theft, fire, floods, and natural disasters.
  • Type 2+ insurance only covers accident-related damage if another vehicle is involved.

What does type 1 car insurance not cover?

  • Driving under the influence or illegal activities
  • Speed racing or reckless driving
  • Intentional damage or misuse of the vehicle
  • Coverage ends immediately upon selling the car

FAQs: Tokio Marine Safety Insurance type 2+ car insurance

Who should get type 2+ car insurance?

Type 2+ insurance is ideal for experienced drivers with a good claims history. It’s a budget-friendly option for vehicles 3 years or older, as repair costs are generally lower.

How much does type 2+ car insurance cost?

Premiums for type 2+ car insurance from Tokio Marine Safety Insurance start at THB 6,600 per year, depending on the car’s make, model, and insured amount.

Does type 2+ car insurance cover car repairs?

  • Yes, but only in case of a collision with another car.
  • No coverage for single-vehicle accidents (e.g. hitting a pole).

What’s the difference between type 2+ and type 2 insurance?

  • Type 2+ covers your car in an accident involving another vehicle.
  • Type 2 only covers third-party damages (not your own car).

What is the best car age for type 2+ insurance?

Type 2+ insurance is best for cars aged 3+ years, with coverage available up to 20 years.

FAQs: Tokio Marine Safety Insurance type 3+ car insurance

What does type 3+ car insurance cover?

Type 3+ insurance covers:

  • Repairs for your car and the other party’s car in case of a collision
  • Medical expenses for passengers

What is the difference between type 3+ and type 2+ car insurance?

  • Type 2+ covers theft and fire.
  • Type 3+ does not – it only covers accident-related damages.

How much does type 3+ car insurance cost?

Premiums for type 3+ car insurance from Tokio Marine Safety Insurance start at THB 6,100 per year, depending on the car’s make, model, and age.

Is monthly car insurance available?

Yes! Tokio Marine Safety Insurance offers short-term coverage for 30, 90, or 180 days (type 2+ and 3+ policies).

Can older cars get type 3+ insurance?

Yes, type 3+ car insurance from Tokio Marine Safety Insurance has no age limit - you can insure any car, no matter how old at Tokio Marine Safety Insurance.

What is the claim process of Tokio Marine Safety Insurance?

Filing a car insurance claim with Tokio Marine Safety Insurance is simple and straightforward. Follow these steps for a smooth claims process:

Contact the Motor Claims Call Centre

  • Call 0 2257 8080 (available 24/7) to report your claim and provide the following details:
    • Insured person’s name and policy number
    • Vehicle registration number and brand
    • Driver’s name
    • Cause of the accident
    • Accident location (provide a well-known landmark if possible)
    • Preferred appointment location (e.g., a police station for assessment)
  • Providing accurate details can help speed up the claims process.

Receive claim confirmation

You will receive an SMS notification with your claim number and details of the assigned surveyor, including the appointment time. Tokio Marine Safety Insurance guarantees a fast and hassle-free claims process so you can get back on the road with confidence.

What to do after a car accident?

If you are involved in a car accident, Tokio Marine Safety Insurance (the company) guides you through these essential steps:

If you are not at fault:

  • If the other driver has no insurance, try to collect their car registration details, driving licence, or ID card. Report the accident to the police and notify the company on the next working day.
  • If the other driver has insurance, exchange claim forms and request a liability acceptance note from their insurer’s surveyor. Notify the company on the next working day.

If you are at fault:

  • If the other driver has no insurance, arrange a visit with them to the company’s office with the damaged car. Provide a liability slip if required.
  • If the other driver has insurance, exchange claim forms and follow the insurer’s claim process.

If both drivers dispute fault:

  • Exchange claim forms if both parties have insurance.
  • If the other driver has no insurance, request a police report or an official note stating shared negligence.

If you cannot determine fault:

  • Contact the local police and do not move your vehicle until they arrive.

If someone is injured:

  • Take the injured person to a hospital immediately. If you have compulsory insurance, show your policy sticker for medical coverage.

When your car is seized by police:

  • Remove valuables, request a police record of the car’s condition, and obtain a copy.

If your car is stolen:

  • Call 1192 (lost & found car centre) and report to the nearest police station.
  • Prepare registration documents, power of attorney, and company affidavits (if applicable) to claim compensation.

If bail is required:

  • Tokio Marine Safety Insurance provides bail money up to the policy’s liability limit.

How to submit your documents at Tokio Marine Safety Insurance?

Submit your completed form and required documents through your servicing adviser, or mail them to:

Motor Claim Department, Tokio Marine Safety Insurance (Thailand) PCL. 26/5-8 Orakarn Building, 1st-2nd floor, Chidlom Road, Lumphini, Pathumwan, Bangkok 10330

How long does it take for a claim payment period?

  • For voluntary policies, the insurer will indemnify the claim amount to the insured/beneficiary within 15 days upon the completion of the required documents.
  • For compulsory policies under the Vehicle Protection ACT, the insurer will indemnify the claim amount to the insured/beneficiary within 7 days upon the completion of the required documents.
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