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Roojai
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Posts posted by Roojai
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17 hours ago, scoupeo said:
Does it mean that if we buy ANY GARAGE plan we can also go to the official dealer ? But you do not have all official dealers in all provinces...
Hi scoupeo,
Any garages means anything that is not in our preferred garages list, including dealers.
If it's not in the list it only means none of our customers went there before. A customer just need to contact us at least 24 hours in advance so that we can make arrangements with the garage.
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18 hours ago, canopus1969 said:
Which Honda Dealer to use in Udon Thani - I ask because I cannot find on your list
Hi canopus1969,
If you purchase an insurance policy with the "Any garage" plan, you can repair your vehicle at another garage not in the preferred garages list.
If it's not in the list it only means none of our customers went there before. A customer just need to contact us at least 24 hours in advance so that we can make arrangements with the garage.
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21 hours ago, sncoem said:
I checked again and the only garages are far from Pattaya, and if you own a benz it's in BKK !
So how people who own a benz can be covered by your insurance ?
Dear sncoem,
If you are looking at the logo on the garage, that's only the dealer garages.
Our preferred garage network can repair any model. You can call and our agents to check for you. But that's definitely something we should add to our garage map.
Thanks, we will implement that feature on the website.
If you purchase an insurance policy with the "Any garage" plan, you can repair your vehicle at another garage not in the preferred garages list. However, please contact us at least 24 hours in advance so that we can make arrangements with the garage.
Best regards,
The Roojai.com team
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3 hours ago, scoupeo said:
Can we get a list of garages where it is possible to fix a car around Pattaya ?
Do you have a list ?
Thank you.
Hi scoupeo,
All the garages available can be checked here. You can search by province or find garages near you (remember to enable the location service on your browser and device). You can also check the available customer ratings for the garages.
Best regards,
The Roojai.com team
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14 hours ago, jackdd said:Do you have a source for this? It sounds odd, because if the government decided to do this, it is most likely for to the compulsary insurance which every vehicle needs to have, and not to some voluntary insurance as provided by you. In this case it would increase the cost for the RVP insurance fund, but this seems to be unrelated to your costs. So how did it increase your costs?
Dear jackdd,
The change of the act applies to both compulsory insurance and voluntary insurance.
https://www.oic.or.th/en/consumer/news/releases/90748
The link is in Thai, but you can see the new law impacting voluntary insurance in slide 12.
Let us further clarify.
The compulsory insurance only covers the victim of an accident for up to 500,000 THB. It used to be 300,000 THB before the change above.
This amount is often insufficient.
All the voluntary policies in Thailand (type 1, 2+, 3+, 2, 3) offer an additional cover for third party bodily injury. However, the coverage amount is not standardized. Some companies only provide an additional 600,000, some 1,000,000, other ones 2,000,000 or more.
The change in the act requires the insurer to pay the full amount of the cover (600,000, 1 million, 2 million, etc.) in case of death.
However, if the cover is more than 2,000,000 THB, only the first 2,000,000 THB is to be paid in full. The amount above the 2,000,000 THB (for example if the family of the victim has reasonable ground to demand a higher payout) is still subject to the actual calculation of the economic loss of the victim family and can be challenged in court.
Unfortunately, insurance buyers often disregard third-party injury covers. Everybody is always more focused on the sum insured for their vehicle rather than the coverage in case they are involved in an accident leading to severe injuries or death.
We encourage everybody to be extremely cautious on the third-party cover and to give it adequate consideration when buying insurance.
Over the last few months, we have seen courts decision becoming more and more generous towards the victims, which is the standard and fair evolution that happened in more developed insurance markets, and we can expect this to carry on for many more years.
For example, let's say a driver is unfortunately involved in a car accident leading to the death of a 30 years old husband and father of young kids making 50,000 THB a month. The family would have a good case in court to get compensated 5 to 7 years salary of the deceased, which, including all costs, can amount to a 3-4 million THB payout. If your insurance policy only covers you for 500,000 THB (compulsory) and 600,000 (voluntary), the family of the victim is entitled to go after your assets to get the remaining amount.
Luckily, these are very rare events, but they do happen, and the consequence could be dramatic.
We hope this clarifies.
Best regards,
The Roojai.com team
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On 11/9/2020 at 10:24 AM, wimpy said:Have been with Roojai for a year. The quote they are giving me for renewal no longer includes the 24hr roadside assistance. If I add the roadside assistance at additional cost, the premium is higher than last year. This is despite having zero claims and my vehicle value depreciating. Have others gotten the same "deal"? ????
Dear wimpy,
Thank you for your feedback and for being a Roojai.com customer.
Premiums do change from year to year depending on a number of factors including:
- the number of Roojai.com customers who had accidents in the previous year;
- the inflation of garage repair and labor costs; and
- the increasing cost of bodily injury claims over time.
Of course, we try to control these costs and limit the variation of premium from year to year- especially for drivers like yourself who did not have any accidents.
In April 2020, the Thai government decided to increase the compensation amount paid for anyone who dies in a motor accident. We believe that this is a good change, since it is important to provide fair compensation to the family of anyone who is unfortunate enough to die in a motor accident. However, this change in legislation has greatly increased Roojai.com claim costs. As a result, Roojai.com (and many Thai insurance companies) have had to increase prices. This is the main reason why your renewal premium has increased.
We’d also like to take this opportunity to clarify the relationship between sum insured and premium. Your sum insured decreases at renewal, but this does not have as big of an impact on your premium as you might at first expect.
The sum insured only impacts the amount you receive in case of a total loss (where your vehicle has been stolen or the damage is so severe that your car cannot be repaired). Thankfully, these cases are very rare: less than 1 in 1,000 accidents Roojai.com handles are total losses. The remaining 99.9% of accidents are for minor damages (e.g. bumper repairs or dented doors) which cost less to repair than your sum insured. These minor repairs cost a similar amount this year as last year, even though your sum insured is lower this year.
We understand that it does not feel good when your insurance premium increases at renewal even though you did not make any claims. Ultimately though, we believe that a good value renewal premium is not based on what you paid last year but rather than what you could pay today with other insurance providers. This is true for insurance as for any other product. We strive to make sure that Roojai.com is competitive in the current market so that all our existing customers feel that they are getting good value for money. We hope that you renew your policy with us on this basis, but if not, we also understand. We never take any of our customers for granted and we will continue to fight hard to keep you all!
Your sincerely,
The Roojai.com team
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On 4/16/2020 at 5:16 PM, topt said:
Before 19th March?
I was finally told the documents were ready 9th April so that's nearly 3 weeks from paying but at least the AA Insure receipt showed clearly what I had paid for.
One of the benefits is also having a physical office and people I know to go and talk to.
@Kenny202 i can understand Roojai not having the details in English and think they did a good job in finally getting the translation up. However I can also empathise re the customer service experience from some previous interactions.
@Roojai I am also a bit peeved about being spammed the offer on email and SMS and trying to unsubscribe sends you into a never ending loop that fails to do anything.......Especially as I never ever gave permission to use my phone number for that.
Hi Topt,
You can unsubscribe directly from the email footer, or by calling our contact center.
Best regards,
The Roojai.com team
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On 4/15/2020 at 2:13 PM, GuyFawkes said:
My query regarding what proof would be needed if making a claim that the insured was free of Covid -19 when taking out the policy still hasn't been answered. 'Cross my heart and hope to die if I tell a lie' or something more tangible like a medical test?
Hi Guy,
There is no requirement for a negative evidence paper, but Dhipaya has right to check the medical history of the insured for the period prior to the claim.
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Just now, Kenny202 said:
Well I didn't see it and I looked everywhere, and in any case why would you attach a Thai list of terms and conditions to an English worded website?
Dear Kenny,
Because that's the only version provided by Dhipaya insurance, and provided only after purchase, together with the policy schedule. We decided to add the link to it because it was still better than not providing any document at all. The English summary required some time to be ready because it needed to be approved by the underwriting team.
Best Regards,
The Roojai.com team
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Just now, Kenny202 said:
Lol. They are now....They weren't before right?
The T&C have been there from launch. The policy wording was available in Thai only at first. We needed time to prepare the English summary.
Best Regards,
The Roojai.com team
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2 minutes ago, Kenny202 said:
Yes thats right, 100k for treatment which I guess would be about a week in hospital 2 at best. The million is to cover you as you say for death or long term complications / coma resulting from Covid. On Roojai's website page they had no details whatsoever on what is and what isn't covered. No T&C. Whole thing handled very badly
Dear Kenny,
The summary of the policy wording is linked on the page, and the T&C are below the fold.
Best Regards,
The Roojai.com team
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Dear all,
Thank you for the feedback and the comments in the thread.
Let us clarify a couple of points and reassure you that there isn't any wrongdoing happening here.
For the COVID-19 product, Roojai.com act as the distributor of Dhipaya/Tipinsure product. So far, 7 million COVID policies have been sold, and a large part was by Dhipaya. They are dealing with a large volume of policies, so there have been some delays in delivering them. Some mentioned that they could get the email straightaway by some providers. This is because these policies were transacted directly on Tip system.
To use the online capability of Roojai.com, we have used a different approach whereby policies purchased on Roojai.com website are transmitted daily to Dhipaya/Tip, which then issues them. That doesn't change the fact that you are covered from the date of the purchase. We are working with them to get things processed quickly, but be reassured that you are covered if you have received a confirmation email from Roojai.com.We also uploaded an unofficial English summary of the policy wording to our page, for people to have a look before purchase. Dhipaya/Tip do not have this available, and we took on us to do it to facilitate the understanding.
If any of our service staff response was unsatisfactory, please accept our apologies. We are re-training them again since this is a new product.
Regarding the waiting period, it does not refer to the policy starting date but to the claim date. It's a common insurance practice, to avoid fraud, and it's valid for all Dhipaya/Tip insurance policies. Your policy starts on the day of purchase. You can claim for a diagnosis done 14 days after the date of purchase.
Finally, there were some issues with foreigners filling the "Passport" field with their nationality instead of the passport number. From then we changed the field name to "Passport Number" to make it clearer.
We hope this helps to clarify some of the comments here and we apologize again if the service encountered was not at expected level for Roojai.com service.
Best Regards,
The Roojai.com team-
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Dear Kenny,
You are covered if you received our payment confirmation email. The insurer is dealing with high volume and there are some delays in processing the policies.
The 14 days waiting period does not refer to the policy start date but the claim date. The waiting period is valid for all Dhipaya COVID-19 policies.Best Regards,
The Roojai.com team
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17 hours ago, Jessi said:
I took out this insurance on 28th March.
I have not received my policy yet.
What is going on?
Hi Jessi,
You are covered if you received our payment confirmation email. The insurer is dealing with high volume and there are some delays in processing the policies.
The 14 days waiting period does not refer to the policy start date but the claim date. The waiting period is valid for all Dhipaya COVID-19 policies.-
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19 hours ago, CharlieH said:
9 days and @Roojai have failed to respond ? that's a concern
Hi Charlie,
This is not an official communications channel. We seldom check the forum. If you want a quick response, please contact us through our channels. Also, the COVID product, its terms & conditions, policy schedule and policy wording are defined by Dhipaya (contrary to what we do for car and motorbike insurance where we design the product together with the insurer). The policy wording is available on the page. Unfortunately the insurer only provides that document in Thai so we are working on an unofficial English summary.
Regarding your question, the doctor medical report will be what will be used to define the situation.
Best regards,
The Roojai.com team
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22 minutes ago, MJKT2014 said:
Thanks for update. My browsers still have the old "Thai Only" details so I'll wait. I'll be interested in this for myself and family once I see new info from you on the web site.
Have you tried to go to the page https://www.roojai.com/en/covid/ and then click Ctrl+F5? That does a hard refresh of your browser purging the cache for the page. If it still shows, it's probably your local servers which are still holding the cached version. ????
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3 hours ago, MJKT2014 said:
Dontcha just luv Insurance companies? I big fat buy button to register for Covid19 insurance and a tiny details button that still says "6. Benefits and coverage are according to the policy terms and conditions. (Thai Nationals Only)" even on a new browser with no cache?
What gives?
I guess you still have the cached version somehow. Caching is done at the device and the server level, which means maybe your local server is not updated.
3 hours ago, faraday said:What is Roojai's definition of Chronic Disease, as mentioned in point 2 of T&C's?
As defined in the page https://www.roojai.com/en/covid/
"*Any illnesses such as coma, brain and nervous system damage or disorders, terminal illness, and or death, as a direct result of the Coronavirus, determined by a physician."On a different note, we are trying to get the full policy wording from Dhipaya on the website but they only have it in Thai so we are working on it for now. We will upload it and make it available as soon as it's ready.
Best Regards,The Roojai.com team
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Dear Guy,
Thanks for your interest in the product.
The last point says "The insured person must reside in Thailand at the time of policy issuance. In case of a foreigner, he/she must have a passport and work permit, or have resided in Thailand for more than 6 months.". So long-term residents are fine.
Maybe you saw the previous cached version of the website with the "Thai Nationals only" version ????https://www.roojai.com/en/covid/
Best wishes,
The Roojai.com team
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2 hours ago, jackdd said:And then Roojai will forward the claim to the insurance company which issued the policy, as pointed out before.
In case of a claim the money doesn't come from Roojai. They work with different insurance companies, so if getting a payout in case of a claim is easy or difficult will depend on the company which issued the policy, and is only slightly related to Roojai.
Thank you all for the comments!
We usually don’t interfere with the forums, but we thought it could be useful to clarify the discussion between Transam and Jackdd.
Both of you are actually right.
Yes, Roojai.com is a broker and as such, we are distributing policies of Insurance companies which are not Roojai.com policies. However, we have a peculiar model which is slightly different from the typical broker. We are only selling policies from Krunghthai Panich for car insurance, and LMG for motorbike insurance. Because these are exclusive partnerships, we have agreed specific terms with both our partners. As a consequence the product (and price) you buy on Roojai.com cannot be found anywhere else. It does not mean it is always cheaper, but it is always different.
Regarding the claims handling, you are both right again. The ultimate decision for the claim decision and payment lies with the insurance companies. However, we have also agreed that they will delegate to us a certain number of activities such as helping the insured at the time of accident, explaining the process, interacting with the garages to ensure the repairs are as quick as possible, and others.
During your claim experience you will never have to interact with the insurance company. We will do that for you using our technology systems and processes. Overall, your claim experience with a policy purchased on Roojai.com will be different from a claim handled directly from the insurance company through another broker.
Of course, we believe that's for the best and work hard to make it a positive differentiation point. We hope this helps clarifying!
Happy new year to all of you!
The Roojai.com team
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2 hours ago, Kenny202 said:
Thanks for all of the information. I do plan to go ahead with Roojai but after a very responsive initial few emails I have been waiting for a response for a few days re your agents in Khon Kaen. I believe you do not have an office here in Khon Kaen and that is ok but how many agents do you have to attend the scene of an accident?
let us look into it and will be back to you shortly through email.
Thanks!
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Hi Kenny202,
Thanks for mentioning us in your post.
We don't have the full details of your quote, but most likely your 6000THB quote is with a 5000THB deductible. Your Viryah price might be without deductible.
To compare apple to apple, you can customize your quote on our quotation results page and see the price impact of removing the deductible.
At Roojai, we incentivize largely our customer to take a deductible on their policy (3000 THB or 5000 THB).
It helps us attract better drivers and avoid a certain type of customers who likes to "repair" their car every year. This saving is passed through to our customers and that's why we can be very competitive for policies with deductible.
We also believe that if everybody was taking a small deductible on their policy, people would be driving more carefully and it would help reduce the tragic rate of deaths on the road. Big ambition, but hopefully we can contribute to this objective at our level.
Hope this helps,
Roojai Team
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26 minutes ago, wgdanson said:
It doesn't work. No garages came up for Bangkok, Pattaya or Phitsanulok. Just a crying animal.
Thanks for noticing it. We will ask our technical team to fix it.
Best Regards,
Roojai.com team
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31 minutes ago, DrTuner said:
I meant the contract garages used for the repairs. Got a list of them?
Dear DrTuner, you can search the available partner garages here https://www.roojai.com/en/claim/garage/
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2 hours ago, wgdanson said:
All the claim reviews are in THai. No good on this forum. And what's the 4.2 out of.....10?
Hi wgdanson, we launched our English website only this year so most of our customers are Thai. The rating is 4.2/5, as stated in our homepage.
3 hours ago, petermik said:I,m looking for a new insurance car insurance company early February as my current one Direct Asia does not cover drivers 70 years and up,even though I,ve had insurance with them for 4 years on 3 different cars been driving accident free for nearly 50 years but it counts for nothing....does Roojai insure people of my age?
Dear petermik, May we ask you to send us a private message with your contact information for an agent to call you back?
2 hours ago, KittenKong said:I put my details through their online quote page and I got a result of about 5,500B, compared to about 9,500B with AXA.
I was impressed that they asked a lot of questions relating to how high a risk I am, and they allowed for the selection of options that would obviously be a lower risk. Brokers dont seem to generally ask these questions, and I had to ask them myself if some sort of discount was available.
I know I'm a good bet when it comes to insurance: one named driver only, voluntary high excess, dashcam, 50% no-claims bonus and 40+ years no-claim history. No dangerous driving penalties of any type (speeding etc.) for 30+years. No accidents for 40+ years. No own-fault accidents ever. Domestic travel usage only. Vehicle parked in a patrolled compound.
Presumably this is where the saving comes from? Either way, I'm quite tempted to switch.Dear KittenKong, May we ask you to send us a private message with your contact information for an agent to call you back?
I guess you still have the cached version somehow. Caching is done at the device and the server level, which means maybe your local server is not updated.
Roojai Insurance Renewal, Higher Premium For Same Coverage
in Thailand Motor Discussion
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