AA Insurance

Hi TopT, Thanks for your comment, much appreciated. It’s always good to clarify these points for the benefit of the wider community. If you’d ever like to chat offline or grab a coffee with one of our Directors at one of our branches, I’m sure we could arrange that and I know they’d be more than happy to host you and discuss these topics further. To clarify: AA Insurance Brokers in Thailand is fully licensed and works with a wide range of Thai-based insurers. Our parent company, Alliance Group, operates internationally and works with insurers around the world. In fact, in 2024 alone, 89 insurers globally received new business from Alliance Group. There is no connection between AA Thailand and Regency. The only connections brokers have with any insurers, whether through AA Thailand or AA World, are purely professional: broker > insurer relationships. This ensures loyalty remains with a brokers' clients, not insurers, particularly when it comes to supporting clients in the event of a dispute and that fundamentally is a brokers' core role : what is in your best interests, not theirs or the insurers'. If you’d like to learn more about our group’s international operations, feel free to visit here: https://www.welcometoalliance.com/social-responsibility/news/alliance-group-expands-global-footprint Or drop us a line directly anytime via www.aainsure.net, we’re always happy to hear from you. Thanks again for raising this. It’s always good to clear up any confusion, and we’re happy to answer questions openly.

Hi Martin, Thank you ever so much for the question, it's a good one! The Bail Bond (BB) limit on a Thai insurance policy is not strictly determined by claims history, NCB, or driving record. Instead, insurers apply their own actuarial modelling, which often factor in the type of vehicle, perceived likelihood of an incident requiring bail, and their specific overall portfolio performance across similar risks. Motorbikes often attract higher scrutiny from police and carry a higher perceived risk of serious incidents (accidents involving injury, fatality, or alcohol, for example). This is regardless of your personal history. Therefore, insurers often apply a higher BB limit automatically to motorbikes rather than cars, due to portfolio experience and that can evolve and change over time and any prevailing legal or regulatory notes on this can also have a bearing. I hope this helps, but what we'll do as well, as you mentioned MSIG, is reach out to them (we won't disclose your name/ID to them) to get their written response to this too. We are one of their larger brokers so I am sure they will help us out with their specific insights.

Hello! Peter is indeed still with us and is a key part of the team. His original vision of providing great advice with a customer-centric focus is one that continues even today and has been passed down through the generations. Thank you for your kind message, I will ensure Peter sees this.

We’re delighted to introduce ourselves to the Asean Now community as an expert insurance information service here to help you. We’re not here to hard-sell. We’re here to answer your questions - whether or not you’re a client of ours. Our advice will always be free, impartial, and focused on what’s genuinely in your best interests. AA Insurance Brokers has been supporting the expat and local community in Thailand for over 20 years. While our core business is helping individuals and businesses with their insurance needs, our role here is not to sell - it’s to serve. Our goals are simple: 1. Help people navigate the often confusing world of insurance in Thailand 2. Share knowledge openly to benefit the wider community 3. Clarify misunderstandings about policies, processes, and providers 4. Foster constructive discussion, free from scare tactics or misinformation If you’re unsure about an insurance term, wondering how a claim works, or just want to verify something you’ve heard - feel free to post. We’ll do our best to help. Thanks to Asean Now for entrusting us with this responsibility. We look forward to contributing positively to this great community and hope the information we share helps you all. AA Insurance Brokers | www.aainsure.net Trusted. Established. Independent.