ThaivisaInsurance

The op specified first class insurance. Most replies have been about compulsory Third Class.

With First class the sticker is only provided as a service. If it is on the screen and you have an accident and are hurt and unable to phone the insurance agent someone can see which one to contact.

Third class no longer has to be displayed and is generally no longer issued as it is on the computer record of the vehicle.

If you are talking about the CTPL (and not the voluntary Third Class) then the policy is issued - even though it tends to be just a single sheet of paper.

SOLVED

The sticker that everyone says is no longer required nor issued was sitting at the Chonburi Toyota dealer, where they expected me to pick it up, rather than mailing it to me

Thanks for all the information

Not been required for 6 years. paying road tax is only possible if proof of valid insurance is provided to DLT, thus tax sticker indicates insurance is payed. Even if car is financed, road tax can be payed directly to DLT by showing copy of reg book, and avoiding financecompanies fee for collecting road tax. Sticker issued when tax payed

The sticker displayed here from VIRIYHA is nice to have when in accident, as phonenumber is easily available. Also reminds when Insurance expires.

I recomend to NOT keep original Insurance docs in car. If theft or fire, some difficult Insurance companies require to see original Insurance docs before paying. Keep COPY and claim form in car.

yesterday I canselled the remainer of my Insurance. 6 months left. Insurance company required original Insurance docs before issuing a refund check

The return of the original policy is standard for all insurance companies should you wish to cancel the policy - note you will not receive the 'exact' amount remaining as they will deduct an amount for cancellation.

Do you mean that the sticker that I got last year when I purchased the car was a one off thing ?

If true then I am surprised since both I and the Thai Girl asked the same question so it was not a language thing

The 'sticker' you had last year was for the Road Tax - not insurance.

We are not sure if TQM has explained to your wife what this 'low cost' insurance is and what it covers ? This type of cover is between 1st and 2nd Class and can be viewed as 2nd Class with an added 'damage to your vehicle' should you be involved in an accident with another vehicle i.e. if somebody damages your vehicle in (say) a supermarkets car park with a shopping trolly, you get nothing.

We feel what you have been quoted is rather expensive and if you get in touch with Thai Visa Brokers HERE we are sure we can offer a better rate.

We are surprised Toyota did not explain that the insurance companies do not supply a 'sticker' for the CTPL anymore. The only 'sticker' for the windscreen is the Road Tax which, if you own the vehicle, you have to purchase from your local licensing office. Again surprised they did not explain this all to you !

Sorry it is not possible just to take out 'life and injury' of the driver as (apart from they are all standard packages) the insurance is for the vehicle not the insured in Thailand.

I was asking the opposite...whether it is possible to get insurance on only the vehicle and not the driver.

Sorry no is the answer - these are standard packages and to start swapping parts in or out would end up costing you more in premiums.

Thanks for the reply. Does Thai based means office in Thailand or only applicable in Thailand. Anyway, I filled up the form that you sent the link and waiting for a reply from them.

Thanks,

When we say 'Thai based' we mean an office in Thailand

First point, Thai Visa Brokers can insure just a 'baby' but in the majority of cases the parents simply add the new born to their own policies.

There are several very good Thai based medical insurance providers. They are similar in many respects but there are a few differences and, depending on ones requirements, determines which provider one uses.

As you are both Thai Visa members you can use the full Brokerage services of Thai Visa Brokers for the best advice in determining which provider you use. Please go HERE for on-line details and quotes.

We are surprised to hear of your problems as Thai Visa Brokers uses AXA and they are highly thought of. The first stop would be your Broker to check with him for the reason of the delay.

Note : All policies usually take approx 12/14 days to arrive.

To both posters :

There are several very good Thai based medical insurance providers. They are similar in many respects but there are a few differences and, depending on ones requirements, determines which provider one uses.

As you are both Thai Visa members you can use the full Brokerage services of Thai Visa Brokers for the best advice in determining which provider you use. Please go HERE for on-line details and quotes.

.

Pretty much all health insurance policies offer the option of hospitalization only coverage or hospital plus OPD, the latter is of course more expensive. the "Hospitalization only" policies will usually cover day surgery as well.

Thanks for the useful replies. I thought there might be more though.

There must be lots of expats on private medical insdurance in Thailand. Anyone got anything more to add?

Cheers.

Well the first point is to use the services of a Broker for medical (and all) insurance. As a Thai Visa member you have access to the whole of the Brokerage service and it costs you no more !

It is obviously very difficult to try and answer your questions in an open forum as there will need to be several 'personal' questions asked. However there are sevearl insurance companies who will be suitable for you and the family e.g. AXA, BUPA, Thaivivat, LMG etc etc.

May we suggest as members of Thai Visa you use the Thai Visa Brokerage service which is on-line and can offer the most suitable plan from all the available plans here in Thailand ? Initially please go HERE

I have just looked and the form is rather confusing for me, all I want is if I fall sick or have an accident in Thailand I can go to a hospital without any worries, also maybe some life insurance as I now have a baby on the way. Can you offer me any advice via here or pm what sections I need to fill out?

Cheers

Most happy to offer advice after asking a few personal questions. Please feel free to PM to Thai Visa Insurance and we shall respond with the various solutions.

There is no simple way of answering your question of premiums without knowing your personal information and needs. There are several 'levels' of cover from many insurance companies i.e. should you want to use the Private/International hospitals in Thailand then one needs the cover of 'Premium' but if one is happy with the Government type of hospitals then the 'Basic' cover is sufficient.

As a Thai Visa member you can use the services of the Thai Visa Brokerage for information and quotes by going HERE

I hope their insurance covers them for racing

The reason that 60 is mentioned so often is because that is usually the age for most companies to require a medical exam together with the application. Many people at that age are living very happily not having medical check-ups for many years and thinking all is well - however when the check-up is done they may find problems and it is that which will go against them in the application.

You mentioned the age of 65 and not being able to start medical insurance - that is not quite true however it obviously get's more difficult. Thai Visa Brokers do have 'Senior' plans available but obviously they will not be cheap as one knows there will be claims (some large) in a relatively short period of time.

Your case : as you have only just turned 59 and will be out here in a year, we would suggest 2 or 3 months before your 60th you start the application process in order to get in "under the wire" before the underwriting criteria starts to get more difficult.

Thanks. I will certainly keep that in mind.

Cheers.

When you are ready you can get the details of all the plans available, and on-line quotes, by going HERE

The reason that 60 is mentioned so often is because that is usually the age for most companies to require a medical exam together with the application. Many people at that age are living very happily not having medical check-ups for many years and thinking all is well - however when the check-up is done they may find problems and it is that which will go against them in the application.

You mentioned the age of 65 and not being able to start medical insurance - that is not quite true however it obviously get's more difficult. Thai Visa Brokers do have 'Senior' plans available but obviously they will not be cheap as one knows there will be claims (some large) in a relatively short period of time.

Your case : as you have only just turned 59 and will be out here in a year, we would suggest 2 or 3 months before your 60th you start the application process in order to get in "under the wire" before the underwriting criteria starts to get more difficult.

Unfortunately for your 'friend' he was ignorant of the fact that the CTPL does not have 3rd Party damage. He is not the only foreigner (and Thai) who drives around on/in vehicles with only the basic 'Government' insurance which we try and tell the Thai Visa members is basically worthless - do at least buy the voluntary 3rd Class which does cover 3rd Parties (and also has a Bail Bond included) and is very cheap.

Claiming on CTPL : should you be in an accident (and the CTPL is all you have) then 'yes' there would be a claim by the injured parties and 'yes' it does pay out.

Should one be in an accident then the first thing you do is call your insurance company - they will come to the scene and sort out which insurance (CTPL/Voluntary) pays what - you do not have to get involved in that.

As you are a member of Thai Visa, you can use the services of the Thai Visa Insurance Brokerage. They have several offices around Thailand and will be happy to talk to your family to find out the most suitable plans for them.

For details and an 'on-line' quotation please go HERE

As a member of Thai Visa you can use the services of Thai Visa Brokers. For details and an on-line quote please go HERE

The simple answer is yes - depending on the insurance company you either agree to that when you accept and sign the insurance companies proposal or they may ask you to sign a form at some later stage.

As you said, extremely stupid to lie on an application form as you are only deceiving yourself.

As a member of Thai Visa you can use the Thai Visa insurance Broker service who have access to all the insurance companies.

For details and an 'on-line' quote please go HERE

Thanks....I may contact the finance to get a copy of blue book.

Thanks for reply....I don't have any Blue Book....as I got this car on finance by SCB, I only have insurance paper/a copy of finance from SCB bank / stickers pasted on front screen.

I have Toyota Vios "E"....how much do I need to pay as tax.

Viriyha Insurance can be purchased from company itself, or through broker like Toyota dealer or Thaivisainsurancedotcom. Be aware of common scams from showroom sales staff collecting your money, but never buy Insurance for you. Price differ, depending on car. even a small claim, you v lost next years No Claim Bonus 20%. NCB follows car. Your contract with Finance probably require you to keep car 1st class insured

Tax, Invoice should be recieved from Financecompany a few weeks prior to due, and payed to them. If not bring copy blue book to DLT, pay and recieve window sticker there. A small car is like 700 baht, 4door 3,0 is 6800 baht. Proof of compulsory Insurance is needed to pay/recieve tax sticker

tax is approx 700 baht for Vios

I would contact Finance to pay tax and get a copy of blue book, as a copy in car is required by law

As a Thai Visa member can we suggest you go HERE for an on-line quote to compare with your present insurer ?

Hi, Y'all...

The auto insurance is due for renewal... FIRST time I bought auto insurance was connected to the second-hand dealer where I bought the car... and I think the price was WAY too high... I think it was like 24,000 Baht, for the 2002 Nissan Cifero Executive sedan I had just bought, for 420,000 Baht... But I was under time pressure and other constraints at the time, so I "went with it", but never felt right about it....

2002 Nissan Cifero Executive

Purchased a year ago for 420,000 Baht

Now 197,000 km on it

spent another 200,000 Baht getting everything fixed and running properly

Parked in covered / secured spot at condo, in Bang Mod, Bangkok

Travel to Issan and other far distances in Thailand, maybe 6 times a year.

My Thai partner also drives... (does the majority of driving, nowadays) and he's an excellent driver, although a smidge too aggressive for my comfort... 555 "Not SO CLOSE!!" being my daily mantra I share with him...

My coworker recommended "LMG Insurance".

Anyone have feedback on that, or other recommendations?

Thanks!

Pawpcorn

Must agree the premium does seem high but again, until we see the full coverage nobody can tell. Please go HERE and complete the details and we can give you an on-line quote. Would help if you emailed a copy of your present insurance policy.

LMG : this is one of the approved insurance companies Thai Visa Brokers deals with.

Thank you for the insight

I know paper might be obsolete but, you know, old school (although I am quite happy not tohave to think about taking my airplane ticket with me when I fly)

As for the options offered by Travel insurances....let's not dream. 5,000 for a pair of lost luggage , it sounds like a joke to me when you now that the smallest one of my bags is ten times this price (nothing to do with this insurance in particular and talking about travel insurance)

As for the other options they are well covered by the credit card (of course depending on the type one is using)

This being said I appreciate the Thai visa plans as one can choose between different plans , as is not forced into buying futile options

If you look at Plan A you should find the amount is 60,000 Baht for "Damage or loss of Personal Baggage" ?