I've been insuring with Viriyai for a number of years. Never submitted a claim, i pay for repairs, eg in 2021, when a motor bike hit the car. I bought my 2014 Ford Escape for 550,000 baht, in 2017. The company has the insured value at 400,000 baht, for 2020, 2021 and 2022;. This valuation is now overvalued, according to the market (and the Red book, if I could access it). Ins. is Comp. type 1. Premium was 16,900 in 2020 and 14,450 in 2021. This year's renewal will cost 14,250. My question is - can I insist that they reduce the value of the car to say 300,000 baht?. The agent simply cannot understand why I want to do that. He says Viriyai has given me all the discounts they can give (whatever that means). Surely I can insure the car for what it is worth?