class 1 insurance

[Joinaman]

฿ 9,943/year

hi there

never had to get insurance before so not sure what is good and what is not

have found this quote online and was wondering if this seems ok ?

If not, what figures am i best looking for and any ideas from who to get quotes from

The car is a Nissan Almera 1.2 , 2016

Thanks 

---

1 /Garage

Class

200,000

Own Damage

200,000

Fire and Theft

5,000

Deductible

1,000,000

Death or Dismemberment / Person

10,000,000

Death or Dismemberment / Time

2,500,000

Public Liability

100,000

Personal Accident

100,000

Medical Expenses

300,000

Bail Bond

[petermik]

Try DirectAsia.com

 

[Joinaman]

that was quick

thanks, will look now

[observer90210]

Which company is this ?

Edited May 30, 2018 by observer90210

[Joinaman]

 MSIG

[Joinaman]

just got quote from Direct Asia

 

Type 1 

 Best Price Guaranteed for safe drivers 
 Fix at any garage of your choice nationwide with "My Workshop" 
 Deductible of ฿5,000 (choice to reduce to ฿3,000 or ฿0 on the next page) 
 Sum insured is ฿350,000 
 0% instalments over 10 months 
 Pay simply by credit card online or at 7-Eleven nationwide 
 

See full coverage details

Compulsory 

 Death & Dismemberment or Permanent disability –up to ฿5,000,000 
 Bodily Injury or Affecting health –up to ฿80,000 

Type 1 

 Third party property damage-up to ฿5,000,000 
 Excess third party bodily injury-up to ฿10,000,000 
 Own Damage (Self Accident, Collision, Fire and Theft & Natural Disaster) –up to ฿350,000 
 24 Hour accident towing-up to 20% of repair costs 
 Windscreen/window breakage -up to ฿350,000 
 Medical expenses-up to ฿100,000 
 Personal accident (Permanent Disability for Driver)–up to ฿100,000 
 Personal accident (Permanent Disability for Passenger)–up to ฿100,000 
 Bail bond-up to ฿50,000 

 

But both quotes only pay up to 350,000 and medical to 100,00 Is this adequate ?

I would have though a like for like replacement cost for the car and a higher medical for a bad accident and care

Is it possible to adjust to higher values >

 

[cooked]

They all look good on paper. Most people around here seem to use Virunja. 

We claimed insurance twice and got service which is important when your car is out of use.

[petermik]

7 hours ago, cooked said:

They all look good on paper. Most people around here seem to use Virunja. 

 

Never heard of them.....check again

[colinneil]

19 hours ago, Joinaman said:

 MSIG

MSIG good company,  i do not have vehicle insurance with them, but house insurance.

Got house insurance with them, 5 days into the policy we had a serious storm, roof damage, put in a claim.

Claim was paid in full no problems what so ever ,nobody came, they accepted my photos as proof of damage.

Edited May 31, 2018 by colinneil

[cooked]

15 minutes ago, petermik said:

Never heard of them.....check again

Sorry mate, that's Viriya.

I did say 'around here', I'm sure that it depends on the local representation at the time.

[petermik]

7 hours ago, cooked said:

Sorry mate, that's Viriya.

I did say 'around here', I'm sure that it depends on the local representation at the time.

He maybe better with AXA,cheaper premiums and free breakdown/recovery

[cooked]

1 minute ago, petermik said:

He maybe better with AXA,cheaper premiums and free breakdown/recovery

Dam'it. it depends on the local office. all insurance does in Thailand. Viriya might be the best in Buriram but the pits in Chiang Mai. Ask your neighbours.

[JAS21]

On 5/30/2018 at 5:28 PM, Joinaman said:

just got quote from Direct Asia

 

Type 1 

 Best Price Guaranteed for safe drivers 
 Fix at any garage of your choice nationwide with "My Workshop" 
 Deductible of ฿5,000 (choice to reduce to ฿3,000 or ฿0 on the next page) 
 Sum insured is ฿350,000 
 0% instalments over 10 months 
 Pay simply by credit card online or at 7-Eleven nationwide 
 

See full coverage details

Compulsory 

 Death & Dismemberment or Permanent disability –up to ฿5,000,000 
 Bodily Injury or Affecting health –up to ฿80,000 

Type 1 

 Third party property damage-up to ฿5,000,000 
 Excess third party bodily injury-up to ฿10,000,000 
 Own Damage (Self Accident, Collision, Fire and Theft & Natural Disaster) –up to ฿350,000 
 24 Hour accident towing-up to 20% of repair costs 
 Windscreen/window breakage -up to ฿350,000 
 Medical expenses-up to ฿100,000 
 Personal accident (Permanent Disability for Driver)–up to ฿100,000 
 Personal accident (Permanent Disability for Passenger)–up to ฿100,000 
 Bail bond-up to ฿50,000 

 

But both quotes only pay up to 350,000 and medical to 100,00 Is this adequate ?

I would have though a like for like replacement cost for the car and a higher medical for a bad accident and care

Is it possible to adjust to higher values >

 

All our cars are with Bangkok Insurance.

 

I suggest that you have the 1M limit liability for bodily injury or death with max of 10M each accident ... this is in excess to the CTPL Limit

5M for third Party Claim ... if you do don't hit a Merc as you will be paying the excess claim

Bail Bond I think that should be 300K ours is

Loss of Life, bits cut off or permanent disability 200K for driver and 200K each for up to 6 passenges

Medical expenses 100K each

 

On a 2016 car best to go for dealer repair/new parts rather that any old repair shop.

 

If you have named drivers you will get quite a discount and you will also get a discount for having a Car Cam

 

I can give you the details of our agent if you can't find one yourself ...

 

Edited May 31, 2018 by JAS21