ICE vs EV, the debate thread

[JBChiangRai]

14 hours ago, khunphil said:

Sorry, bad English, I was asking for insurance premieum, I found it. 15K for Mazda 2 and 35K for BYD Dolphin.
Thanks for information anyway, useful.

 

12 hours ago, vinny41 said:

Figures posted here for Dolphin show between B29.5K - B32.5K

Own damage I haven't see that before range from B280K-B370K

https://www.facebook.com/photo/?fbid=10235973144133949&set=gm.507424338812088&idorvanity=152147804339745

EV claims surge - insurance losses, expensive spare parts - Viriyah leads the team to 'raise premiums'. https://www.prachachat.net/finance/news-1792487

There are some insurance companies  coming out with a new type of policy EV2+ where in the majority of cases they wouldn't cover the costs of repair to your own vehicle unless its fire,theft or has been in an accident

 

Roojai just quoted me 9,682 with insured value of 384,000 for 2 year old  car.  Pretty reasonable.

 

@vinny41 you should really try to be less obviously biased.

[vinny41]

1 minute ago, JBChiangRai said:

 

 

Roojai just quoted me 9,682 with insured value of 384,000 for 2 year old  car.  Pretty reasonable.

I assume that is for the MG4  that you own

[JBChiangRai]

10 minutes ago, vinny41 said:

I assume that is for the MG4  that you own

 

No, that was for a BYD Dolphin standard range.

[vinny41]

13 minutes ago, JBChiangRai said:

 

 

Roojai just quoted me 9,682 with insured value of 384,000 for 2 year old  car.  Pretty reasonable.

 

@vinny41 you should really try to be less obviously biased.

Not biased as you can see I provided photo from Byd Dolphin facebook group and article from .prachachat.net/finance/

as stated some insurance companies have started a new type of policy called EV2+ which seems similar to third party fire and theft policy if you are from the UK

Roojai are offering this type of policy and they state average quotes range from B3,480 to B7,217

https://www.roojai.com/en/car-insurance/type2plus/

 

[KhunLA]

15 hours ago, vinny41 said:

Figures posted here for Dolphin show between B29.5K - B32.5K

Own damage I haven't see that before range from B280K-B370K

https://www.facebook.com/photo/?fbid=10235973144133949&set=gm.507424338812088&idorvanity=152147804339745

EV claims surge - insurance losses, expensive spare parts - Viriyah leads the team to 'raise premiums'. https://www.prachachat.net/finance/news-1792487

There are some insurance companies  coming out with a new type of policy EV2+ where in the majority of cases they wouldn't cover the costs of repair to your own vehicle unless its fire,theft or has been in an accident

You'd have to be an idiot to pay more thatn 10k-15k baht to insure any standard car in TH, whether ICEV. hybrid or BEV.

 

As I posted, 1 yr old BYD Dolphin for retired safe driver is <10k a year.

 

[UWEB]

4 hours ago, KhunLA said:

You'd have to be an idiot to pay more thatn 10k-15k baht to insure any standard car in TH, whether ICEV. hybrid or BEV.

 

As I posted, 1 yr old BYD Dolphin for retired safe driver is <10k a year.

 

What do you get for this price? Have renewed my Tier 1 Insurance for my Seal with a coverage of 1.050.000 THB and 100% Battery replacement in case of damage from an Accident for a price of 32.600 THB. But I don't think I'm an Idiot.

[KhunLA]

14 minutes ago, UWEB said:

What do you get for this price? Have renewed my Tier 1 Insurance for my Seal with a coverage of 1.050.000 THB and 100% Battery replacement in case of damage from an Accident for a price of 32.600 THB. But I don't think I'm an Idiot.

1 yr old Dolphin won't be worth 1M, so what ever the total loss value is, and if repair matches or exceed, then you'll get what the issued value is.   They are all fairly, or has been my experience.  Didn't ask what top pay out, insured value would be, as don't care.

 

When shopping for our insurance, 2nd & 3rd year coverage, they were the cheapest, and coverage about the same as vendors wanting 22k & 25k.

 

You can pay more for insurance, but you don't have to.  As I mention, Roojai were excellent for our small oops (MG ZS EV @ ฿250k repair bill), and repair done at MG dealer.

 

I would consider myself an idiot, if I paid 32.6k for insurance, when I could have paid 10k, but I didn't shop around.

 

Now you know, so might want to check their rate when renewing.  

 

You're Welcome 

[UWEB]

10 minutes ago, KhunLA said:

1 yr old Dolphin won't be worth 1M, so what ever the total loss value is, and if repair matches or exceed, then you'll get what the issued value is.   They are all fairly, or has been my experience.  Didn't ask what top pay out, insured value would be, as don't care.

 

When shopping for our insurance, 2nd & 3rd year coverage, they were the cheapest, and coverage about the same as vendors wanting 22k & 25k.

 

You can pay more for insurance, but you don't have to.  As I mention, Roojai were excellent for our small oops (MG ZS EV @ ฿250k repair bill), and repair done at MG dealer.

 

I would consider myself an idiot, if I paid 32.6k for insurance, when I could have paid 10k, but I didn't shop around.

 

Now you know, so might want to check their rate when renewing.  

 

You're Welcome 

Why not just get the Government Insurance, cost some few hundred THB only.

[KhunLA]

8 minutes ago, UWEB said:

Why not just get the Government Insurance, cost some few hundred THB only.

Then I would have had to pay 250k out of pocket for that little oops, which was my fault.   The little oops, made having auto insurance in TH worth it, as over 20+ years, that probably what auto insurance cost me.  Most times <10k a year, many times 10-13k a year.   Call that a savings plan, for when I have an oops.

 

One of my pet peeves, auto insurance, and rarely had it in the USA, and never needed it.   Here, TH, it's a bit different, as people are suicidal, and good to have, if someone decides to commit suicide with your vehicle ... or, if you're an airhead, and pull out in front of someone, too slow ... oops 🙄

 

I do have just the mandatory govt ins on the motorbike.  Don't drive that fast enough to get in much trouble.

[JBChiangRai]

48 minutes ago, UWEB said:

What do you get for this price? Have renewed my Tier 1 Insurance for my Seal with a coverage of 1.050.000 THB and 100% Battery replacement in case of damage from an Accident for a price of 32.600 THB. But I don't think I'm an Idiot.

 

Roojai will cover Seal Dynamic & Premium models with drivers 25 and over quite reasonably (circa 12-15k)

 

I paid 30,000 to Viriyah for Seal Performance, Roojai won't cover this model.

[UWEB]

5 minutes ago, JBChiangRai said:

 

Roojai will cover Seal Dynamic & Premium models with drivers 25 and over quite reasonably (circa 12-15k)

 

I paid 30,000 to Viriyah for Seal Performance, Roojai won't cover this model.

I used Viriyah for my Seal Performance, for me best value for money after reviewing six different quotes.

[vinny41]

Recent article published by Roojai 8th January 2025

Few manufacturers and repair options, expensive spare parts

Currently, the electric car market in Thailand is still concentrated in the hands of a few manufacturers, and most of them are new manufacturers from China.

And one of the big problems that many people don't directly come from the electrical system, but many people don't want it to happen, is "accidents" because the cost of repairing spare parts for EVs is quite high and will increase even more. According to Gartner, the world's leading research and consulting company, it is predicted that by 2027, the average cost of repairing EV bodies and batteries in serious accidents will increase by 30%.

https://www.roojai.com/article/car-news/ev-car-problems-review/

Personally I thought the average cost of repairing EV's would be decreasing not increasing

 

Review of 5 EV problems that only real users know!view of 5 EV problems that only real users know!

Review of 5 EV problems that only real users know!

[vinny41]

43 minutes ago, UWEB said:

I used Viriyah for my Seal Performance, for me best value for money after reviewing six different quotes.

Here is a comparison site reviewing 4 insurance companies comparing quotes for Byd seal in November 2024

turn on subtitles and select auto translate to English

they stated best quote was Viriyah with capital amount of B920,000 and  insurance premium of B32,000

It would appear your deal is better as you get an extra capital amount of B130,000 over what they were quoted

 

[JBChiangRai]

UK EV market share still growing strongly in a depressed market.

 

Uptake of pure battery electric new cars grew by 8.1 per cent in April, reaching a market share of 20.4 per cent, up from 16.9 per cent a year earlier.

 

 

Dan Caesar, chief executive of lobby group Electric Vehicles UK, said: “Month after month at least one in five new car buyers are now going battery electric.

“As the industry demonstrates that battery electric vehicles are the cheaper and better option, more and more end-users will opt for all-electric vehicles.”

 

The reasons why new car sales across UK dropped