Good insurance for older cars

[w5phot]

I have an old S class coupe (2014) and I want an insurance policy that can repair at the dealership (ซ่อมห้าง). I can only find insurance that is repair at the garage (ซ่อมอู่) because of my car age. Is there insurance you can recommend to repair at the dealership?

 

Thanks in advance

[Kwasaki]

2014 is not old so no problem with insurance. 

[w5phot]

25 minutes ago, Kwasaki said:

2014 is not old so no problem with insurance. 

 

Which insurance is no probleM? Viryah and AXA said the cut off for ซ่อมห้าง insurance is 5 yr.

[connda]

21 minutes ago, w5phot said:

I have an old S class coupe (2014) and I want an insurance policy that can repair at the dealership (ซ่อมห้าง). I can only find insurance that is repair at the garage (ซ่อมอู่) because of my car age. Is there insurance you can recommend to repair at the dealership?

I do not think that is available for vehicles over 5 years after the manufacturing date.  This year my insurer said "Mai Dai" for repair on my car at the dealership as it's over 5 years.
I also think that it's based on the manufacturing date (although not 100% sure) as opposed to the purchase date.  Which may be a good reason to check when the car came off of the assembly line.  But like I said - not 100% sure on that. 

However, on the other side of the issue - how many dealerships offer body-work?
I'd think that they contract that out to a body-shop.  So find out where they send cars for body work and offer the shop to make up the difference out-of-pocket to use OEM parts - if it's your fault.

Of course, when some Thai driver smashes into you (a more likely scenario) and they have neither license or insurance?  In my mind that is a much more problematic issues here in the Land Of Road Carnage.
In the USA you could buy insurance that covers you for drivers/cors that are uninsured or under-insured.  I'm not sure they have that level of coverage here in Thailand. Why would they - it's a underwriter's risk in spades.  So you're more pressing issue would be getting your car repaired when a Thai drivers does what Thai drivers do: Run red lights, drive the wrong way on the highway, drive aggressively, misjudge and hit you, completely fail to yield right-of-way, pull out of a side road without looking - like about 80% of most motorcyclists?  What insurance do these people have above the mandatory 50K THB personal injury require to register their vehicle ------- IF they register their vehicles (honestly...in most of rural Thailand who needs a license or vehicle registration no less insurance.  If you don't drive during Songkran, Loi Kraton, or New Years?  Really, that is the only times of year where villages put cops at village 'road blocks' and even then they generally don't check vehicles except in the evening.   So??? <laughs and laughs and laughs) 
Then your problem isn't getting your vehicle repaired with OEM part, but getting your vehicle repair at all without you paying for it all while Somchai/Sompuuying tries to get you to pay for the damage they caused to your vehicle as well as theirs - Rich Farang! 

 

[Kwasaki]

34 minutes ago, w5phot said:

 

Which insurance is no probleM? Viryah and AXA said the cut off for ซ่อมห้าง insurance is 5 yr.

I insure with Roojai. 

Dealerships are not important IMHO.

 

Don't know of dealerships that don't use independent Thai bodywork workshops for repairs. 

 

There are Thai garages also that can carry out servicing and engine repairs on all cars. 

[w5phot]

11 minutes ago, connda said:

I do not think that is available for vehicles over 5 years after the manufacturing date.  This year my insurer said "Mai Dai" for repair on my car at the dealership as it's over 5 years.
I also think that it's based on the manufacturing date (although not 100% sure) as opposed to the purchase date.  Which may be a good reason to check when the car came off of the assembly line.  But like I said - not 100% sure on that. 

However, on the other side of the issue - how many dealerships offer body-work?
I'd think that they contract that out to a body-shop.  So find out where they send cars for body work and offer the shop to make up the difference out-of-pocket to use OEM parts - if it's your fault.

Of course, when some Thai driver smashes into you (a more likely scenario) and they have neither license or insurance?  In my mind that is a much more problematic issues here in the Land Of Road Carnage.
In the USA you could buy insurance that covers you for drivers/cors that are uninsured or under-insured.  I'm not sure they have that level of coverage here in Thailand. Why would they - it's a underwriter's risk in spades.  So you're more pressing issue would be getting your car repaired when a Thai drivers does what Thai drivers do: Run red lights, drive the wrong way on the highway, drive aggressively, misjudge and hit you, completely fail to yield right-of-way, pull out of a side road without looking - like about 80% of most motorcyclists?  What insurance do these people have above the mandatory 50K THB personal injury require to register their vehicle ------- IF they register their vehicles (honestly...in most of rural Thailand who needs a license or vehicle registration no less insurance.  If you don't drive during Songkran, Loi Kraton, or New Years?  Really, that is the only times of year where villages put cops at village 'road blocks' and even then they generally don't check vehicles except in the evening.   So??? <laughs and laughs and laughs) 
Then your problem isn't getting your vehicle repaired with OEM part, but getting your vehicle repair at all without you paying for it all while Somchai/Sompuuying tries to get you to pay for the damage they caused to your vehicle as well as theirs - Rich Farang! 

 

 

I do not think that is available for vehicles over 5 years after the manufacturing date.  This year my insurer said "Mai Dai" for repair on my car at the dealership as it's over 5 years.

 

I was afraid of that. My insurance told me the same, I thought maybe some other company offers it.

 

I've only been hit once and it was by a shiny new BMW 7 series. It was his fault and we were both insured first class but I still have to pay for most of my repair costs myself because I only have ซ่อมอู่ insurance. ☹️

 

I'd think that they contract that out to a body-shop.  So find out where they send cars for body work and offer the shop to make up the difference out-of-pocket to use OEM parts - if it's your fault.

 

That's a brilliant idea! I will try that in the future.