Car "first class insurance"

[BigFa]

Hello

 

I am going to rent a car from a local shop in phuket. I am trying to figure what the insurance provided will cover and they replied "1st class insurance"

 

I dont understand what that means, is this an insurance company name or an insurance level? 

 

Thanks

 

[digbeth]

1st class is  a class of insurance, for usually everything, first party (your own) damage, second party (the other car), third party injuries, fire and theft) some might have a conditions that there is an 'excess' payable (usually few thousands baht) to claim in case of faults, no other party, ie hit a wall) 

 

but if you rent from a shop, not an actual car rental company, the insurance might not cover rental use, so in an accident they'll ask that you 'borrowed' the car from a friend or never mention that you rented the car

[Crossy]

This ^^^.

 

But do ask to see the insurance certificate (and carry a copy, you will need it if you have a shunt) and verify that it covers the vehicle for the purpose of hire (I'll put money on the result of that).

  

[KhunLA]

Also make sure it has a -0- deductible, or option to purchase.

[steve187]

thread here to explain class 120 insurance for hire cars - 

 

[richard_smith237]

9 hours ago, BigFa said:

Hello

 

I am going to rent a car from a local shop in phuket. I am trying to figure what the insurance provided will cover and they replied "1st class insurance"

 

I dont understand what that means, is this an insurance company name or an insurance level? 

 

Thanks

 

 

As per the excellent responses from digbeth and steve187 (particularly with the linked thread). 

 

IF the 'rental company' replied with 1st Class Insurance, then the car is not covered for rental.

 

1st Class Insurance is fully comprehensive insurance for private vehicles.

 

Thus: Protect yourself and go with a known company or a company who can offer the correct 'Type 120 rental insurance' (as per the linked thread above).

 

 

[BigFa]

Thank all for the answer. More clear now. I'll ask to see the insurance contract

[The Theory]

3 hours ago, BigFa said:

Thank all for the answer. More clear now. I'll ask to see the insurance contract

The rental car must have "rental car insurance"