For foreigners living in Thailand and looking for comprehensive car insurance that provides full coverage at an affordable price, there are many options to get discounts on car insurance premiums and you might not have known about that before. Some conditions can be used yearly to reduce your car insurance premiums. If you are interested, let’s follow along and understand more details.

How many types of car insurance discounts are there?

 

How do you buy car insurance to get the best price for insurance premiums? Here are 5 types of car insurance discounts that most motor insurance companies in Thailand will consider. Let’s get to know all 5 discounts as follows:

1. No Claim Bonus (NCB)

A No Claim Bonus (NCB) is a discount for cars that have never reported an insurance claim for car repairs or been notified to change parts and never claimed any damages throughout the policy period. This discount also applies if you are not at fault in car collisions. Motor insurance companies offer a “No Claim Bonus” (NCB) as a reward for the insured who didn’t make any insurance claims in the previous year of the insurance policy.
The discount applied will be as follows:

• 20% discount on insurance premium renewal for 1 claim-free year

• 30% discount on insurance premium renewal for 2 claim-free years

• 40% discount on insurance premium renewal for 3 claim-free years

• 50% discount on insurance premium renewal for 4 claim-free years

2. Named driver discount

This type of discount is suitable for a car used by a family. The discount calculates the risk of driving based on the driver’s age. Motor insurance companies usually consider the driver’s experience. Careful driving according to age will result in lower car insurance prices. You can specify up to 4 named drivers for general car insurance and up to 5 named drivers for electric car insurance. A vehicle only driven by specific drivers, gives the insurance company more data points to calculate risk, compared to a car insurance policy covering any driver.

3. Group insurance discount

This discount is applicable if you apply for motor insurance for 3 or more cars at the same time. If they are rental cars (under a hire-purchase contract) between the buyer and the car sales company, with financial institutions acting as intermediaries, there must be a renter who will receive a 10% discount on the insurance premium for each vehicle. If you do not notify or renew car insurance for 3 cars at the same time, you will receive a discount only for the 3rd and subsequent cars. Moreover, if it is your own car, your spouse’s, your father’s, your mother’s, your child’s, or a blood sibling’s, the company may give a discount of up to 10%.

4. Dashcam discount

If you have a dash camera for your car. You can get a maximum discount of 5-10% of the net insurance premium. According to the announcement of the Office of Insurance Commission (OIC), each company has different details and conditions for requesting the discount. For Roojai you can get a dashcam discount of up to 10% and get a free car insurance quote for your affordable, reliable voluntary car insurance in Thailand.

Dashcam discounts can be used with all types of voluntary car insurance at Roojai. There are no specified specifications such as the brand or model of the car camera in any way.

5. Special discounts and add-on services from an insurance broker

Another way to find valuable “discounts” is through brokers. They can provide comprehensive car insurance in the market. You can easily compare motor insurance online from leading insurance brokers and get your quote showing the discount in a few minutes, including the total insurance premiums, immediately. This kind of discount is special and depends on the insurance broker. The more competition there is, the higher the discount you will receive for your car insurance policy. Therefore, finding a discount from the insurance broker is an option you can’t overlook. Here are some examples:

• First-time customer discount at a new brokerage, given to cars that had been insured with other motor insurance companies or brokers before. Even if you have a claim history, it’s not a big deal.

• Commission discounts that the broker will receive from the insurance company if they successfully find new customers. This allows you to receive a discount and cheaper premiums than buying directly from the insurance company.

• Various special privileges or e-voucher rewards, such as shopping codes, gas e-vouchers, and others, with values ranging from hundreds to thousands of baht. In addition, if you buy other insurance as well, you may also negotiate for additional discounts.

There are many discount options for car insurance. These will help you adjust your financial plan and save money from unexpected situations. If you are looking for the best online comprehensive car insurance in Thailand, with 1,600+ car repair garage networks nationwide, seamless video car inspection, and online insurance claims via mobile app.

 

Please find more details of car insurance at Roojai.

 

 

Press Release

I have used Roojai for years.

 

I have never seen them give me a no claims discount.  I have never had a claim on any of my multiple vehicles for many years.

 

The named driver discount risks them immediately saying they don't want to cover a car. We had to go elsewhere for my daughter.

 

I would like to see some kind of loyalty back from Roojai.  I have a new BYD Seal Performance, Roojai won't cover it despite the fact I've had zero claims with them for many years and on all my new cars with a free first year insurance.

 

I think they also stop covering for 70+ year olds.

 

Please. let's have some loyalty back to your loyal customers.

 

 

The line they used for me was my premium went up exactly the amount as the discount, each year. I asked why? They said because the parts cost more every year so they had to boost my premium, even though I made no claims.

cheapest insurance and very good outside service is asia direct. its cheap bcs direct insurance and no broker fees

service quick when have accident ( paty/bkk ) and sure i think the rest too

 

price for  car 10yr 300000 value 5000 excess , 2 drivers and full discount on accidentfree7

cost 5000 thb year

other

price of car 1yr  1,0 mb vlaue excess5000, 2 driversand full discount 13500

The original post could have been lifted from a typical UK insurer, but most Thai insurers do not provide these, just the dashcam discount. Pretty rubbish original post.

I have had no problems with my insurance with Roojai when I had to make a claim they were much better than any car insurers in the Uk.

On 8/7/2024 at 10:29 AM, JBChiangRai said:

I have used Roojai for years.

 

I have never seen them give me a no claims discount.  I have never had a claim on any of my multiple vehicles for many years.

 

The named driver discount risks them immediately saying they don't want to cover a car. We had to go elsewhere for my daughter.

 

I would like to see some kind of loyalty back from Roojai.  I have a new BYD Seal Performance, Roojai won't cover it despite the fact I've had zero claims with them for many years and on all my new cars with a free first year insurance.

 

I think they also stop covering for 70+ year olds.

 

Please. let's have some loyalty back to your loyal customers.

 

 

No, I am 72 and have just signed a new insurance contract with Roojai

On 8/7/2024 at 10:29 AM, JBChiangRai said:

I have a new BYD Seal Performance, Roojai won't cover it despite the fact I've had zero claims with them for many years and on all my new cars with a free first year insurance.

 

Ok, so this is an old thread, but I've just seen it and its still relevant. 

 

Did Roojai reject the cover because the car is an EV and there is a greater interpreted risk of a higher payout if involved in a small bump and damaging the battery ????  something similar ?

 

 

It could also be argued that many EV's have better driver aids and are thus less likely to be involved in an incident - but thats quite subjective.

 

Roojai  cover the seal dynamic and premium models, but they will not cover the performance model.

On 8/7/2024 at 10:29 AM, JBChiangRai said:

I have used Roojai for years.

 

I have never seen them give me a no claims discount.  I have never had a claim on any of my multiple vehicles for many years.

 

The named driver discount risks them immediately saying they don't want to cover a car. We had to go elsewhere for my daughter.

 

I would like to see some kind of loyalty back from Roojai.  I have a new BYD Seal Performance, Roojai won't cover it despite the fact I've had zero claims with them for many years and on all my new cars with a free first year insurance.

 

I think they also stop covering for 70+ year olds.

 

Please. let's have some loyalty back to your loyal customers.

 

 

Against the non-claim proof they gave me straight away 50% and an extra 10% for having a dashboard camera. I bought a new Honda city which I could not find on their list of vehicles (model/year); a phone call to Roojai cleared that query. I - for one - am very happy with their professionalism no frill approach which is possibly the secret behind their considerably more attractive premiums

On 11/19/2024 at 5:26 AM, ujayujay said:

No, I am 72 and have just signed a new insurance contract with Roojai

Maybe because you're an existing customer, I don't know but  their website now says the maximum age for insuring motorcyles is 65.  I e-mailed them about that - maybe 3 months ago. Still waiting for a reply.

On 8/26/2024 at 6:10 AM, Davejf2017 said:

I have had no problems with my insurance with Roojai when I had to make a claim they were much better than any car insurers in the Uk.

I had other car insurance quotes and Roojai were nearly half the price of another Thai insurer for the same cover. Had a couple of not my fault minor accidents and Roojai settled the claim quickly .

Just now, superal said:

I had other car insurance quotes and Roojai were nearly half the price of another Thai insurer for the same cover. Had a couple of not my fault minor accidents and Roojai settled the claim quickly .

Forgot to mention that my wife and I are named drivers on the policy with my wife named as the car owner . I am 78 years old and not a problem getting insurance with Roojai .

I recently got an apology from Roojai.

 

I complained that my spare car's renewal quote with 5 years no claims discount was the same as a new fictitious customer I created.

 

Eventually, I got an apology over the fact they don't really have No Claims Discounts.  I like Roojai a lot, but their integrity concerns me.

On 8/7/2024 at 10:29 AM, JBChiangRai said:

I have used Roojai for years.

 

I have never seen them give me a no claims discount.  I have never had a claim on any of my multiple vehicles for many years.

 

The named driver discount risks them immediately saying they don't want to cover a car. We had to go elsewhere for my daughter.

 

I would like to see some kind of loyalty back from Roojai.  I have a new BYD Seal Performance, Roojai won't cover it despite the fact I've had zero claims with them for many years and on all my new cars with a free first year insurance.

 

I think they also stop covering for 70+ year olds.

 

Please. let's have some loyalty back to your loyal customers.

 

 

I got 2,500 baht NCD this year from Roojai. I also chose any driver over 30 years old, which also brings the price down compared to just any driver. I turned 70 years old last month and have just renewed my policy.

11 minutes ago, Jaggg88 said:

I got 2,500 baht NCD this year from Roojai. I also chose any driver over 30 years old, which also brings the price down compared to just any driver. I turned 70 years old last month and have just renewed my policy.

If you care to quote your vehicle type and post code, I’d like to do some investigation 

57 minutes ago, JBChiangRai said:

If you care to quote your vehicle type and post code, I’d like to do some investigation 

Honda HRV 2019 60000

I just tried and got 8,169 THB for zero no claims and 7,190 THB for 50% no claims.

 

Actually, I’m surprised to see a discount but 50% off 8,169 THB should have been 4,085 THB.

On 8/9/2024 at 4:19 AM, lapamita said:

cheapest insurance and very good outside service is asia direct. its cheap bcs direct insurance and no broker fees

service quick when have accident ( paty/bkk ) and sure i think the rest too

 

price for  car 10yr 300000 value 5000 excess , 2 drivers and full discount on accidentfree7

cost 5000 thb year

other

price of car 1yr  1,0 mb vlaue excess5000, 2 driversand full discount 13500

Asia direct is sold to Roojai , all clients taking over if they wish too . price is same low as before. 

THe hotlines and service center are no so good as before ,the rest will be the same

My latest quote was 28% cheaper with AXA, Roojai were a lot more expensive.

I used Roojai for two years. Each year, I asked about a no-claims bonus, and they said we don't do that, Sir.

I am insured with Roojai now for 5 years , No 1 insurance for a Toyota Yaris , 3 months before my insurance ran out , I received an email urging me to renew my insurance early to save , I then was receiving weekly emails reminding me that my car insurance was due to expire .

I have 40% no claims bonus,  so I did an online quotation as a new customer for the same car , using my exact same details but ticked the box that I had 0% no claims bonus , to my surprise , the quotation was about 1000 cheaper than my renewal quotation that was supposed to include 40% NCB.

So I sent them an email explaining this and screenshots of the online quotation as a new customer and asked them to explain and also why would anyone consider renewing there car insurance 3 months before ot expired.

They did actually reply quite quickly with some complicated explanation and in the end after a few emails,  they agreed to offer me the same price as the imaginary new customer quotation with 0% NCB.

I actually renewed it yesterday and it took about 2 or 3 minutes,  so I still can't get my head around the continuous emails I had been receiving as far back as August prompting me to renew early to save time.

we was old customer  10 years  of  asia direct....now Roojai , we had the choice of takeover contract

 

price  city honda  11 years insured  price now 4888 thb  for 1 a insurance w excess fee  5000 , 2 drivers,and no claim bonus carvalue 300k

price hrv  honda new 1 year  price now 14000 thb  for  1 a insurance excess fee 5000 ,2 drivers and no claim bonus, carvalue 900k

 

by far the cheapest  and  in case good  reachable hotline for claimes accident  ( the rest more difficult than before not a lot english speakers)

 

if compare quotes i dont think find cheaper in thailand

Im Roojai last 6yrs on Motorbike 350 Forza, 60yr old, happy with them

They are now covering BYD Seal Performance for 21,000 baht

I have been using Roojai for years and they never go down in price even with years of NC 
Had a broken windscreen which they tried not to replace and i ended up paying move than half for a genuine replacement one as they were trying to fit a aftermarket one 
Also my insurance finishes in December and they start phoning to remind me in around August .
 

They quoted me 21,000 baht for the BYD Seal Performance, they wouldn’t accept this model last year.

 

I think they are predominantly a good company but they are getting a seedy reputation over the non-existent no claims bonuses that they say they have.

Been driving over here for the last 10 years....8 of those I was Insured by Roojai and unfortunately after having my first ever bump earlier this year Roojai last month informed me they would not be renewing the policy.

The repair garage we used was on their recommended list of repair shops, however the claims manageress urged us to use another garage....I took one look at it and turned round....I had to insist on the other and eventually she conceded to our wishes.....BTW they did a great job of repairing.

Thanachart car insurance is happy to accept our business and taking into account they offer free breakdown with the policy it actually works out cheaper than what Roojai quoted using a false name/details etc.

 

Never had any issues with Roojai and used them for a very long time now.

I choose Rabbit Care Broker online they are very good for my Nissan xTrail Hybrid 4x4. They provided over 10 different company quotes via email.

 

The reason I choose Rabbit was the access to higher liabiliity limits and that the price Roojai quoted at the time for Bangkok insurance was higher than Rabbits quote. (Never did get an answer why)

 

Have since renewed 3 years, had 1 not at fault accident and 1 at fault accident. Claim service was very good BUT helps if you can speak thai. After the accidents our premium was bumped by about 1000฿ year. 

This is good discussion topic.

Thanks