Age 75 Vehicle Insurance

[chiang mai]

48 minutes ago, CallumWK said:

 

If they don't insure you as first driver at age 75, why do you think they still will insure you as second driver?

Think easiest way would be to change insurance company

"I suppose a follow on question if you do that is, will your wife's insurance policy still allow you to drive the vehicle"?

[CallumWK]

4 minutes ago, chiang mai said:

"I suppose a follow on question if you do that is, will your wife's insurance policy still allow you to drive the vehicle"?

 

I tried to answer your question, shame you don't comprehend it.

 

To me it is clear that Roojai doesn't insure drivers over 75 year of age, and that will apply to any driver

[chiang mai]

2 minutes ago, CallumWK said:

 

I tried to answer your question, shame you don't comprehend it.

 

To me it is clear that Roojai doesn't insure drivers over 75 year of age, and that will apply to any driver

I'm not interested in theory or what appears to be right, I'm exclusively interested in fact. If you don't know, just say you don't know.

[CallumWK]

7 minutes ago, chiang mai said:

I'm not interested in theory or what appears to be right, I'm exclusively interested in fact. If you don't know, just say you don't know.

 

Then why you start a thread instead of asking Roojai? You think anyone on this forum gonna know the answer?

 

BTW, why I was removed from the 103rd spot on your ignore list. Please add me again

[chiang mai]

10 minutes ago, CallumWK said:

 

Then why you start a thread instead of asking Roojai? You think anyone on this forum gonna know the answer?

 

BTW, why I was removed from the 103rd spot on your ignore list. Please add me again

If you'd bother to read the thread you will see that a couple of people do know and have posted correspondence from Roojai, on this very subject. Plus if you were to read the OP you will note that I have emailed Roojai and am waiting for a reply...bright boy!

 

BTW, happy to put you back on ignore.

[henryford1958]

2 hours ago, JimHuaHin said:

The Roojai website indicates that they only insure drivers 30-70 years old.

 

Possibly solutions - seek out alternative vehicle insurance companies which will insure drivers 70+ years old, also, as suggested above, change car ownership from self to spouse/family member/friend/etc.,  and list yourself as a secondary driver (no problems, I have been told).

 

Having only compulsory insurance is not advised, as noted above.  This is Thailand, where the law and law enforcement are "flexible", farang friends who have been involved in accidents have told me (and this has not been my personal experience) that even though an accident is not your fault, because you are a farang/foreigner you are frequently considered at fault, as you are "rich".

 

Good luck.

 

Where does it say a maximum of 70 on the website? I can't see any reference to that. Also other comments here, including a reply from Roojai, seem to indicate they will insure drivers upto 75.

[vinny41]

5 minutes ago, henryford1958 said:

 

Where does it say a maximum of 70 on the website? I can't see any reference to that. Also other comments here, including a reply from Roojai, seem to indicate they will insure drivers upto 75.

listed here

What are the requirements to buy car insurance with Roojai?

• drivers aged 20-70 years old and with a valid driving license (in some cases, a driver's license is required for more than 2 years)
• no previous history of driving license being revoked
• no more than 3 insurance claims being at fault in the past 12 months
• vehicle is registered in Thailand
• https://www.roojai.com/en/car-insurance/

[henryford1958]

7 minutes ago, vinny41 said:

listed here

What are the requirements to buy car insurance with Roojai?

• drivers aged 20-70 years old and with a valid driving license (in some cases, a driver's license is required for more than 2 years)
• no previous history of driving license being revoked
• no more than 3 insurance claims being at fault in the past 12 months
• vehicle is registered in Thailand
• https://www.roojai.com/en/car-insurance/

 

Thanks for this. So according to this i am not insured even though they issued a policy when i was 71 ! I have sent them a message to clarify.

[Etaoin Shrdlu]

1 hour ago, Moonlover said:

Roojai do not insure drivers. They are brokers and if they cannot offer insurance to us who are 75+ it would seem obvious that they have already done the searching that you suggest.

 

In 2023 Roojai purchased FWD General Insurance and rebranded it as Roojai Insurance Public Company Limited. I understand that they now issue all auto policies using this company.

 

I think you may need to find an independent broker if you want to get quotes from  competing insurers.

 

https://insuranceasia.com/insurance/news/roojai-plans-become-full-stack-digital-insurer-acquisition

[actonion]

Given the accident rate for Thai's,  there insurance should sky rocket, but  from personal experience Thai's  don't do insurance.

   It's about time  Vehicle insurance  was made compulsory,  other than the  government insurance

[vinny41]

5 minutes ago, henryford1958 said:

 

Thanks for this. So according to this i am not insured even though they issued a policy when i was 71 ! I have sent them a message to clarify.

you might find the age range is for new policyholders only existing policyholders might be on a case by case basis only

I have seen in some EV facebook group pages where clearly the insurance company doesn't want to insure someone by increasing the premium from B23K per year to B66K per year

In the Uk there  are specialist insurance brokers that handle cars and drivers that the mainstream insurance compaines wouldn't consider one example is Adrian Flux specialist insurance broker

[LosLobo]

When I entered my details (inter alia age 77) into Roojai site for an insurance quote I was directed to this site :

https://compare.mrkumka.com/#/?lang=en

This is an insurance agent and was offered 3 very competitive choices including Alliance Ayudhya.

Two had 5k excesses.

Seems Roojai is an agency and also gives referrals to other agents.

Also, in my case @ 77 buying a Toyota and having T-Connect is an unrealised bonus as it aligns with the new legislation as detailed above by @vinny41.
 

 

https://www.carrushome.com/en/toyota-and-aioi-introduces-groundbreaking-first-class-insurance-toyota-care-pay-how-you-drive-phyd-to-create-good-driver-society-and-offer-more-savings/

[chiang mai]

Roojai replied to my query in the OP, they said:

 

 "Roojai would like to inform you that for Next year renewal for your policy. According to your age condition with Roojai, there won't be any problem because your first purchased as new business age is allowed. therefore, you can stay with Roojai as long as you wish"

 

Way to go Roojai. 

[henryford1958]

On 12/30/2024 at 4:18 PM, chiang mai said:

Roojai replied to my query in the OP, they said:

 

 "Roojai would like to inform you that for Next year renewal for your policy. According to your age condition with Roojai, there won't be any problem because your first purchased as new business age is allowed. therefore, you can stay with Roojai as long as you wish"

 

Way to go Roojai. 

 

I got the same reply. The 70 limit only applies to new business. I am not sure you can stay as long as you wish, maybe OK up to 75.

[chiang mai]

6 minutes ago, henryford1958 said:

 

I got the same reply. The 70 limit only applies to new business. I am not sure you can stay as long as you wish, maybe OK up to 75.

Well I will be 75 in two months time and they do know that, they are saying quite clearly this will not be an issue in my future......we shall see.

[henry15]

I'm 77 and still insured with  AXA, no problems at all

[SiSePuede419]

On 12/29/2024 at 5:58 AM, chiang mai said:

I'll be 75 in two months, how does that effect my Roojai Class I insurance and what are my options.....please?

We bought a new car last year.

The way car insurance works in Thailand..

The car is insured, not the driver.

The driver needs only a valid driver's license.

Do you have a Thai driver's license?

You're good to go, any age up to death.

Have a Farang drivers license?

Then you need an international permit.

Then you're covered by Thai insurance.

You're welcome.

[JAS21]

I still have Roojai insurance in my name. It was named drivers but they changed it to my wife and any other driver over 21.

 

That was after they sent me a letter saying  basically due to your age we can’t insure you anymore.

[chiang mai]

49 minutes ago, SiSePuede419 said:

We bought a new car last year.

The way car insurance works in Thailand..

The car is insured, not the driver.

The driver needs only a valid driver's license.

Do you have a Thai driver's license?

You're good to go, any age up to death.

Have a Farang drivers license?

Then you need an international permit.

Then you're covered by Thai insurance.

You're welcome.

It's a shame you didn't bother to read the thread because that's not the way it works. 

 

Insurance companies set their own age limit, beyond which they will not accept you as a new customer, typically this is between age 70 and 75. However, if you are already insured by a company, that insurer will continue to insure you indefinitely.

 

Yes, I've had a Thai license for 26 years.

 

You're welcome.

[chiang mai]

44 minutes ago, JAS21 said:

I still have Roojai insurance in my name. It was named drivers but they changed it to my wife and any other driver over 21.

 

That was after they sent me a letter saying  basically due to your age we can’t insure you anymore.

Did you see the response I received from Roojai on this point, they said they will continue to insure me indefinitely

[JAS21]

1 minute ago, chiang mai said:

Did you see the response I received from Roojai on this point, they said they will continue to insure me indefinitely

Yes … but this was two or three years ago now. They said as you are a named driver we will not insure you any more …following phone discussion they suggested the way we went. 
 

Premium has been the same for a while now …approx 10,000 thb for a 3.2Ltr Ford Everest Titanium +.  No claim in 9 years.

[chiang mai]

2 minutes ago, JAS21 said:

Yes … but this was two or three years ago now. They said as you are a named driver we will not insure you any more …following phone discussion they suggested the way we went. 
 

Premium has been the same for a while now …approx 10,000 thb for a 3.2Ltr Ford Everest Titanium +.  No claim in 9 years.

I think you may find they have now tweaked the rules, perhaps because of using a different underwriter.

 

Yes, premiums flat line after about 8 years, moone did also previously.

[SiSePuede419]

1 hour ago, chiang mai said:

Insurance companies set their own age limit, beyond which they will not accept you as a new customer, typically this is between age 70 and 75.

OK, I was wrong.

Insurance companies can change the rules anytime.

Maybe that's a good thing.

I met this old guy in Chiang Rai at the bank.  He looks like this.  Nice guy, didn't ask his age, but should he be driving?

It's so cheap here to get driven around in a taxi or ride share.

Where's his "old lady"?  That's your #1 ride share application.

No woman no cry?

Take the bus and walk in the day.

Taxis at night.

We need a class for Farangs. 🍑

[Tazmo]

The reply that the “ vehicle is insured and not the driver “ seems to be the correct one.

 

But maybe some Companies chose otherwise?

 

 I can help to find you a Company that will Insure you despite your age at a reasonable price.

 

 I am 75 ( soon) and still Insured to drive.

 

See the flyer for details.

 

 

[chiang mai]

3 minutes ago, Tazmo said:

The reply that the “ vehicle is insured and not the driver “ seems to be the correct one.

 

But maybe some Companies chose otherwise?

 

 I can help to find you a Company that will Insure you despite your age at a reasonable price.

 

 I am 75 ( soon) and still Insured to drive.

 

See the flyer for details.

 

 

No they don't chose otherwise, that's the rules Thailand wide. But the age at which companies can take on new customers changes, based on the company, 74 years appears to be the latest date but not if you're already with the company....as already said several times.

[crazykopite]

On 12/29/2024 at 7:27 AM, BritManToo said:

I'm OK with gov min insurance, driver details not required, anyone can drive the car.

Why do you need 1st class?

I have 1st class because my vehicle cost 1.3 million baht hard cash I’m with Roojai I will be 74 in February and my current insurance expires September so it will be interesting to see if they insure me for another year if not I will have to use the government insurance only problem is it’s a very basic insurance unlike my 1st class  !

[vinny41]

4 hours ago, SiSePuede419 said:

We bought a new car last year.

The way car insurance works in Thailand..

The car is insured, not the driver.

The driver needs only a valid driver's license.

Do you have a Thai driver's license?

You're good to go, any age up to death.

Have a Farang drivers license?

Then you need an international permit.

Then you're covered by Thai insurance.

You're welcome.

Car insurance rules changed since yesterday 

Car Insurance rules are changing for new cars 1st January 2025 for all cars 1st January 2026

Overhauling "car insurance" for the next 20 years, forcing name identification and calculating premiums based on risk

“The reason why the OIC wants to adjust the terms and conditions of car insurance policies this time is to make the insurance premiums more in line with the behavior of each driver. In the future, the OIC will be able to collect more individual driving behaviors, and drivers who frequently have accidents should pay higher premiums. 

 

Because in reality, the risk of a car is not in the car itself but in the driver. Therefore, forcing the name of the driver will let the insurance company know who has safe driving behavior or not, which will result in future premium pricing leading to more appropriate pricing.

https://www.prachachat.net/finance/news-1711047

 

 

Basically moving away from the old model of the car is insured not the driver

[Etaoin Shrdlu]

Coverage under a motor insurance policy follows the car.

 

Underwriting decisions may be made on the basis of many factors including the age of the owner. I don't think the existing tariff rating structure has different rates for older drivers, so perhaps the only option for insurers is to decline to insure them if they believed that they constituted a higher risk than the tariff rates would support.

 

It seems that under the new rules, the accident history of the owner/driver(s) may be taken into account. This hasn't been the case in the past.

 

But I don't think that Thailand has abandoned tariff rating for auto insurance. 

 

 

[JAS21]

Actually have just renewed the insurance today…due in two weeks. It has my wife as the main driver and any driver over thirty. They have stated value as 715,000, down from 740,000 last year. It’s a 2015 3.2L Ford Everest Titanium +. If I get that when I sell it in a while I’ll be quite pleased,  it has only done 58,000 kms and full MDSH.

[ujayujay]

When someone renews an existing car insurance policy with the same insurer, age does not matter unless the applicant had a significant number of claims in the previous year.