Hello from AA Insurance Brokers – Your Insurance Information Service on Asean Now

[AA Insurance]

We’re delighted to introduce ourselves to the Asean Now community as an expert insurance information service here to help you.

 

We’re not here to hard-sell. We’re here to answer your questions - whether or not you’re a client of ours. Our advice will always be free, impartial, and focused on what’s genuinely in your best interests.

 

AA Insurance Brokers has been supporting the expat and local community in Thailand for over 20 years. While our core business is helping individuals and businesses with their insurance needs, our role here is not to sell - it’s to serve.

 

Our goals are simple:

1. Help people navigate the often confusing world of insurance in Thailand
2. Share knowledge openly to benefit the wider community
3. Clarify misunderstandings about policies, processes, and providers
4. Foster constructive discussion, free from scare tactics or misinformation

 

If you’re unsure about an insurance term, wondering how a claim works, or just want to verify something you’ve heard - feel free to post. We’ll do our best to help.

 

Thanks to Asean Now for entrusting us with this responsibility. We look forward to contributing positively to this great community and hope the information we share helps you all.

 

AA Insurance Brokers | www.aainsure.net
Trusted. Established. Independent.

[sometime]

Hello Peter, hope you are keeping well.

[AA Insurance]

1 hour ago, sometime said:

Hello Peter, hope you are keeping well.

Hello! Peter is indeed still with us and is a key part of the team. His original vision of providing great advice with a customer-centric focus is one that continues even today and has been passed down through the generations.

Thank you for your kind message, I will ensure Peter sees this.

[JoePai]

15 hours ago, sometime said:

Hello Peter, hope you are keeping well.

Alive and well thanks, catch up sometime 

[malathione]

Have you started dealing with Health insurance again through your Thai offices? My old health insurance policy was through AA but I cancelled it once it was transferred to an Indian office.

[JoePai]

49 minutes ago, malathione said:

Have you started dealing with Health insurance again through your Thai offices? My old health insurance policy was through AA but I cancelled it once it was transferred to an Indian office.

Health insurance is available either online or from the 3 AA offices - Pattaya / HH / Phuket

 

https://www.aainsure.net/VIP-505 

[malathione]

2 minutes ago, JoePai said:

Health insurance is available either online or from the 3 AA offices - Pattaya / HH / Phuket

 

https://www.aainsure.net/VIP-505 

Excellent, thank you. 

[MartinL]

Bike voluntary insurance - Bail Bond.

 

I've had bikes for all of my time in Thailand. No insurance claims have been made at any time in my 16 years here on any of my bike insurance policies. No accidents at all. No speeding fines - nothing. Maximum NCB was gained on all vehicles.

 

For one of my bikes, from 2017/18 to 19/20, BB was 300k฿. It rose on renewal to 1.5m฿ (+400%) for 20/21 to 22/23. All with same insurer, MSIG. In other respects, premiums were good.

 

In 21/22 bought another bike and sold the old one in 22/23.

 

The new bike's BB started at 610k฿ in 21/22 and rose to 1.08m฿ (+77%) in 25/26. 

 

The BB on my car has remained at 300k฿ from 15/16 to 25/26. There have been 2 small claims in that time. We have maximum NCB.

 

Can you give any insight into just how the BB level works? I know it's a legal requirement but it doesn't explain the discrepancy in BB levels for my bike and car at the present time, 25/26. It seems to be just a scheme to allow extra charges. I'd be happy with a 300k฿ BB as for the car but insurers won't allow that level, it seems, for bikes. Am I more of a risk of being held, or absconding, as a bike rider as compared to a car driver?

 

I've asked insurance brokers to explain in the past but have more-or-less been told "It's the law. Take it or leave it", which isn't really satisfactory.

 

Thanks.

[AA Insurance]

20 minutes ago, MartinL said:

Bike voluntary insurance - Bail Bond.

 

I've had bikes for all of my time in Thailand. No insurance claims have been made at any time in my 16 years here on any of my bike insurance policies. No accidents at all. No speeding fines - nothing. Maximum NCB was gained on all vehicles.

 

For one of my bikes, from 2017/18 to 19/20, BB was 300k฿. It rose on renewal to 1.5m฿ (+400%) for 20/21 to 22/23. All with same insurer, MSIG. In other respects, premiums were good.

 

In 21/22 bought another bike and sold the old one in 22/23.

 

The new bike's BB started at 610k฿ in 21/22 and rose to 1.08m฿ (+77%) in 25/26. 

 

The BB on my car has remained at 300k฿ from 15/16 to 25/26. There have been 2 small claims in that time. We have maximum NCB.

 

Can you give any insight into just how the BB level works? I know it's a legal requirement but it doesn't explain the discrepancy in BB levels for my bike and car at the present time, 25/26. It seems to be just a scheme to allow extra charges. I'd be happy with a 300k฿ BB as for the car but insurers won't allow that level, it seems, for bikes. Am I more of a risk of being held, or absconding, as a bike rider as compared to a car driver?

 

I've asked insurance brokers to explain in the past but have more-or-less been told "It's the law. Take it or leave it", which isn't really satisfactory.

 

Thanks.

Hi Martin,

 

Thank you ever so much for the question, it's a good one!
 

The Bail Bond (BB) limit on a Thai insurance policy is not strictly determined by claims history, NCB, or driving record. Instead, insurers apply their own actuarial modelling, which often factor in the type of vehicle, perceived likelihood of an incident requiring bail, and their specific overall portfolio performance across similar risks.

 

Motorbikes often attract higher scrutiny from police and carry a higher perceived risk of serious incidents (accidents involving injury, fatality, or alcohol, for example). This is regardless of your personal history. Therefore, insurers often apply a higher BB limit automatically to motorbikes rather than cars, due to portfolio experience and that can evolve and change over time and any prevailing legal or regulatory notes on this can also have a bearing.

I hope this helps, but what we'll do as well, as you mentioned MSIG, is reach out to them (we won't disclose your name/ID to them) to get their written response to this too. We are one of their larger brokers so I am sure they will help us out with their specific insights.

[JoePai]

30 minutes ago, MartinL said:

Bike voluntary insurance - Bail Bond.

 

I've had bikes for all of my time in Thailand. No insurance claims have been made at any time in my 16 years here on any of my bike insurance policies. No accidents at all. No speeding fines - nothing. Maximum NCB was gained on all vehicles.

 

For one of my bikes, from 2017/18 to 19/20, BB was 300k฿. It rose on renewal to 1.5m฿ (+400%) for 20/21 to 22/23. All with same insurer, MSIG. In other respects, premiums were good.

 

In 21/22 bought another bike and sold the old one in 22/23.

 

The new bike's BB started at 610k฿ in 21/22 and rose to 1.08m฿ (+77%) in 25/26. 

 

The BB on my car has remained at 300k฿ from 15/16 to 25/26. There have been 2 small claims in that time. We have maximum NCB.

 

Can you give any insight into just how the BB level works? I know it's a legal requirement but it doesn't explain the discrepancy in BB levels for my bike and car at the present time, 25/26. It seems to be just a scheme to allow extra charges. I'd be happy with a 300k฿ BB as for the car but insurers won't allow that level, it seems, for bikes. Am I more of a risk of being held, or absconding, as a bike rider as compared to a car driver?

 

I've asked insurance brokers to explain in the past but have more-or-less been told "It's the law. Take it or leave it", which isn't really satisfactory.

 

Thanks.

My understanding is a min of 200k is needed for foreigners

As for the amounts offered I agree they do seem arbitrary and follow no rhyme or reason – not even sure the Underwriters know themselves !

[topt]

3 hours ago, malathione said:

Have you started dealing with Health insurance again through your Thai offices? My old health insurance policy was through AA but I cancelled it once it was transferred to an Indian office.

I am sure the OP will correct me if wrong but they only stopped dealing directly with International Insurance policies as it was against the Thai regulations for Thai based brokers. They created the Indian office specifically for that.........and to push Regency products .......

 

They have never stopped handling Thai based insurers.

[AA Insurance]

2 hours ago, topt said:

I am sure the OP will correct me if wrong but they only stopped dealing directly with International Insurance policies as it was against the Thai regulations for Thai based brokers. They created the Indian office specifically for that.........and to push Regency products .......

 

They have never stopped handling Thai based insurers.

 

Hi TopT,

 

Thanks for your comment, much appreciated. It’s always good to clarify these points for the benefit of the wider community.

 

If you’d ever like to chat offline or grab a coffee with one of our Directors at one of our branches, I’m sure we could arrange that and I know they’d be more than happy to host you and discuss these topics further.

 

To clarify:

AA Insurance Brokers in Thailand is fully licensed and works with a wide range of Thai-based insurers.

 

Our parent company, Alliance Group, operates internationally and works with insurers around the world. In fact, in 2024 alone, 89 insurers globally received new business from Alliance Group.

 

There is no connection between AA Thailand and Regency. The only connections brokers have with any insurers, whether through AA Thailand or AA World, are purely professional: broker > insurer relationships. This ensures loyalty remains with a brokers' clients, not insurers, particularly when it comes to supporting clients in the event of a dispute and that fundamentally is a brokers' core role : what is in your best interests, not theirs or the insurers'.

 

If you’d like to learn more about our group’s international operations, feel free to visit here:

https://www.welcometoalliance.com/social-responsibility/news/alliance-group-expands-global-footprint

 

Or drop us a line directly anytime via www.aainsure.net, we’re always happy to hear from you.

 

Thanks again for raising this. It’s always good to clear up any confusion, and we’re happy to answer questions openly.

 

[WebGuy]

Any family medical insurance for three members? We are already under Thai social security and medically covered but any family packages in addition to that?

[AA Insurance]

17 hours ago, WebGuy said:

Any family medical insurance for three members? We are already under Thai social security and medically covered but any family packages in addition to that?

 

Thank you for the question. Yes absolutely, there are a huge range of options available - we can filter down to your specific requirements and ensure you only pay for what you actually need. Would you mind filling out the form found here so we can meet and help you out : Schedule a Call

[WebGuy]

1 hour ago, AA Insurance said:

 

Thank you for the question. Yes absolutely, there are a huge range of options available - we can filter down to your specific requirements and ensure you only pay for what you actually need. Would you mind filling out the form found here so we can meet and help you out : Schedule a Call

 

Any packages from 3 to 5k a month? 

 

Would rather skip filling the form and have a call if the monthly payment is above this range?

[AA Insurance]

2 hours ago, WebGuy said:

 

Any packages from 3 to 5k a month? 

 

Would rather skip filling the form and have a call if the monthly payment is above this range?

 

Yes, it is likely possible, but we'd have to finalise and confirm this once we know more about you and are sure that what we're recommending is right for the three of you.

We are not the sort of company that wants to sell you something and move on - if we suggest a plan to you it is because we understand what you are looking for, what your circumstances are, and what our professional advice and experience leads us to recommend.

Please get in touch - our advice is free and if you don't like what we propose you're under no obligation whatsoever.

[Rimmer]

Went into the Pattaya branch of AA  Insurance yesterday afternoon to get some quotes for our new Toyota HEV, very convenient location, the office is on the service road right opposite Big C, can also park right outside their office. 

 

They came out and took pictures of the car and the VIN on the chassis, the girl we dealt with inside was very good, spoke English and quickly printed out a number of different quotes from B11000 to B26000 showing the benefits of each every quote in Thai and in English so I was easily able to understand what each quote offered.  

 

Good experience all round 🙂

[AA Insurance]

24 minutes ago, Rimmer said:

Went into the Pattaya branch of AA  Insurance yesterday afternoon to get some quotes for our new Toyota HEV, very convenient location, the office is on the service road right opposite Big C, can also park right outside their office. 

 

They came out and took pictures of the car and the VIN on the chassis, the girl we dealt with inside was very good, spoke English and quickly printed out a number of different quotes from B11000 to B26000 showing the benefits of each every quote in Thai and in English so I was easily able to understand what each quote offered.  

 

Good experience all round 🙂

 

Hi Rimmer,

 

Really appreciate you sharing that and I have to say, as a long-time Red Dwarf fan, seeing your profile name and picture gave me a big nostalgic grin.

 

So glad to hear the team at our Pattaya branch looked after you and made the process clear and simple. That’s exactly the experience we want people to have : helpful, hassle-free, and with no confusion over the options. I will ensure the team are aware of your kind comments.

 

Enjoy the new Toyota and congratulations on the purchase, and if you ever need anything else, you know where we are.

 

Thank you once again, 

The AA Team