Firefan Posted May 8, 2008 Share Posted May 8, 2008 I have a hard time understanding why AIA (that I currently use) will only give 3rd class insurance just because my car, Honda, is a bit older....(more than 10 years). What is the logic behind that? And can Thaivisa-insurance help with getting something closer to a typical 1st class insurance? (could be with deductable or whatever). Cheers! Link to comment Share on other sites More sharing options...
tonydabbs Posted May 11, 2008 Share Posted May 11, 2008 I have a hard time understanding why AIA (that I currently use) will only give 3rd class insurance just because my car, Honda, is a bit older....(more than 10 years). What is the logic behind that? And can Thaivisa-insurance help with getting something closer to a typical 1st class insurance? (could be with deductable or whatever). Cheers! That's because good quality replacement parts are much more difficult to obtain. You may be able to get Class 2 coverage, though. (fire & theft only - without coverage for damage to the body). If your car is less than 15 years old, you can now also get a form of 3rd Class coverage that gives you the options of Collision coverage, or Fire & Theft coverage, or a combination of Collision and Fire & Theft coverage. There are a couple of companies that will probably sell you 1st Class coverage, but the coverage I just mentioned above is much cheaper and much more practical for an older car. Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted May 12, 2008 Share Posted May 12, 2008 I have a hard time understanding why AIA (that I currently use) will only give 3rd class insurance just because my car, Honda, is a bit older....(more than 10 years). What is the logic behind that? And can Thaivisa-insurance help with getting something closer to a typical 1st class insurance? (could be with deductable or whatever). Cheers! Firefan Yes, we can help you. For vehicles under 15 years we can offer 2 + 1 which is Third Party, Fire & Theft plus an agreed amount for your vehicle if involved with another vehicle – quite reasonable premiums ! Link to comment Share on other sites More sharing options...
Firefan Posted May 12, 2008 Author Share Posted May 12, 2008 Too bad that my car just turned 15....dammit...that old bat! Cheers! Link to comment Share on other sites More sharing options...
FlakeyFoont Posted March 4, 2010 Share Posted March 4, 2010 Yes, we can help you. For vehicles under 15 years we can offer 2 + 1 which is Third Party, Fire & Theft plus an agreed amount for your vehicle if involved with another vehicle – quite reasonable premiums ! So if you get a policy like this on a 14 year old car, will they drop you when it turns 15? Also, with this policy, can you get your car repaired at the dealership garage? Are there any options for collision coverage on a car over 15 years old? Link to comment Share on other sites More sharing options...
junkofdavid2 Posted March 4, 2010 Share Posted March 4, 2010 (edited) I insured my car on its 14th year with Thaivisa 2+1 AXA like he said, then I was renewed for 15th year without hassle; not dropped. AXA has very good call center service, from my experience. However, just in case you do get dropped in the future, SCB Bank offers "Special 3rd Class" insurance for any age car for only 7,000. Your car will be insured for theft and damage (but not for electrical fire) for 100,000 baht, plus third party property damage 1 Million plus third party liability for injury up to 10 Million (1 million per person), plus more... . Edited March 4, 2010 by junkofdavid2 Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted March 5, 2010 Share Posted March 5, 2010 Thank you JunkofDavid. Yes we can indeed now off the 2+1 insurance for vehicle up to the age of 20 years - good news for many ThaiVisa Insurance Link to comment Share on other sites More sharing options...
Firefan Posted March 19, 2010 Author Share Posted March 19, 2010 Thaivisainsurance, that sounds good: is that 2+1 with AXA or whom? And you you specify the cover (damage on own car? to what level?) Cheers! Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted March 19, 2010 Share Posted March 19, 2010 Thaivisainsurance, that sounds good: is that 2+1 with AXA or whom? And you you specify the cover (damage on own car? to what level?) Cheers! AXA is one of several companies who offer 2 +1 As for the level of coverage, that obviously depends to a certain extent on the age of the vehicle. Link to comment Share on other sites More sharing options...
Firefan Posted March 19, 2010 Author Share Posted March 19, 2010 Sorry I meant AIA? I checked with you and they turned me down previously - so just wonder if something changed. Link to comment Share on other sites More sharing options...
up-country_sinclair Posted March 19, 2010 Share Posted March 19, 2010 Why do people need fire insurance for their cars? Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted March 19, 2010 Share Posted March 19, 2010 Thaivisainsurance, that sounds good: is that 2+1 with AXA or whom? And you you specify the cover (damage on own car? to what level?) Cheers! Different companies different underwriting criteria …………………and for 'up country' there is a very good reason why fire coverage is necessary Link to comment Share on other sites More sharing options...
Johnniey Posted June 5, 2010 Share Posted June 5, 2010 Can someone provide a link to the Thai Visa car insurance please. Link to comment Share on other sites More sharing options...
bazmlb Posted June 5, 2010 Share Posted June 5, 2010 Here is the link http://insurance.thaivisa.com/our-products...-insurance.html You can also click on the Insurance link in the menu at the top of the page Link to comment Share on other sites More sharing options...
Hssl Posted June 20, 2010 Share Posted June 20, 2010 Another question on this thread can 'bail bond' be added on as an extra for an older car? Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted June 20, 2010 Share Posted June 20, 2010 Another question on this thread can 'bail bond' be added on as an extra for an older car? No need to be 'added' - Bail Bond is included with the voluntary insurance e.g. 3rd Class Link to comment Share on other sites More sharing options...
Firefan Posted September 23, 2010 Author Share Posted September 23, 2010 (edited) Thank you JunkofDavid. Yes we can indeed now off the 2+1 insurance for vehicle up to the age of 20 years - good news for many ThaiVisa Insurance Reviving this thread as really want to get my old bat of a car back on the road So, can you still insure a 17 year old Honda with something more than basic 3rd class insurance and what would that be? Cheers! Edited September 23, 2010 by Firefan Link to comment Share on other sites More sharing options...
JRinger Posted October 19, 2010 Share Posted October 19, 2010 Too bad that my car just turned 15....dammit...that old bat! Cheers! Try LMG, I have one 1992 Isuzu PU 4x4 with 3rd(madatory) & 2nd class @ 4,100./year. Link to comment Share on other sites More sharing options...
Firefan Posted November 20, 2010 Author Share Posted November 20, 2010 (edited) Hi TV-insurance, so my 1993 Honda 1.6L old bat would be able to get what from AXA (I like their free road side service add-on - and their service when I had them before was good). I prefer cover for fire/theft as well as at least SOME cover for damage (limited to collision w. other vehicle only - but prefer if not limited by that naturally). If not AXA do you have another option that will accept my above car with more than just standard 3rd class? Heard LMG will - and in this thread Siam Commercial Bank was also mentioned. Cheers! Thaivisainsurance, that sounds good: is that 2+1 with AXA or whom? And you you specify the cover (damage on own car? to what level?) Cheers! AXA is one of several companies who offer 2 +1 As for the level of coverage, that obviously depends to a certain extent on the age of the vehicle. Edited November 20, 2010 by Firefan Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted November 22, 2010 Share Posted November 22, 2010 Hi TV-insurance, so my 1993 Honda 1.6L old bat would be able to get what from AXA (I like their free road side service add-on - and their service when I had them before was good). I prefer cover for fire/theft as well as at least SOME cover for damage (limited to collision w. other vehicle only - but prefer if not limited by that naturally). If not AXA do you have another option that will accept my above car with more than just standard 3rd class? Heard LMG will - and in this thread Siam Commercial Bank was also mentioned. Cheers! Thaivisainsurance, that sounds good: is that 2+1 with AXA or whom? And you you specify the cover (damage on own car? to what level?) Cheers! AXA is one of several companies who offer 2 +1 As for the level of coverage, that obviously depends to a certain extent on the age of the vehicle. Sorry Firefan but one has to start the insurance before 15 years - see junkofdavid2 above. At 17 years 3rd Class is your option. Link to comment Share on other sites More sharing options...
Sheryl Posted November 22, 2010 Share Posted November 22, 2010 This may be a silly question, but... is it possible to get car insurance that is just car (fire/theft/damage) and 3rd party insurance? i.e. not "life and injury of the driver" which is me and I already have adequate coverage for that. Just want to be insured at a reasonable cost in case car is stolen or totalled... (it's an 8 year old Honda BTW) ?? Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted November 23, 2010 Share Posted November 23, 2010 This may be a silly question, but... is it possible to get car insurance that is just car (fire/theft/damage) and 3rd party insurance? i.e. not "life and injury of the driver" which is me and I already have adequate coverage for that. Just want to be insured at a reasonable cost in case car is stolen or totalled... (it's an 8 year old Honda BTW) ?? Sorry it is not possible just to take out 'life and injury' of the driver as (apart from they are all standard packages) the insurance is for the vehicle not the insured in Thailand. Link to comment Share on other sites More sharing options...
Sheryl Posted November 23, 2010 Share Posted November 23, 2010 Sorry it is not possible just to take out 'life and injury' of the driver as (apart from they are all standard packages) the insurance is for the vehicle not the insured in Thailand. I was asking the opposite...whether it is possible to get insurance on only the vehicle and not the driver. Link to comment Share on other sites More sharing options...
up-country_sinclair Posted April 18, 2011 Share Posted April 18, 2011 (edited) I think that's a very interesting question. I currently have health and accident insurance through my employer and also a private plan that I purchased. Why should I also have to pay for it on my car insurance? Edited April 18, 2011 by up-country_sinclair Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted April 18, 2011 Share Posted April 18, 2011 Sorry it is not possible just to take out 'life and injury' of the driver as (apart from they are all standard packages) the insurance is for the vehicle not the insured in Thailand. I was asking the opposite...whether it is possible to get insurance on only the vehicle and not the driver. Sorry no is the answer - these are standard packages and to start swapping parts in or out would end up costing you more in premiums. Link to comment Share on other sites More sharing options...
LivinLOS Posted May 26, 2011 Share Posted May 26, 2011 So what does 2+1 actually cover.. If my wife drives into another car, and its her fault.. The other car is covered ?? Her car is covered (to only 100 ??) ?? If theres no other car involved ?? I am making the assumption that if the other driver is at fault all claims and all damage falls to them on their policy anyway. Link to comment Share on other sites More sharing options...
Naam Posted May 26, 2011 Share Posted May 26, 2011 Car Insurance For Car Older Than 10 Years AIA will only give 3rd class insurance unfortunately that is correct. obviously i can't get a better than 3rd class insurance for one of my cars which is 20 years old but valued at 2 million Baht Link to comment Share on other sites More sharing options...
LivinLOS Posted May 26, 2011 Share Posted May 26, 2011 Car Insurance For Car Older Than 10 Years AIA will only give 3rd class insurance unfortunately that is correct. obviously i can't get a better than 3rd class insurance for one of my cars which is 20 years old but valued at 2 million Baht Exactly, you start looking at Mercs or beemers or other nice imports and its very easy to find cars with a mil plus value and yet hitting the 10 year mark. Is there no specialists who handle these ?? I mean do multi million baht porsches really drive round with no insurance ?? Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted May 26, 2011 Share Posted May 26, 2011 So what does 2+1 actually cover.. If my wife drives into another car, and its her fault.. The other car is covered ?? Her car is covered (to only 100 ??) ?? If theres no other car involved ?? I am making the assumption that if the other driver is at fault all claims and all damage falls to them on their policy anyway. 2+1 covers Third Party, Fire & Theft + if you are in an accident with another vehicle (your fault or theirs) your damage will be paid for - as well as theirs. The amount of cover is what is agreed between you and the insurance company at time of application. If no other vehicle involved e.g. you drive off the road into a wall, then you pay - otherwise it would be full 1st Class ! Other party at fault then yes, they pay. Link to comment Share on other sites More sharing options...
ThaivisaInsurance Posted May 26, 2011 Share Posted May 26, 2011 Car Insurance For Car Older Than 10 Years AIA will only give 3rd class insurance unfortunately that is correct. obviously i can't get a better than 3rd class insurance for one of my cars which is 20 years old but valued at 2 million Baht Vehicles up to 15 years can usually be insured 2+1 and then on to 20 years on application. Link to comment Share on other sites More sharing options...
Recommended Posts
Create an account or sign in to comment
You need to be a member in order to leave a comment
Create an account
Sign up for a new account in our community. It's easy!
Register a new accountSign in
Already have an account? Sign in here.
Sign In Now