I have comprehensive car insurance in Bangkok with a local company for my 2004 BMW (it is for full repairs but not at BMW dealer, if I use BMW dealer there is an excess). I have had the insurance for over a year. My BMW car badge on the front grill has been stolen, can I claim for this, is it likely that I must pay something for the badge? I have no idea of the cost. Of course I want it fixed on securely.

After having obtained the police report, we suggest you present it and the details to your Broker who will help you with the claim.

Suggestion – check on the cost as claiming for a small item may cause you to loose your NCB the following year and so may not be worth the time/trouble.

Of course you don't claim. If your NCB is going to be 30% after 1 year and perhaps a bit more after year 2 then you'd lose say 40% of Bt30,000 which is Bt12,000.

Adjust figures accordingly but the principle remains the same.