Toyota Vigo 3.0 Pickup Insurance Renewal

[dsfbrit]

For 4 years, I have had class 1 Insurance with Viriyah Insurance for my 5 year old Toyota Vigo 3.0 pickup. I have 50 percent no claims discount and pay 12000 baht. I took this insurance initially as it offered to replace all parts with Toyota genuine parts. This insurance was originally set up by the Toyota dealer where I got the pickup

I recently had to replace the cracked windscreen and they wanted to fit a non Toyota windscreen at their local repair centre. I refused that offer and had a Toyota windscreen fitted at the Toyota dealer in Pattaya where I bought the pickup from new and have it serviced regularly. I had to pay about 1000 baht of the 9000 baht bill. This was no big deal, but it made me ask some questions about this insurance policy - which I need to renew in December.

I asked if I have an accident:-

1. Will I get Genuine Toyota Parts Fitted?

2. Can I take my Toyota Vigo to the Toyota Dealer where I bought the vehicle to have it repaired?

3. I have 200,000 baht medical cover - this seems a small amount if I have to go to Bangkok Pattaya Hospital - can this be increased?

Reply 1. Normally we provide new genuine spare part to new car not over three year, and second hand genuine part to the car over three year.

Reply 2. You can take your car to the Toyota Dealer to have it repaired, but please ask them to contact our claim office before repairing.

Reply 3. yes.

-----------------------

Sounds like a complete mess to me -

Certainly 'Reply 1' fills me with horror and 'Reply 2' sounds like I will be covering a lot/some of the bill myself!

- is this normal with insurance policies here in LOS?

- is there a simpler insurance policy that will give me Toyota parts and repair at my local Toyota dealer?

- What is a reasonable amount for medical cover? Certainly a messy accident where I am stretchered to a hospital to have an operation and stay for a week or so seems to be woefully covered by 200,000 baht

- Would I get my no claims bonus if I transfer to a new company?

Thanks for you advice

edit: I have read in other posts they use QBE insurance who insist on Toyota dealer being used - I have QBE house insurance, is there an advantage combining insurance companies for both these insurances???

Edited October 1, 2009 by dsfbrit

[ThaivisaInsurance]

For 4 years, I have had class 1 Insurance with Viriyah Insurance for my 5 year old Toyota Vigo 3.0 pickup. I have 50 percent no claims discount and pay 12000 baht. I took this insurance initially as it offered to replace all parts with Toyota genuine parts. This insurance was originally set up by the Toyota dealer where I got the pickup

I recently had to replace the cracked windscreen and they wanted to fit a non Toyota windscreen at their local repair centre. I refused that offer and had a Toyota windscreen fitted at the Toyota dealer in Pattaya where I bought the pickup from new and have it serviced regularly. I had to pay about 1000 baht of the 9000 baht bill. This was no big deal, but it made me ask some questions about this insurance policy - which I need to renew in December.

I asked if I have an accident:-

1. Will I get Genuine Toyota Parts Fitted?

2. Can I take my Toyota Vigo to the Toyota Dealer where I bought the vehicle to have it repaired?

3. I have 200,000 baht medical cover - this seems a small amount if I have to go to Bangkok Pattaya Hospital - can this be increased?

Reply 1. Normally we provide new genuine spare part to new car not over three year, and second hand genuine part to the car over three year.

Reply 2. You can take your car to the Toyota Dealer to have it repaired, but please ask them to contact our claim office before repairing.

Reply 3. yes.

-----------------------

Sounds like a complete mess to me -

Certainly 'Reply 1' fills me with horror and 'Reply 2' sounds like I will be covering a lot/some of the bill myself!

- is this normal with insurance policies here in LOS?

- is there a simpler insurance policy that will give me Toyota parts and repair at my local Toyota dealer?

- What is a reasonable amount for medical cover? Certainly a messy accident where I am stretchered to a hospital to have an operation and stay for a week or so seems to be woefully covered by 200,000 baht

- Would I get my no claims bonus if I transfer to a new company?

Thanks for you advice

edit: I have read in other posts they use QBE insurance who insist on Toyota dealer being used - I have QBE house insurance, is there an advantage combining insurance companies for both these insurances???

Oh boy. where do we start with this !

To try and answer we would suggest (1) "Genuine Toyota Parts Fitted", this depends on the policy - may we suggest you read the policy for clarification or ask your Broker to explain as all policies can vary ?

(2) Again, this depends on the policy - see above.

(3) 200,000 Baht is nothing for a serious accident should you go to the likes of BKK Pattaya hospital. However this is where your standard Medical insurance takes over and looks after you as the medical expenses in a vehicle policy are only for basic emergencies - No substitute for a Medical insurance policy.

Fallacy - not sure who posted the information about QBE, but they do not insist on only (example) Toyota parts being used if the vehicle is old.

As with many other posts we suggest you contact Thai Visa Insurance for quotes ( Here ) or email for further help.

[dsfbrit]

Thanks for the reply.

I got the information about the QBE insurance from post 10 in this thread:

http://www.thaivisa.com/forum/Auto-Insuran...al-t300711.html

As for the replies to my questions 1 and 2 - these were from the INSURANCE company - there is no broker involved.

This is their policy. The original 'broker' was the Toyota dealer.

I would have thought my requirements were really simple and so am quite shocked that the insurance company have such a complicated formula.

All I want is;-

- If I have an accident the Toyata pickup to be repaired by a Toyota Dealer with Toyota parts.

Before I embark on searching out a new insurance policy I want to understand what is usual or possible here in the LOS. For example:-

Can medical insurance be increased on these car insurance policies?

As an aside:-

If I have an accident, how I can get the emergency services to take me to a local hospital that is not a 'rip off' like Bangkok/Pattaya hospital???

Thanks again for the feedback.

Edited October 2, 2009 by dsfbrit

[Asianrider]

it physically says in Thai on my policy to be repaired by Toyota dealer, and not some Somchai up country

the thai word reads something like "saw hang"

[dsfbrit]

Asianrider, you are lucky - I wish mine said that.

I thought I had a really good insurance policy - I mean really, who would want my policy when after 3 years old I get '2nd hand parts' - what does that mean

I will look around for another policy I guess. I tried the Thai Visa Insurance place near Big C on the Sukhumvit for my wifes motorbike insurance - they seemed OK. I will pop in there next week and QBE insurance as well.

Out of interest - do you know if I can take my 50 percent no-claims bonus with me - or is it not the same as the UK.

Thanks for you feedback.

[dsfbrit]

ThaiVisaInsurance could you please give some more feedback on this. I am quite happy to go to your office in South Pattaya - I have been there before. However, I have a few weeks yet to look into all this and really could do with some help.

I find it pointless going to any insurance office before I know what it is I want!

As I asked above, if I have an accident I need to know how much I could increase medical insurance to - what is a 'typical' figure in your experience.

Also, how can I know where I would be taken by the ambulance. I get the impression an ambulance arrives and depending on who has 'bribed' them the most - that is the hospital I will be taken to. If I am conscious then I can perhaps influence this decison. If I am unconscious - then what??

I am not used to this - as in the UK we have the National Health Service and we just get taken to the local NHS emergency room.

edit: recently I took my Thai wife to the Queen Sikrit hospital in Sattahip. The service was excellent. She needed an eye scan for her driving license. The cost was half of that of the Bangkok Pattaya hospital. This cost was the same for her or a farang as it was a 'specialist' service. The point I am making - is that in an accident I would be happy to go to a local government hospital and pay the 'farang' rate for the emergency treatment and then go to a private hospital later on if necessary - how can I make that happen???

Edited October 4, 2009 by dsfbrit

[JoePai]

ThaiVisaInsurance could you please give some more feedback on this. I am quite happy to go to your office in South Pattaya - I have been there before. However, I have a few weeks yet to look into all this and really could do with some help.

I find it pointless going to any insurance office before I know what it is I want!

As I asked above, if I have an accident I need to know how much I could increase medical insurance to - what is a 'typical' figure in your experience.

Also, how can I know where I would be taken by the ambulance. I get the impression an ambulance arrives and depending on who has 'bribed' them the most - that is the hospital I will be taken to. If I am conscious then I can perhaps influence this decison. If I am unconscious - then what??

I am not used to this - as in the UK we have the National Health Service and we just get taken to the local NHS emergency room.

edit: recently I took my Thai wife to the Queen Sikrit hospital in Sattahip. The service was excellent. She needed an eye scan for her driving license. The cost was half of that of the Bangkok Pattaya hospital. This cost was the same for her or a farang as it was a 'specialist' service. The point I am making - is that in an accident I would be happy to go to a local government hospital and pay the 'farang' rate for the emergency treatment and then go to a private hospital later on if necessary - how can I make that happen???

Would of thought that in an emergency you would want to go as quick as possible to the nearest hospital wherever you are in Thailand - whatever the name/cost.

On the other hand, why wait for an ambulance, flag down the nearest baht bus and tell them where to take you.

[dsfbrit]

On the other hand, why wait for an ambulance, flag down the nearest baht bus and tell them where to take you.

Yes nice idea - from what I have seen of some of the 'ambulances' over here - the comfort would be about the same.

I am not concerned about the cost as such. I am simply trying to set up my car insurance policy to cover these medical costs. I am just trying to understand the system before I am in a serious accident. The 200,000 baht my current insurance pays out seems very low.

Thai Visa has simply responded and said I need separate medical cover. That shocked me to be honest. I am happy to pay the going rate for good car insurance that provides accident cover - I dont want to take out separate medical cover.

So how much is your medical cover on your insurance?? Do you have separate medical cover?

If you have a car accident and are unconscious what actually happens. Perhaps I need to search this forum and see if there is a thread about whats happens in this situation. If I were rushed to Bangkok Pattaya hospital this 200,000 baht would be exhausteed within about 3 days I expect

[ThaivisaInsurance]

On the other hand, why wait for an ambulance, flag down the nearest baht bus and tell them where to take you.

Yes nice idea - from what I have seen of some of the 'ambulances' over here - the comfort would be about the same.

I am not concerned about the cost as such. I am simply trying to set up my car insurance policy to cover these medical costs. I am just trying to understand the system before I am in a serious accident. The 200,000 baht my current insurance pays out seems very low.

Thai Visa has simply responded and said I need separate medical cover. That shocked me to be honest. I am happy to pay the going rate for good car insurance that provides accident cover - I dont want to take out separate medical cover.

So how much is your medical cover on your insurance?? Do you have separate medical cover?

If you have a car accident and are unconscious what actually happens. Perhaps I need to search this forum and see if there is a thread about whats happens in this situation. If I were rushed to Bangkok Pattaya hospital this 200,000 baht would be exhausteed within about 3 days I expect

We are surprised you are shocked(?) when we said use your medical insurance for all large medical problems. The maximium coverage for medical expensies with a 'vehicle insurance' is 500,00 Baht as it is insurance for your vehicle.

You are correct when you say the 200 (or 500,000) would not last long in the BKK Pattaya hospital but then that is why you have medical insurance - to pay for the 'extra'. If you do not have insurance or able to beg/borrow/steal the amount they will require then the hospital will move you to another. Not wanting to rake up old stories but we have all heard the fatal results that can have.

[dsfbrit]

So the maximum medical insurance amount that I can insure is 500,000 baht? Is that the 'law' in Thailand or simply the maximum that insurance companies will allow.

On your insurance site for Travel Insurance - there is medical cover ranging from 1 million to 3 million baht.

Thats seems more realistic for a serious accident and the sorts of limits it would be nice to be able to arrange through car insurance.

http://insurance.thaivisa.com/our-products...-insurance.html

Hey - if the system in Thailand is that you must have separate medical insurance then fair enough. I would request the maximum 500,000 baht with the car insurance in that case.

I have made a request via your online form - could you please include the 500,000 baht with the other details I gave you.

Thanks a lot..

edit: sadly the worst stories I have heard are when people are rushed to Bangkok Pattaya hosipital - whether they have money or not

Edited October 5, 2009 by dsfbrit

[ThaivisaInsurance]

So the maximum medical insurance amount that I can insure is 500,000 baht? Is that the 'law' in Thailand or simply the maximum that insurance companies will allow.

On your insurance site for Travel Insurance - there is medical cover ranging from 1 million to 3 million baht.

Thats seems more realistic for a serious accident and the sorts of limits it would be nice to be able to arrange through car insurance.

http://insurance.thaivisa.com/our-products...-insurance.html

Hey - if the system in Thailand is that you must have separate medical insurance then fair enough. I would request the maximum 500,000 baht with the car insurance in that case.

I have made a request via your online form - could you please include the 500,000 baht with the other details I gave you.

Thanks a lot..

edit: sadly the worst stories I have heard are when people are rushed to Bangkok Pattaya hosipital - whether they have money or not

We have already emailed back to you. Whatever vehicle, motorcycle etc you may have, you still need medical insurance. Nobody (unfortunately) is bullet proof and it's only a question of 'when' not 'if'.

[dsfbrit]

Thanks for that - getting back so promply. I will take your recommendation and stick with my current insurance then. I guess its one of the 'oddities' of Thailand that older vehicles cannot get genuine Toyota parts fitted and Toyota dealers to fit them.

Oh well - never mind.

Thanks again

[ThaivisaInsurance]

We are always here

[soihok]

Just insured our 3 litre , 4 door Vigo ( 2006) again with LMG.

Surprised that the value they insure it at is 450,000.

We have had a hefty claim though, and their rep found his way out to the middle of nowhere to look at the motor embedded in a tree.All paid for , we did,nt pay for the removal, but they have bumped up our premium.

The repair shop worked wonders .

20,000 baht for first class insurance.

[ThaivisaInsurance]

Just insured our 3 litre , 4 door Vigo ( 2006) again with LMG.

Surprised that the value they insure it at is 450,000.

We have had a hefty claim though, and their rep found his way out to the middle of nowhere to look at the motor embedded in a tree.All paid for , we did,nt pay for the removal, but they have bumped up our premium.

The repair shop worked wonders .

20,000 baht for first class insurance.

Sounds a tad on the high side - let us quote on it next year when you get your renewal notice and we'll see what we can do for you.

[dsfbrit]

Just insured our 3 litre , 4 door Vigo ( 2006) again with LMG.

Surprised that the value they insure it at is 450,000.

We have had a hefty claim though, and their rep found his way out to the middle of nowhere to look at the motor embedded in a tree.All paid for , we did,nt pay for the removal, but they have bumped up our premium.

The repair shop worked wonders .

20,000 baht for first class insurance.

I hope you got out of the tree OK and no one was hurt.

I looked up LMG and found this:

'LMG Insurance is part of Liberty Mutual Group...'

I used to be with Liberty, but switched after the first year so I could have Genuine Toyota parts and repaired by a Toyota dealer. Did a Toyota dealer do the work? Genuine Toyota parts?

What is the medical cover amount on this policy?

[soihok]

Thanks for the replies.

The dealer was,nt Toyota but they did a very good job, parts were genuine as we visited several times to see the progress being made.

No one was hurt in the accident, only our premium took a beating ......thankfully.

Medical cover is 1 million per passenger.

Up to 10 million for third party.

Bail bond etc, etc.

I did think it was exspensive also, but looking at the crash etc, etc, the service that was provided by this company was very good.

[dsfbrit]

Thanks for the replies.

The dealer was,nt Toyota but they did a very good job, parts were genuine as we visited several times to see the progress being made.

No one was hurt in the accident, only our premium took a beating ......thankfully.

Medical cover is 1 million per passenger.

Up to 10 million for third party.

Bail bond etc, etc.

I did think it was exspensive also, but looking at the crash etc, etc, the service that was provided by this company was very good.

Sounds pretty good - the medical cover looks good at 1 million baht - certainly worth the extra premium. My premium only gives 200,000 baht. About the price of plaster and a night in a room at the Bangkok Pattaya hospital

Are you sure about the medical cover - I have just reread the previous replies and ThaiVisaInsurance said it was a maximum of 500,000 baht as it was for the vehicle???

Did you actually need any medical attention ?

Did an ambulance turn up anyway?

[ThaivisaInsurance]

Thanks for the replies.

The dealer was,nt Toyota but they did a very good job, parts were genuine as we visited several times to see the progress being made.

No one was hurt in the accident, only our premium took a beating ......thankfully.

Medical cover is 1 million per passenger.

Up to 10 million for third party.

Bail bond etc, etc.

I did think it was exspensive also, but looking at the crash etc, etc, the service that was provided by this company was very good.

Quite correct but that is Third Party expenses, not your own

What dsfbrit is worried about is his own medical expenses,

[soihok]

Yes you are quite correct.

The amount is Third Party.

Motor is insured for 450,000 total loss, accident fire and theft.

Mecical is only 100,00 per person (6).

Bail bond 200,000.

Sorry for the mishtake.

[katabeachbum]

Yes you are quite correct.

The amount is Third Party.

Motor is insured for 450,000 total loss, accident fire and theft.

Mecical is only 100,00 per person (6).

Bail bond 200,000.

Sorry for the mishtake.

Medical 100k is close to nothing and 200k bailbond is a joke. My bailbond is 2 mill baht. Normally required bailbond is 1/3 of what you are accused of.

[JoePai]

Yes you are quite correct.

The amount is Third Party.

Motor is insured for 450,000 total loss, accident fire and theft.

Mecical is only 100,00 per person (6).

Bail bond 200,000.

Sorry for the mishtake.

Medical 100k is close to nothing and 200k bailbond is a joke. My bailbond is 2 mill baht. Normally required bailbond is 1/3 of what you are accused of.

Would not like to know what sort of trouble you expect to get into - certainly nothing to do with motoring will cost that amount !

[dsfbrit]

My Bailbond is 200,000 baht. I have no idea if that is enough.

It would seem if I am in a 5 car pile up and they think its my fault - this could be very low indeed and I would have to find the rest of the bail amount above 200,000 baht.

Something else to ask the insurance company whilst I am looking into this!

Edited October 9, 2009 by dsfbrit

[katabeachbum]

Yes you are quite correct.

The amount is Third Party.

Motor is insured for 450,000 total loss, accident fire and theft.

Mecical is only 100,00 per person (6).

Bail bond 200,000.

Sorry for the mishtake.

Medical 100k is close to nothing and 200k bailbond is a joke. My bailbond is 2 mill baht. Normally required bailbond is 1/3 of what you are accused of.

Would not like to know what sort of trouble you expect to get into - certainly nothing to do with motoring will cost that amount !

Casualty is usually 1 mill baht bail if you are to blame. and as a farang you usually are.

A friend wrecked his bike into another bike . Thai died. huge bail, but forget if it was 1 or 2 mill baht, actually i think it was 1 mill in policestation and 1 mill at prosecutor. 200k is kinda short, and you only have a couple of hours to pay if you want to avoid monkeyhouse.

having 2 beer and hitting a VIPs Ferrari could make you need more than 200k bail too

[dsfbrit]

Ooer - luckily I dont drink anymore - so not much chance of that. Mind you 200,000 baht is beginning to sound quite low. I have not had a reply back from my insurance company yet to see if I can increase this.

[RubbaJohnny]

Interesting correspondance

I'll think I'll stick to walking and taxis until Siam introduces Oz sceme wjere mn 3rd party is on vehicle rego

This means you cannot be hit by an uninsured driver

Here I see hundreds of uninsured kids on bikes each day

They have no contract so whe they hit you your car or kid no one to sue plus these premiums are way beond what village truck drivers have so may be worth it yet

Happy motoring its the grog thats fatal and 2nd hand copy parts!

[phil2]

ThaiVisaInsurance could you please give some more feedback on this. I am quite happy to go to your office in South Pattaya - I have been there before. However, I have a few weeks yet to look into all this and really could do with some help.

I find it pointless going to any insurance office before I know what it is I want!

As I asked above, if I have an accident I need to know how much I could increase medical insurance to - what is a 'typical' figure in your experience.

Also, how can I know where I would be taken by the ambulance. I get the impression an ambulance arrives and depending on who has 'bribed' them the most - that is the hospital I will be taken to. If I am conscious then I can perhaps influence this decison. If I am unconscious - then what??

I am not used to this - as in the UK we have the National Health Service and we just get taken to the local NHS emergency room.

edit: recently I took my Thai wife to the Queen Sikrit hospital in Sattahip. The service was excellent. She needed an eye scan for her driving license. The cost was half of that of the Bangkok Pattaya hospital. This cost was the same for her or a farang as it was a 'specialist' service. The point I am making - is that in an accident I would be happy to go to a local government hospital and pay the 'farang' rate for the emergency treatment and then go to a private hospital later on if necessary - how can I make that happen???

Well, I wanted a quote for a brand new Proton I'm taking delivery of pretty soon, and up till now I haven't heard anything from them beside the health insurance quotes they sent me, which I didn't request for.

[phil2]

Just insured our 3 litre , 4 door Vigo ( 2006) again with LMG.

Surprised that the value they insure it at is 450,000.

We have had a hefty claim though, and their rep found his way out to the middle of nowhere to look at the motor embedded in a tree.All paid for , we did,nt pay for the removal, but they have bumped up our premium.

The repair shop worked wonders .

20,000 baht for first class insurance.

They quoted me 20,000 for a brand new Proton, but the value was about 100,000 short of what I'm having financed.

[katabeachbum]

Just insured our 3 litre , 4 door Vigo ( 2006) again with LMG.

Surprised that the value they insure it at is 450,000.

We have had a hefty claim though, and their rep found his way out to the middle of nowhere to look at the motor embedded in a tree.All paid for , we did,nt pay for the removal, but they have bumped up our premium.

The repair shop worked wonders .

20,000 baht for first class insurance.

They quoted me 20,000 for a brand new Proton, but the value was about 100,000 short of what I'm having financed.

Normally you get to insure 80% of purchase price at 2,5-3%. 600k purchase, insured for 480k, should cost 12000-14400 baht, depending on company and other cover like 3rd party, bailbond, etc.

When you buy a new car on finance, you normally dont get to choose insurancecompany the first year.

[soihok]

I can only think that the premium was inflated so that the company recovered some of the repair bill, as you are saying that I should have been looking at around 14000 ish.

Anyway its all paid for already, I know that I can count on their service as its tried and tested.

Next year I,ll look for other quotes.

By the way KBBum,, do you have any experience of a company that will put up a substantially larger bail bond for the same premium I paid ?