last february i took lmg insurance in bangkok thailand out on a honda city i took the more expensive insurance because of what the LMG sales told me they told me. that i would pay 0baht excess which was one of the things i wanted i also wanted my car to go to a main dealer only honda where i live if i had an accident or damage was done to my car .they said yes no problems to all above then i recived my insurance documents which i read and no mention of an excess so i has happy .in october someone scratched my car causing damage of 36000 baht i then called LMG IN Bangkok and was told to take my car to honda so i did then LMG Thailand called me and told me that i would have to pay 6000 baht excess i then told them i don't have an excess i took the insurance out asking for no excess and you agreed LMG have told me that i must pay 1000baht per scratch done to my car ..I have been calling LMG bangkok for many days with callers hanging up on me not getting back me mangers in meetings ....so a warning to anyone geting LMG INSURANCE ..ANYONE ELSE HAD PROBLEMS ??? if so how to get hold of the complaints ???in bangkok?

Marc

36k seems like a lot to fix a scratch!

about 5k I would have thought.

That must be one hell of a "scratch". 36K sounds more like major body work (ie "scratch" you can stick your arm through)

yeah 36000 parked the car on a bridge coz of the floods for 2 days and someone scratched 16 cars down both sides bonnet and boot total repray needed!!

From what I understand from passed experiences that they charge you an excess when you have damage and there is no other party known.

However the charge is per claim, not per damage amount of scratches .As in your case the charge is pretty high it might be a percentage on the total amount.

So in fact if you report a hit and run they will deduct you a certain amount like 1000 or 2000 Baht,while if you say that you did the damage yourself as you hit your house gate you will have no charge.

i see but no mention of excess on my documents and i did ask before i paid for my insurace about the excess they said no excess ..see what happens in the next few days

Stay away from LMG I had health insurance with them . All good when you pay the fee but wait till you need to claim something .Then they will look everything in detail to find something not to pay out

Wow, good heads up on LMG. Thanks

Blame the Office of Insurance Commission (OIC) for the 1,000 baht you have to pay. They do it out of fairness to the insurance companies. (Sometimes they help them. Sometimes they help you.) Had you had an accident where you weren't at fault and knew who was, you wouldn't have been charged that 1,000 baht. The insurance company would have had to collect cost for the damage themselves. Whether they could collect the money from the guilty party, or not, is not your problem. You did your job by directing them to the guilty party. (Ok. You need their license plate and/or a copy of the police report identifying the scratcher). The point is, you only have to pay if you are considered to be at fault. You are considered to be at fault if you can't identify the person who is. The Terms & Conditions of all auto insurance policies now have this clause. It doesn't matter who the auto insurer is.

I got that with Thanachart two years ago, but that was 1,000 per side of the car.