Car insurance in southern Thailand

[redfish44]

Hi,

Does anyone have car insurance that covers them in the southern provinces? Particulatly Pattani.

I am trying to get new insurance for our d-max.

I have found out that AXA won't cover 3 southern provinces, yet say they cover all of Thailand.

The reason they give is that they don't have reps there to assess accidents. Made sense but then not. Doesn't make sense for a minor accident (does that mean need to stay on an expressway in bangkok until an AXA rep appeared on the scene even if you could drive off the expressway to a safer place?) or even a big one if a truck squashed the car - a police report and photos should be evidence?

I see LMG website has dry vs live claims.

I wonder what insurance those in Songkhla etc use?

We have family there so sometimes have to drive there, but not often. I want the car to be covered in case of crash on the way in and out of the village.

[transam]

Try AA Insurance Brokers (Thailand) via email, they speak and email in English.

[redfish44]

AA qouted me for AXA.

I asked Chaz also and they actually phoned and are looking into it.

Anyone have coverage in the south?

[redfish44]

Shame as AXA rep Khun Runya was really helpful.

AXA have no policy wording in english either so only found out by asking for specific exlusions.

QBE rep not as good at english but has emailed a policy document in english and say they have no Pattani rep but to call Bangkok office if accident.

Reading it now.

No reply from LMG.

[stevenl]

Shame as AXA rep Khun Runya was really helpful.

AXA have no policy wording in english either so only found out by asking for specific exlusions.

QBE rep not as good at english but has emailed a policy document in english and say they have no Pattani rep but to call Bangkok office if accident.

Reading it now.

No reply from LMG.

You may be happy with the AXA rep, but this "AXA have no policy wording in english either" is simply not trtue. I am insured with AXA, and have an English policy and conditions.

[redfish44]

You may be happy with the AXA rep, but this "AXA have no policy wording in english either" is simply not trtue. I am insured with AXA, and have an English policy and conditions.

 

How did you get that? Via a broker?

I had english for our travel insurance with AXA.

[stevenl]

You may be happy with the AXA rep, but this "AXA have no policy wording in english either" is simply not trtue. I am insured with AXA, and have an English policy and conditions.

How did you get that? Via a broker?

I had english for our travel insurance with AXA.

Yes, AA Insurance. AXA has them, so maybe your rep did not know?

[redfish44]

AXA lady is adamant no cover in the south or english policy so can't see how I can get coverage without her losing face.

AA never phoned me but Chaz did and are asking around.

Edited for typos

[redfish44]

You may be happy with the AXA rep, but this "AXA have no policy wording in english either" is simply not trtue. I am insured with AXA, and have an English policy and conditions.

 

Stevenl - can I ask you too have a look is

Your AXA policy covers the 3 southern provinces?

Or are they listed under exclusions as part of the red zone?

[stevenl]

You may be happy with the AXA rep, but this "AXA have no policy wording in english either" is simply not trtue. I am insured with AXA, and have an English policy and conditions.

Stevenl - can I ask you too have a look is

Your AXA policy covers the 3 southern provinces?

Or are they listed under exclusions as part of the red zone?

Yes, can check, but that will be this evening.

[stevenl]

Sorry, forgot to check last night, and again did not take the car but the bike this morning. So my information will have to wait till tomorrow.

[anon210]

Actually, LMG's policy excludes terrorism, riots and natural disasters. Tough luck, as Pattani is particularly exposed on the first one.

[stevenl]

Forgot, have the policy in my email.

On the policy pages no restrictions, the whole of Thailand covered. Will check the full conditions later at home.

[stevenl]

Just checked, and: the lady could be right. I have the policy in English, and a brochure in English, but the policy conditions are in Thai. So sorry, my information was not correct.

Why don't you call their office in Hat Yai, they should be able to tell you if they cover in the area, 074 346670-2

[redfish44]

Thanks for looking!

I have gone with QBE as they say if I have an accident in Pattani just call Bangkok and they will contact people from there.

They also have a reasonable looking policy doc in good english.

Friend also recommended them after they had an accident on songkran and the call centre spoke fluent englush and sorted it all out fine.

Driving in Pattani - the most probable accident is actually getting hit by an insane bus speeding through. All the checkpoints and lower economics mean those with cars usually have licenses and want to look after them, and the military and police presence etc also mean generally people don't drive as crazy as elsewhere (except buses). I found it much calmer and easier to drive there than Krabi.

Also discovered LMG have policy identical to QBE and cheaper (found out after accepted qbe). In case anyone else was curious. AA also had another option with a conpany I hadn't heard of but I had already accepted qbe.

[mogandave]

It has been my experience that if it is not in writing, you don't have it.