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Anyone know if home contents (theft / fire) insurance available?


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Posted

I'm with Viriyah for my vehicle and had a look on their website but they only seem to insure building against fire?

Anyone have any information or is it unviable similar to health insurance here? Want to insure contents for around

400,000THB. Our property is secure and we have a local alarm system.

Posted

OP I am insured via the above broker but I had to push to get a number of different quotes to compare exactly what they are offering - all done via email so not a huge issue.

As with all insurance I would strongly suggest reading the small print carefully of whichever policy you decide on. It can sometimes take a while to get an electronic version of the full policy.

Posted

Kenny202: Almost every Thai insurance broker sells proper house insurance. It is not only for fire. It is a set fee for certain classes of house insurance. I use the services of a bi-lingual, dual citizen, born in Thailand, educated in Bangkok at the American School, fully licensed Farang insurance broker from Phuket. The forum sponsor should be able to offer you proper insurance that will cover contents insurance including for "electrical fire". I've made a claim and had it paid 100% in full for an "electrical fire" all due to bad outdoor cable (not NYY) in the wrong conduit. Every insurance policy can be provided in English for any customer in Thailand by a responsive insurance broker. Now if you want to list jewelry, expensive electronics, art work, etc. there is a process and a cost associated, but certainly possible with some limits. The liability insurance and how much your policy will pay the fire department is a real consideration in my observation. A huge savings can be obtained if you pay for three years or five years in advance on home owners insurance. You will leave the insurance company no "wiggle room" if you have a signed "permit to build" that shows the actual approved size of your home, and that your home had an approved electrical plan. That 300 baht "permit to build" firmly establishes many things including insurance "questions". The name on the insurance policy establishes who gets the payment of any claims, irregardless of who paid the premium. The Thai Safety Insurance company paid my claim directly to my Bangkok bank account when I made a claim.

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