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Motor Insurance

Motor Insurance provides coverage for an insured vehicle. When an accident occurs, causing damages to the car or lives, bodies or property of a third party and passenger(s), the insured will be indemnified for damages in the amount agreed to in the insurance policy.

How many types of Motor Insurance policies are there? How are they different?

Motor Insurance is divided into two types, these are:

  1. Compulsory Motor Insurance, which is required by law for every car under Thailand’s Road Protection Act, B.E. 2535. Failure to comply carries a maximum fine of 10,000 Baht.
  2. Voluntary Motor Insurance allows the insured to choose coverage as appropriate, or according to the risks of vehicle use.

1.What is covered by compulsory Motor Insurance?

Coverage for damage to life, body and/or health resulting from an automobile accident, as detailed below: a. Initial payments, without proof of guilt

  • Medical expenses for injuries (paid as per actual expenses) Baht 15,000 per person
  • Death, loss of limb or permanent disability Baht 35,000 per person
b. For damages exceeding initial amounts, the victim will receive such amount after proof of guilt is determined that the victim is not legally liable. The coverage plus initial damages are as follows
  • Medical expenses for injuries Baht 50,000 per person
  • Death, loss of limb or permanent disability Baht 200,000 per person
  • Daily compensation of 200 Baht for up to 20 days if hospitalized as an inpatient at a medical facility up to Baht 4,000 per person
  • The maximum coverage for items 2.1, 2.2 and 2.3 combined up to Baht 204,000 per person

2.What are the options for Voluntary Motor Insurance plans?

Voluntary Motor Insurance is offered in 5 policy Plans, as follows: Policy Plan 1 provides coverage for:

  • Liability for damages to life, body or health of a third party
  • Liability for third party property
  • Liability for loss of or fire to the insured automobile
  • Liability for damages to the insured automobile.
Policy Plan 2 provides coverage for:
  • Liability for damages to life, body or health of a third party
  • Liability for third party property
  • Liability for loss of or fire to the insured automobile.
Policy Plan 3 provides coverage for:
  • Liability for damages to life, body or health of a third party
  • Liability for third party property.
Policy Plan 4 provides coverage for:
  • Liability for third party property of Baht 100,000 per occurrence.
Policy Plan 5 provides coverage for specific hazards. Plan 2+
  • Liability for damages to life, body or health of a third party
  • Liability for third party property
  • Liability for loss or fire to the vehicle body
  • Liability for damages to the insured automobile in case of an accident with a land vehicle(s).
  • * In case of an accident with a land vehicle(s) and the insured is at fault, the insured shall be responsible for initial losses of up to Baht 2,000 for damages to the insured automobile.
Plan 3+
  • Liability for damages to life, body or health of third party
  • Liability for third party property
  • Liability for damages to the insured automobile in case of an accident with a land vehicle(s).
  • * In case of an accident with a land vehicle(s) and the insured is at fault, the insured shall be responsible for initial losses of up to Baht 2,000 for damages to the insured automobile.

Comparison on the Coverage for Each Type of Voluntary Motor Insurance

Motor Insurance Plan

Motor Insurance Type 1

Fully cover of all the accident

Allianz Car Insurance Type 1 is the most comprehensive car coverage available for drivers in Thailand. This first class car insurance type is equivalent to “Fully Comprehensive” car insurance which offers full coverage that is mandated by the Thailand government.

Allianz Best car insurance protects you from uncertain situations during your journey on the road. The coverage goes along with you and your beloved. Fully claimable damages (both caused by others and to other parties). You will be insured against shattered glass, hit by a car, broken down car, natural disaster, fire, theft & flood.

  • Fully covered by Allianz Motor Type1
  • Let’s get insured Now!

Allianz Motor Insurance Insurance Cover All Risks & Events

The first class Allianz Motor Type 1 provides collision cover for your car - whether you hit a tree, a lamp post, the footpath or another vehicle. You don’t have to worry, as you’ll be able to call in to make a claim for the widest range of incidents.

Get Repair With Car Dealer or Premium Garage*

Allianz Car Insurance Motor Type 1 policy gives you the flexibility to have your car repaired at your car dealer or at a premium garage - as long as your car is less than 3 years old.

Allianz Motor Type 1 Coverage

Main Coverages
  • Allianz Car Insurance covers for accidental damage to your car if you are at fault as well as if you are not at fault in an accident and the other vehicle is uninsured
  • Allianz Car Insurance covers for accidental loss or damage to your car caused by fire or theft.
  • Allianz Car Insurance covers for accidental loss or damage to your car caused by natural disasters including flood, storm and hail.
  • Allianz Motor Type 1 covers for accidental damage or loss to your car (caused by events other than fire or theft)
  • Allianz Motor Type 1 covers for death and injury for drivers, passengers, and third parties, and also covers for third party liability.
Additional Coverages and Services
  • Allianz Motor Type 1 covers for 100% tyre replacement (in case of tyres aged less than 2 years and loss due to accident)
  • Allianz Motor Type 1 covers for 100% battery replacement (in case of battery aged less than 2 years and loss due to accident)
  • Allianz Motor Type 1 covers for 100% vehicle liquid replacement (in case of loss due to accident)
  • Allianz Motor Type 1 provides vehicle towing service (In case of vehicle break down/ flood)
  • Allianz Motor Type 1 provides car spare key (In case of vehicle locked by mistake)
  • Allianz Motor Type 1 provides fuel delivery service (in case of vehicle running out of petrol, insured responsible for fuel payment)
  • Allianz Motor Type 1 covers for additional vehicle parts which does not initially come from factory or car center in maximum insured amount of 20,000
  • Allianz Motor Type 1 guarantees to reach accident site within 30 mins. (If surveyor does not, the customer can redeem a 500 baht voucher)
  • Allianz Motor Type 1 guarantees the vehicle repair duration. (If duration is past the pick-up date, the customer can redeem 500 baht/ day)
Additional Premium Coverages and Services**
  • Allianz Motor Type 1 waives all cases of deductible
  • Allianz Motor Type 1 redeems payment for long-distance accidents  (accommodation fee, transportation fee, or car rental fee)
  • Allianz Motor Type 1 expands the cover area to Malaysia and Laos
  • Allianz Motor Type 1 provides emergency home assistance ie. Air conditioning, plumbing and drainage, home electronic network repair, freeze and water heater repair, lost keys for house, and vermin removal.

* Guarantees surveyors to reach accident site within 30 mins only in Bangkok Metropolitan Region, and the main district/ city in each provinces.

** Coverages is subject to terms and conditions of each coverage plan  

 

Auto Insurance Perfect

Motor Insurance Type 2+, 3+, 3

Compulsory Motor Insurance


Compulsory Motor Insurance (CMI)

Oftentimes, when we think about Motor Insurance, we only consider only Type1 Type2+ Type3+ Type3 the Compulsory Insurance that is mandatory for all vehicles to have.

CMI Provides coverage for third parties involved in an accident - to ensure that they receive proper and immediate medical treatment and compensation.

  • All types of vehicle are required to have CMI and must be renewed yearly before renewing their annual car tax sticker.

What does it cover?

Protected under the Act are the car accident victims.   Whether it’s the pedestrians or anyone who got injured by a car accident, are covered by the following protections:

The primary bodily damages that victims are covered by the Motor Insurance Act  are medical expenses for injuries and death charges. Without waiting for proof, the company will pay the damages to the victim / heirs within 7 days from reports of claim (but shall not exceed 65,000THB).  The received claims will be as follows:

Coverage Summary Insured
Medical expenses (in case of injuries) Up to 80,000 Baht/Person
Death or Permanent disability Up to 300,000 Baht/Person
Total summery coverage up to 304,000 Baht/Person

Additional Coverage after Case Investigation

Apart from normal CMI coverage we also get additional cover for the extra expenses if there is a proof that the subscriber is not the party at fault.

Coverage Summary Insured
Medical expense cover Up to 80,000 Baht/Person
Loss of vital organs, compensation for the injured party 200,000-300,000 Baht/Person
Death or Permanent disability Up to 300,000 Baht/Person
Daily Compensation (Up to 20 Days) 200 Baht/Day Up to 4,000 Baht/Person
Total summery coverage up to 304,000 Baht/Person

Why do we need to have CMI?

CMI is a requirement to renew your annual car tax payments

Every road vehicle in Thailand must renew their CMI yearly before renewing their annual car tax sticker. If you’re apprehended without a valid car tax sticker, you will have to pay a fine. So make sure you get the order right - CTPL first, annual tax second. Allianz General Insurance can help you get your compulsory insurance cover.  Car tax payment are paid separately by the car owner as it’s not currently part of our service.

CMI will also cover medical expenses that third parties have  incurred in a vehicular accident that you are involved in.  This ensures that these third parties receive the necessary medical treatment.

Why still need to have Motor Insurance if already have Compulsory Insurance

The covered under the Compulsory Insurance may not be enough to cover for the expenses that will be incurred, like for example admittance in a private hospital as these may cost more than government hospital. Also Compulsory Insurance does not cover damage on both own vehicle and third party liability. A  premium insurance subscribed with  Allianz General Insurance will help you to cover the cost of insurance premiums and types of insurance, such as  first class insurance coverage, collision coverage, 2+ that cover him and us(only in case of car crash)  or insurance class 3+, but economical protection. And there’s no need for car inspection.

Automobile Insurance

Automobile Insurance provides coverage for an insured vehicle. When an accident occurs, causing damages to the car or lives, bodies or property of a third party and passenger(s), the insured will be indemnified for damages in the amount agreed to in the insurance policy.

How many types of Automobile Insurance policies are there? How are they different?

Automobile Insurance is divided into two types, these are:

  1. Compulsory Automobile Insurance, which is required by law for every car under Thailand’s Road Protection Act, B.E. 2535. Failure to comply carries a maximum fine of 10,000 Baht.
  2. Voluntary Automobile Insurance allows the insured to choose coverage as appropriate, or according to the risks of vehicle use.

1.What is covered by compulsory automobile insurance?

Coverage for damage to life, body and/or health resulting from an automobile accident, as detailed below:
  a. Initial payments, without proof of guilt

  • Medical expenses for injuries (paid as per actual expenses) Baht 15,000 per person
  • Death, loss of limb or permanent disability Baht 35,000 per person

  b. For damages exceeding initial amounts, the victim will receive such amount after proof of guilt is determined that the victim is not legally liable. The coverage plus initial damages are as followsนี้

  • Medical expenses for injuries Baht 50,000 per person
  • Death, loss of limb or permanent disability Baht 200,000 per person
  • Daily compensation of 200 Baht for up to 20 days if hospitalized as an inpatient at a medical facility up to Baht 4,000 per person
  • The maximum coverage for items 2.1, 2.2 and 2.3 combined up to Baht 204,000 per person

2.What are the options for Voluntary Automobile Insurance plans?

Voluntary Automobile Insurance is offered in 5 policy Plans, as follows:

Policy Plan 1 provides coverage for:

  • Liability for damages to life, body or health of a third party
  • Liability for third party property
  • Liability for loss of or fire to the insured automobile
  • Liability for damages to the insured automobile.

Policy Plan 2 provides coverage for:

  • Liability for damages to life, body or health of a third party
  • Liability for third party property
  • Liability for loss of or fire to the insured automobile.

Policy Plan 3 provides coverage for:

  • Liability for damages to life, body or health of a third party
  • Liability for third party property.

Policy Plan 4 provides coverage for:

  • Liability for third party property of Baht 100,000 per occurrence.

Policy Plan 5 provides coverage for specific hazards.
Plan 2+

  • Liability for damages to life, body or health of a third party
  • Liability for third party property
  • Liability for loss or fire to the vehicle body
  • Liability for damages to the insured automobile in case of an accident with a land vehicle(s).
  • * In case of an accident with a land vehicle(s) and the insured is at fault, the insured shall be responsible for initial losses of up to Baht 2,000 for damages to the insured automobile.

Plan 3+

  • Liability for damages to life, body or health of third party
  • Liability for third party property
  • Liability for damages to the insured automobile in case of an accident with a land vehicle(s).
  • • * In case of an accident with a land vehicle(s) and the insured is at fault, the insured shall be responsible for initial losses of up to Baht 2,000 for damages to the insured automobile.

Comparison on the Coverage for Each Type of Voluntary Automobile Insurance

Automobile Insurance Plan