Car / Motorcycle

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Cars and Motorcycles serve as common means of transportation in Thailand, rendering them practical choices for everyday transportation, and ranking as the fifth essential component of life for Thai citizens. Our collection of comprehensive insurance products for cars and motorcycles underscores our understanding of your attachment to your vehicle.

Damage to the car or motorcycle body

  1. Collision with no third-party vehicle involved. The insurer will pay for damage to your vehicle, which occurs during the policy period where there is a collision not involving a third-party vehicle.
  2. Collision with a third-party vehicle involved. The insurer will pay for damage to your vehicle, which occurs during the policy period where there is a collision with an identified third-party vehicle.

Car or motorcycle theft / fire /natural disaster

  1. Theft: The insurer will compensate damage incurred during the period of insurance as a result of theft or attempted theft of your vehicle.
  2. Fire: The insurer will compensate damage (total or partial) to your vehicle incurred during the period of insurance as a result of a fire.
  3. Natural disasters (including flooding): The insurer will compensate damage incurred during the period of insurance as a result of a natural disaster (flood, earthquake, lightning).

* The maximum amount which the insurer compensates is the sum insured declared in your policy.

Third-Party Liability

  1. Third-Party Property Damage Liability: The insurer will compensate damage to third-party property caused by your vehicle that occurs during the period of insurance.
  2. Third-Party Liability for Injury or Death: The insurer will compensate any impact to the life or health of a third party as a result of accident caused by your vehicle during the policy period.

Additional coverage

  1. Medical expenses: The insurer will compensate medical expenses as a result of injury, permanent disability or death caused by your vehicle.
  2. Personal accident coverage: The insurer will compensate death, permanent loss of hands or vision and permanent disability to the driver and passengers caused by your vehicle.
  3. Bail bond coverage: When the driver is detained by police for an accident that results in injury or death, the insurance company will promptly take action to bail the driver at the amount requested by the investigating officer.

Damage to the car or motorcycle body

  1. Third-Party Property Damage Liability: The insurer will compensate damage to third-party property caused by your vehicle that occurs during the period of insurance.
  2. Third-Party Liability for Injury or Death: The insurer will compensate any impact to the life or health of a third party as a result of your vehicle during the policy period.

Theft and Total Loss Insurance

  1. Theft of the whole vehicle. The insurer will compensate 100% of the sum insured declared in your policy.
  2. Total Loss from collision accidents. If the repair cost or damage exceed the percentage stated in the policy, the insurer will compensate 100% of sum insured declared in the policy.
  3. Personal Accident (PA) 24 hours within Thailand. Covers death from any accidents, except sickness and murder, throughout the coverage period. The insurer will compensate 100% of the sum insured declared in your policy.

Manufacturer Extended Warranty

  1. This is an additional insurance product to cover motorcycle repairs due to mechanical breakdown. It covers the expenses of repair components (including labor cost) under the warranty terms and conditions in accordance with the manufacturer warranty period.
  2. The repairs assumed by the insurer are those that turn out to be necessary for a breakdown or mechanical or electrical incident of sudden and unforeseen origin, excluding all the operations of maintenance, adjustment and tuning, as well as all those breakdowns or incidents that are a consequence of the normal use and wear of the vehicle.
  3. This coverage starts after the manufacturer’s official warranty expires (maximum 3 years from the purchase date or mileage reaches 30,000 km (whichever comes first)).
         1 year or when the mileage reaches an additional 10,000 km after coverage starts
         2 years or when the mileage reaches an additional 20,000 km after coverage starts
    The maximum repair cost amount the insurer will compensate is the sum insured declared in your policy.