Car Insurance Type 1

Car insurance type 1 offers extensive coverage for damages to your vehicle caused by accidents, whether or not a third party is involved.

• Example: The insurance will cover the repair costs if you collide with a tree and damage your bumper and hood.

It also covers damages from accidents involving a third party.

• Example: If you accidentally hit another car while reversing out of a parking space and damage your bumper, the insurance will cover the repair costs.

Car insurance type 1 includes coverage for damages caused by natural disasters, such as flooding, ensuring your vehicle is protected if it becomes significantly damaged and undrivable.

• Example: The insurance will cover the repair costs if a tree falls on your vehicle during a strong thunderstorm.

It also protects against vehicle fires, covering both mechanical and cosmetic damages.

• Example: If a utility pole falls and sparks an electric fire that damages the exterior and interior of your car, the insurance will cover the repair costs.

Protection in case of car theft or the car is broken into, damaged in the process and items or parts of the vehicle are stolen.

• Example: If a thief breaks the car window in order to get inside your vehicle and steal the display panel or audio system of your vehicle.

Type 1 car insurance provides high coverage for damages to a third-party vehicle and any bodily injury or loss of life caused by the insured during a car accident.

• Example: If you hit another vehicle and cause damage to the third-party vehicle and injury to the driver requiring medical attention, the insurance will cover the costs.

Protection for any bodily injuries or any medical expenses related to a car accident.

• Example: If your car is hit from the side, breaking the window and causing glass cuts that require minor medical treatment, the insurance will cover the medical expenses.

Excess insurance, also known as a deductible, can help reduce your type 1 insurance premium and encourage you to avoid making unnecessary claims, preserving your good driving record.

A No Claims Bonus (NCB) is a discount applied to auto insurance policies when no claims are filed. To qualify:

• You must not have filed a claim against your own insurance.
• There must be no third-party claims made by others.

This bonus can save you up to 50% on insurance premiums after five years of claims-free driving. However, even not-at-fault accidents can eliminate the NCB. Therefore, it’s often beneficial to pay for minor damages out of pocket to maintain your No Claims Bonus and keep your auto insurance rates low.

Deciding on a repair garage depends on your preferences and trust in the service. Here’s a breakdown to help you choose:

• Preferred repair garage: Most insurers offer a network of pre-selected garages. These garages have established relationships with the insurer, ensuring quality repairs at lower costs, often included in your policy at no extra charge.
• Dealer garage: Some insurers allow you to upgrade to a dealer garage for a small additional fee. Dealer garages are typically more expensive but offer specialized services and parts specific to your vehicle’s make and model.
• Any garage: For maximum flexibility, you can upgrade your policy to allow repairs at any garage of your choice. This option usually comes with a higher fee but gives you the freedom to select a repair shop you trust the most.

Why additional fees? Sticking with preferred repair garages ensures guaranteed quality and cost-effective repairs. Choosing dealer or any garage options may incur extra costs due to higher repair expenses outside the insurer’s preferred network.

Ultimately, the best choice depends on your comfort level with the repair service and your willingness to pay extra for flexibility.

Choosing between a named driver or any driver for a type 1 policy depends on who will be driving your vehicle. Here’s a clearer breakdown:

• Named driver: Add up to two additional drivers to your policy, maintaining the same level of coverage. This option ensures multiple drivers can use your vehicle without compromising protection, subject to each insurer’s terms and conditions.
• Any driver: Upgrade your policy to cover any driver by paying a higher premium. This option provides maximum flexibility, allowing anyone to drive your vehicle with full coverage.

Key points to consider:

• If an unnamed driver causes liability or damage, insurance companies cannot deny coverage. However, you must pay a THB 6,000 deductible for the damages, as required by law.
• No deductible applies if the damage is caused by an identifiable third party.
• For damage to third-party property, you are responsible for a THB 2,000 deductible.

If you frequently share your car with multiple family members, opting for any driver coverage ensures everyone can drive the vehicle without being listed on the policy. While this increases your premium, it guarantees comprehensive protection regardless of who is driving.

Choosing the best option depends on your specific needs and who will be driving your vehicle. Upgrading to cover any driver offers the most flexibility but comes at a higher cost.

The process for making an insurance claim can vary depending on your insurer and their specific guidelines. For detailed instructions, please visit our How to Claim page, which provides information on the claim procedures for the most popular insurance brands in Thailand.

If you need assistance in selecting the right type 1 car insurance policy, feel free to contact MrKumka. We are happy to discuss the details of each insurance brand and coverage option to help you find the best quotes that suit your needs.