Type 1 Car Insurance in Thailand

What does Types 1 Car insurance cover?

1. Accidents involving no other parties involved.

Type 1 car insurance provides coverage for accidents that do not involve other parties, such as collisions with non-vehicle objects. This includes situations where the responsible party cannot be identified or in cases of hit and run incidents. Unavoidable accidents like driving into a tree, hitting the edge of a fence, or having a stone thrown at the car's windshield, will be covered under the policy based on the chosen sum assured.

2. Accidents involving collisions with another party.

In the case of a car crash involving another party, where both vehicles collide, you can file a repair claim for your car. The claim will be processed based on the selected sum insured for your policy.

3. Protection against car theft.

Type 1 car insurance provides protection for your car against theft. If it can be substantiated that your car has been lost due to theft and cannot be recovered, it will be covered according to the specified sum insured in your policy.

4. Protection against car fires.

First-class car insurance offers coverage in the event of a car fire, subject to the conditions specified in the car insurance policy. It's important to note that car insurance type 3 and car insurance type 3+ do not provide coverage for car fires.

5. Protection against car flooding.

First-class insurance includes coverage for car flooding. However, this coverage applies specifically to flash floods or floods caused by natural disasters, where the car cannot be moved to a safe location in time. In such cases, the insurance company will provide compensation for the damage sustained by the insured vehicle, up to the sum insured specified in the policy and subject to the conditions outlined in the policy.

6. Protection against the impact of terrorism.

Residents of the four southern provinces, which are considered high-risk areas, are provided with coverage to mitigate the effects of terrorism.

7. Protection for the lives of drivers and passengers.

In the unfortunate event of the death or permanent disability of a driver or passenger within the insured vehicle, damages will be covered under this section. First-class insurance extends its protection to both parties involved and third parties as well.

8. Medical treatment for drivers and passengers.

First-class insurance provides coverage for the medical expenses of the driver and passengers inside the car. This coverage extends to medical treatment at the scene and is subject to the sum insured specified in the policy.

9. Bail for the driver in criminal cases.

In the event of a car accident that leads to a criminal case requiring a court appearance, the company will cover the driver's bail expenses. The amount of coverage will depend on the sum insured selected, and the coverage is subject to the conditions specified in the policy.

10. Coverage for accidental property damage.

The company will provide compensation for the repair costs of the other party's vehicle and any property damage resulting from accidents. However, the company's liability will not exceed the sum insured specified in the insurance policy.

11. Coverage for medical expenses exceeding the Act.

Class 1 car insurance provides coverage for medical expenses in the event of injury or death caused by the insured car. It will cover medical expenses that exceed the coverage provided by the Compulsory Act.