Did You Know?

A: If you wish to upgrade your protection to a higher level of cover than your current policy (changing any of Compulsory, type 3, type 2, type 3+, type 2+ to type 1) we will need to arrange for a car inspection. A policy can be issued subject to inspection taking place within 7 days of the date of issuance. If the car inspection cannot be carried out within the 7 days, the policy will be cancelled with effect from the date of inception and the premium paid will be refunded.

A: No, your policy will not cover modifications. Your policy will only cover the original standard equipment by the maker or distributor and we can decide whether to replace or repair these items or pay you the cost to do on your own.

A: Policies cover your car's accessories and spare parts as long as these were fitted as standard equipment by the maker or distributor at the time your car was originally bought and they were on your car at the time of the accident, loss or theft. These items may be either replaced or repaired or you will be paid the cost to do so on your own. If you wish to cover subsequently added accessories, you must seek approval in advance. However, this will depend on the type of plan you have.

A: In Thailand, the range of cover of voluntary insurance varies from full comprehensive cover to more limited covers and are referred to as Types:

Type1 Car insurance

Also known as full Comprehensive Insurance, this is the most popular voluntary cover owing to a high frequency of vehicle damage in Thailand. Type 1 insurance covers Own Vehicle and Third Party Property Damage and Bodily Injury and loss due to Fire and Theft and Natural Disasters like flood. It also specifically covers Window Breakage and Towing expense.

A: Your policy only covers you when your car is in Thailand.

A: 1. Private use : You are only using your car in the course of your private life and for leisure.

2. Private use and commuting to work : You are also using your car to go to and from your office.

3. Private and business use : You are also using your car for and during the course of your work.

A: An excess is the amount that you must contribute towards the cost of a claim. The type of excess and the amount payable will be shown on the Schedule. If you make a claim, you will have to pay us any excess that applies. The excess in your policy only applies to own damage and windscreen claims.

A: Here are a number of ways you can cut costs on your premium:

1. Select from our 5 plans according to your needs including your premium level

2. Opt to pay a higher excess. The higher the excess the lower the premium (only applies to our type 1 plan).

3. Bear in mind that performance oriented cars will cost more to insure when purchasing a new vehicle

4. Only choose the optional extras you need as they will cause your premium to increase

A: Yes, with full year coverage of Type 1, Type 2+ and Type 3+ plans you can pay via instalment payment plan. The instalment plan is not available for Type 2, Type 3, Compulsory Third Party Only, or any policy that insures for juristic person or business. You can apply for monthly instalments by contacting our Customer Care team on 02-767-7777. Once securely applied, our system will automatically charge monthly on the card until completion of 10 instalments.

A: To start your policy, the first instalment will be 3 months of premium (including tax and duty stamps). The remaining premium will split into equal amounts and deducted every month on the same date on which the premium of the first intalment was paid. You can check out details of the instalment payments from the Statement of Account (SOA). You will ne notified via e-mail automatically every time a premium payment is successfully made and told your accrued balance. You will receive a receipt and Tax Invoice when the premium payment of every instalment due is completed.

A: 1. Your chassis number and License plate number.

2. Your credit card/Debit card details.

3. Your Thai National ID card number or Passport ( for foreigners ) and that of your named drivers.

4. Your previous policy renewal notice, if you want to transfer your NCB to a new car.

A: After completed check out, you will receive a confirmation email with a transaction number. This confirms that we have received your order. If there is a problem with your payment, you will receive a call from Customer Care. Otherwise, your order will be processed, and we’ll send official receipt and policy to address you provided.

A: Your car insurance premium is based on a number of factors including driver profile which looks at your age, driving experience, No Claim Bonus and the number of young and/or inexperienced drivers named on your policy. Other factors are the car's make, model and age. The excess you choose will also affect your premium. The higher the excess, the lower the premium. (Note: This only applies to type 1 plans). Any optional benefits you choose will also affect your premium.

A: No Claim Discount (NCD) is a discount on your premium if you haven’t made any claims on your policy during the current period of insurance or made claim but not at fault. The amount of discount rises each year as follows:

One year: 20%

Two consecutive years: 30%

Three consecutive years: 40%

Four consecutive years: 50%

To be entitled to this discount you need to have been insured at least 12 months.

A: Yes, we offer fantastic value for new cars. You just need to tell your car dealer that you will be arranging car insurance yourself. If a dealer offers you other insurance, you can at least get a quote with DirectAsia.com before you commit, it only takes a few minutes online or by calling us at 02-767-7777