It needn’t be a headache dealing with your motor insurance and online car tax (ต่อภาษีรถยนต์ออนไลน์), in Thailand.
When you choose Roojai as your insurers, our helpful crew can steer you through the options available and help you pick the right level cover for you.
Here are our providers’ top tips for a stress free motoring experience, with regards to insurance and tax.
CAR TAX IN THAILAND MADE SIMPLE
Car tax is relatively straightforward. If a vehicle is under five years old, then you can take the vehicle log book to the Land Transport Office and show you have paid the PRB (compulsory insurance). They give you a sticker to display on your car. The fees are fairly minimal – 300 baht for a bike and approximately 2000 baht for a typical car. This might be more or less depending on the make and type.
To get advice about this, you can go online and check out the department of land transport’s page at https://www.dlt.go.th/en/
OPT FOR TYPE TWO PLUS INSURANCE IF YOU ARE ON A BUDGET
Although we would always encourage drivers to get the highest level of insurance that they can afford, for many we understand the money is an issue.
Therefore, for cash strapped motorists, we heartily recommend type two plus insurance. This offers nearly everything that type one has, but comes in at about a third of the price.
However, be advised that it does not include damage to your vehicle done by anything other than a third party. So if you write your car off your hitting a dog in the road, then it won’t help you much (or Fido for that matter!)
PAY YEARLY NOT MONTHLY
You will get a discount by opting to pay your annual car insurance as a one off annual payment. So if this is at all possible, it will save you money overall by biting the bullet and paying in one go.
This is because insurers take a risk when allowing monthly instalments to be made. There is always the possibility of customers failing to make payments and then being uninsured as a consequence.
Roojai gives 5% off the cost of an annual payment – you’d be mad not to take advantage of it!
BE A SUNDAY DRIVER!
If you only drive on a few days of the week – or you don’t go far, you can take advantage of this to claim a discount on your insurance.
The assumption made by most insurers is that the longer you are on the road for, the more at risk you are.
If you can prove low mileage, then you could be offered a more competitive rate.
BE SAFETY CONSCIOUS
As well as being a safe and careful driver, take extra care to insure your car’s security.
The more precautions you take, the better your premium will be.
Cars which are parked in garages get lower quotes than on road parking does. Premiums will rise considerably for vehicles which are left on the curb of a fast and dangerous roadside.
Do everything you can do to make your car less attractive to thieves. This means fitting an alarm, in immobilizer, locking wheels and so forth.
We would also advise removing all valuables from display through the windshield, as these are advertisements for potential thieves to target your car.
GET A DASHCAM
Dashcams are loved by insurers as they help prove who is at fault for any accident, once and for all.
These help lower the cost of insurance for everyone, by reducing dishonest claims. They can also help to bring down the cost of your insurance if you have one fitted in your car.
Having any accident securely recorded can also help a motorist out of legal minefields, in the eventuality of accusations being made.
Our helpful team are here to help advise you on how to bring down your insurance premiums and make motoring a stress free experience as possible!