Car rental insurance in Phuket
Every price on this site already includes first-class Thai insurance (ประกันภัยชั้น 1). The most you pay for damage to our car is the ฿15,000 excess.
What is covered
- Damage to the rental car in an accident, whoever caused it — you pay only the excess.
- Damage to other vehicles and property, in full.
- Injury to other people, drivers and passengers, within the policy limits.
- Theft of the car and fire.
- Flood damage to the car.
What you pay
- Up to ฿15,000 per incident when the car is damaged. If the other driver is at fault and their insurer accepts it, you pay nothing.
- Small scratches and dents are priced at a normal body shop in Phuket, up to the excess — never above it.
- Marks that were on the car at pickup are never charged; the pickup photos decide.
What is not covered
- Driving under the influence of alcohol or drugs.
- A driver who is not in the contract or has no valid licence and International Driving Permit.
- Driving on beaches, in water or off-road.
- Tyres, wheels, lost keys and damage inside the cabin.
- Traffic fines.
After an accident
Stop, stay with the car and switch on the hazard lights. Call us on WhatsApp — day or night. In Thailand the insurance company sends a surveyor to the scene, usually within 30–60 minutes, who writes the report that decides who pays. Do not move the car before the surveyor arrives unless the police ask you to, and do not agree on money with the other driver. Take photos of both cars and the road. We come to you, speak Thai with the surveyor and the police, and bring a replacement car if yours cannot be driven.
Questions
How much is the deposit?
฿3,000 in cash for sedans and ฿5,000 for the Toyota Fortuner. It is returned in full when you hand the car back without new damage. No card hold, and we never keep your passport.
What insurance is included?
First-class Thai insurance is included in every price. Your excess is ฿15,000 per incident, and damage to other people and their property is covered by the insurer.
What happens if I scratch the car?
We photograph every panel with you at pickup and again at return, and send both sets to you on WhatsApp. Marks that were already there are never charged. New damage is paid up to the ฿15,000 excess and never more.
What should I do after an accident?
Stay with the car, call us on WhatsApp and wait for the insurance surveyor — in Thailand the insurer comes to the scene and writes the report. Do not move the car or agree on payment with the other driver before that. We come to you and handle the paperwork in Thai.