Comprehensive Insurance, also known as Type 2+, offers an elevated level of coverage compared to the primary protection provided by Type 1 or Third Party Liability Insurance. While Type 1 safeguards against damages or injuries caused to others in an accident, Type 2+ expands coverage to include damages to your vehicle, irrespective of fault.
Collision coverage
Collision coverage, a key feature of Car Insurance Type 2+, protects your vehicle and another car or object in an accident. In such instances, your insurance provider will cover repair or replacement costs up to the policy limits. This coverage is precious for owners of newer or high-value vehicles, as it helps mitigate the substantial financial repercussions of an accident.
Comprehensive coverage
In addition to collision coverage, Car insurance Type 2+ offers comprehensive protection against various non-collision-related incidents. This includes damage caused by natural disasters like floods, earthquakes, hailstorms, theft, vandalism, or fire. Comprehensive coverage ensures you’re protected against unexpected events beyond your control.
Medical expenses and personal accident coverage
Car insurance Type 2+ often includes coverage for medical expenses and personal accidents. If you or your passengers are injured in a covered accident, your insurance provider will help pay for necessary medical treatment, hospitalization, and rehabilitation costs. Some policies may also offer compensation for lost income if you cannot work due to accident-related injuries.
Roadside assistance
Many insurance Type 2+ policies come with the added benefit of roadside assistance. This service provides support in the event of a breakdown, flat tyre, dead battery, or other roadside emergencies. With just a phone call, you access help from a qualified professional, saving you time, money, and stress in a difficult situation.
Towing and rental car coverage
If your vehicle is damaged in a covered accident and requires towing to a repair facility, Car insurance Type 2+ typically covers the cost of towing services. Some policies offer rental car coverage, which provides a temporary replacement vehicle while yours is being repaired. This ensures you can maintain your routine and avoid the inconvenience of being without a car.
No claim bonus protection
The attractive feature of Car Insurance Type 2+ is the protection of your No Claim Bonus (NCB). The NCB is a discount you earn on your premium for each claim-free year. With Type 2+ coverage, your NCB is often protected even if you make a claim. This means you can maintain your discount and keep your premiums low, even in the event of an accident.
Customizable coverage options
Type 2+ Car Insurnace Thailand policies often offer a range of customizable coverage options, allowing you to tailor your protection to your specific needs and budget. This may include choosing your deductible amount, selecting additional coverage for accessories or modifications, or opting for higher limits on certain benefits. Personalizing your policy ensures you have the right level of coverage for your unique situation.
When selecting a Type 2+ provider, it’s crucial to do your research and compare options from reputable insurers. Look for a company with a solid financial standing, a history of prompt claims settlement, and excellent customer service. Reading reviews and testimonials from current and former policyholders provides valuable insights into the experiences of others and helps you make an informed decision.