Q: What should you consider when choosing online car insurance?

You should consider three main factors: <ol><li>Coverage: Ensure that the policy covers your vehicle, the other party’s vehicle, and personal accidents.</li><li>Premium: Choose a premium that fits your budget and compare similar online car insurance plans.</li><li>Additional Services: Look for extra services such as 24-hour emergency assistance or fast claim processing.</li></ol> What each level of car insurance covers (click to learn more).

Question 1

Does online car insurance cover all types of accidents?

Accepted Answer

It depends on the type of insurance you choose, for example:

Type 1 insurance covers almost all accidents, whether it's a collision with another vehicle or an obstacle.
Type 2+ and Type 3+ insurance cover only cases involving another vehicle.
Type 2 and Type 3 insurance cover limited situations, such as theft, fire, or damage to third parties.

Therefore, it is important to review the policy details before purchasing each time.

Question 2

What payment methods are available for online car insurance?

Accepted Answer

Customers can choose between PromptPay or debit/credit cards and by paying the total amount or in installments.

Question 3

Is buying car insurance online a good idea?

Accepted Answer

Buying car insurance online is a convenient and quick option that allows you to compare insurance prices and coverage from multiple companies in one place. There's no need to spend time traveling or contacting different providers, making it easier to find a plan that fits your budget and needs.

Question 4

What should you consider when choosing online car insurance?

Accepted Answer

You should consider three main factors:

Coverage: Ensure that the policy covers your vehicle, the other party’s vehicle, and personal accidents.
Premium: Choose a premium that fits your budget and compare similar online car insurance plans.
Additional Services: Look for extra services such as 24-hour emergency assistance or fast claim processing.

What each level of car insurance covers (click to learn more).

Question 5

How to check for the best car insurance promotions online?

Accepted Answer

You can check promotions from Rabbit Care, which regularly updates discounts and special offers from various companies, with clear details such as first-year discounts, freebies, or 0% installment options, helping you choose the best car insurance.

When you purchase with Rabbit Care, you also get additional exclusive benefits:

Special discounts in certain promotions.
0% installment plans for up to 10 months.
Best price guarantee: If you find a lower price elsewhere within 7 days, we will refund double the difference in the form of a Big C voucher, under the same insurance company terms.

Question 6

Is buying car insurance online with Rabbit Care safe?

Accepted Answer

Yes, it is safe. Here's why:

Rabbit Care operates on a website authorized by the Office of Insurance Commission (OIC) to act as a licensed insurance broker.
We have genuine user reviews.
We provide transparent information about the participating insurance companies.
We use globally trusted payment systems, such as SSL or reliable Payment Gateways.

Rabbit Care is trustworthy, as we are licensed by OIC (Office of Insurance Commission) with an insurance broker license number W00021/2557.

Question 7

What is required to buy car insurance online?

Accepted Answer

Typically, you only need a copy of the vehicle registration, driver’s license, and the policyholder's personal information. Some companies may also request a photo of the vehicle to assess its condition.

Question 8

Do I need the physical registration book to buy car insurance online?

Accepted Answer

No, you do not need to submit the physical registration book. A copy or photo of the page with the vehicle details is sufficient for issuing the policy online.

Question 9

When should I renew my car insurance online?

Accepted Answer

You should renew at least 1-2 months before the expiration date to compare prices and coverage plans. Renewing too late may result in a period where your car is not covered, increasing the risk of being uninsured in case of an accident during that time.

Question 10

Can I change my insurance company mid-term through online channels?

Accepted Answer

Generally, you cannot change your insurance company mid-term, as the policy will remain effective until its expiration date according to the terms. However, you can choose to switch companies when it’s time for renewal, and complete the process entirely online.

Question 11

Why do online car insurance premiums sometimes increase or decrease for renewals?

Accepted Answer

The main factors are claim history, the risk associated with the vehicle, the car model, its year of manufacture, and the insurance company's promotions. If there have been no claims and you have a good history, your premium may decrease. However, if there have been frequent claims or the car has become older, your premium may increase.

Question 12

What documents are needed to renew car insurance online?

Accepted Answer

The required documents for an application for voluntary car insurance are:

Copy of the ID or a copy of the passport of the vehicle owner.
Name change certificate (in case of change of name).
A copy of the vehicle registration certificate (blue book), the current page or the purchase contract.
A copy of the driver's license indicated in the policy (if the driver's name is chosen).

Question 13

What should I do to claim insurance for a car purchased online?

Accepted Answer

The claims process for a car purchased through Rabbit Care is the same as purchasing through an agent. Simply call the insurance company or the Call Center and provide the policy number (from the insurance purchased online through Rabbit Care). The insurance company's staff will proceed with the necessary steps.

If you need further assistance, you can contact Rabbit Care at 1438 (available daily from 08:00 AM to 09:00 PM), and we will help coordinate the process for you.

Question 14

When buying insurance online, can I call a claims agent immediately after an accident?

Accepted Answer

Yes, you can. Most insurance companies in Thailand offer 24-hour claims service. In the event of an accident, you can contact them through their emergency number, app, or via Line.

Question 15

Does online car insurance take a long time to process claims?

Accepted Answer

The claim processing time depends on the type of case:

Non-contested claims (no third party involved) typically take less time.
However, if there is a third party or dispute, the investigation may take longer.

That said, the initial steps will be the same across all channels.

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