RooJai Car and Motorbike Insurance

Insurance -- Do you need it? Where to buy it?
User avatar
Niggly
udonmap.com
Posts: 3696
Joined: December 5, 2018, 5:51 pm
Location: Living in Doug’s Flop House Head rent free. It’s nice, lots of empty space

Re: RooJai Car and Motorbike Insurance

Post by Niggly » April 3, 2021, 10:39 pm

Giggle wrote:
April 3, 2021, 6:22 pm
Renewed my annual policy with Roojai yesterday. Took 5 minutes. No forms to fill out, no emails, no photos, Nuthin. Just a quick check that all the same options from the previous year were included and paid with a credit card. No claims from previous year.

Easiest renewal ever ... and they weren't interested in my yellow book.
Are you going to give any clues as to the vehicle, premium & excess which would be useful information or is it a secret & you’re just going to leave it with you’ve managed to deal with some local administration department for the first time without any drama?


Coordinator for Tesco Lotus Boxing Events, fun times, eh

User avatar
Giggle
udonmap.com
Posts: 1876
Joined: October 18, 2016, 4:24 pm
Location: In your head

Re: RooJai Car and Motorbike Insurance

Post by Giggle » January 15, 2022, 3:39 pm

Received an email today saying Roojai will deduct my annual premium of 13,xxx baht from my credit card as "previously agreed." I'm good with Roojai, but don't remember giving authorization for auto renewal. All good, no video of truck requested, no office visit, no drama.
Ashli Babbitt -- SAY HER NAME!

User avatar
tamada
udonmap.com
Posts: 13364
Joined: February 21, 2007, 4:03 am
Location: Down two...then left

Re: RooJai Car and Motorbike Insurance

Post by tamada » January 19, 2022, 8:18 am

Giggle wrote:
January 15, 2022, 3:39 pm
Received an email today saying Roojai will deduct my annual premium of 13,xxx baht from my credit card as "previously agreed." I'm good with Roojai, but don't remember giving authorization for auto renewal. All good, no video of truck requested, no office visit, no drama.
There's an auto-renewal check box on their online application that you may have missed? I have just renewed for my third year with roojai. If not on auto-renewal, they send weekly reminder emails when there's about 60 days remaining on the current policy.

Good rates and service in that regard. I pay 8000 and change for top coverage on the 8 year old sports lorry. Never had to use their full services, touch wood.
You don't have to be afraid of everything you don't understand.

User avatar
Barney
udonmap.com
Posts: 4305
Joined: November 1, 2012, 5:51 am
Location: Outback of Nong Samrong Udon Thani

Re: RooJai Car and Motorbike Insurance

Post by Barney » January 19, 2022, 10:37 am

tamada wrote:
Giggle wrote:
January 15, 2022, 3:39 pm
Received an email today saying Roojai will deduct my annual premium of 13,xxx baht from my credit card as "previously agreed." I'm good with Roojai, but don't remember giving authorization for auto renewal. All good, no video of truck requested, no office visit, no drama.
There's an auto-renewal check box on their online application that you may have missed? I have just renewed for my third year with roojai. If not on auto-renewal, they send weekly reminder emails when there's about 60 days remaining on the current policy.

Good rates and service in that regard. I pay 8000 and change for top coverage on the 8 year old sports lorry. Never had to use their full services, touch wood.
Mr Tam
Does that cost include a good no claim bonus?


Sent from my iPhone using Tapatalk

Mjkt
udonmap.com
Posts: 109
Joined: October 26, 2019, 10:33 am

Re: RooJai Car and Motorbike Insurance

Post by Mjkt » January 19, 2022, 11:08 am

They charge me 7,010THB for a 10yo Fortuner. They premium has been unchanged for several years.

User avatar
tamada
udonmap.com
Posts: 13364
Joined: February 21, 2007, 4:03 am
Location: Down two...then left

Re: RooJai Car and Motorbike Insurance

Post by tamada » January 19, 2022, 12:28 pm

Barney wrote:
January 19, 2022, 10:37 am
tamada wrote:
Giggle wrote:
January 15, 2022, 3:39 pm
Received an email today saying Roojai will deduct my annual premium of 13,xxx baht from my credit card as "previously agreed." I'm good with Roojai, but don't remember giving authorization for auto renewal. All good, no video of truck requested, no office visit, no drama.
There's an auto-renewal check box on their online application that you may have missed? I have just renewed for my third year with roojai. If not on auto-renewal, they send weekly reminder emails when there's about 60 days remaining on the current policy.

Good rates and service in that regard. I pay 8000 and change for top coverage on the 8 year old sports lorry. Never had to use their full services, touch wood.
Mr Tam
Does that cost include a good no claim bonus?


Sent from my iPhone using Tapatalk
Yes. 50% NCB discount included.

Previous insurers, LM and AXA, skated around the notion of NCB. roojai have it stated in the quote and the policy schedule while the other guys left that field blank.
You don't have to be afraid of everything you don't understand.

User avatar
pipoz4444
udonmap.com
Posts: 1818
Joined: April 8, 2011, 1:33 am
Location: All Over the Place

Re: RooJai Car and Motorbike Insurance

Post by pipoz4444 » April 9, 2022, 7:16 pm

Just a question which may well have been asked before but I will ask again

Two Thai's one in a Car and one on a Motorbike

Both vehicles are Registered (but old) and both driver & rider have Licenses, but neither vehicle is Insured!!! only Registered

Both are from the local Village, with only a few Baht to spare

The Car changes lanes and clips the Motorbike, sending the Thai rider off into a Ditch, where he breaks his leg

Thai Rider is couriered of to the local Hospital and his leg put in a plaster cast

Surprisingly both are sober at the time and no evidence of Drinking

But, needless to say, he who was driving the car was in the wrong, as he didn't look

Question:
1.Who has to pay for the Hospital stay and the cast on the leg? Does Thai law demand or require the Car Driver pays that Bill (even though he has F A) or does the Government foot the Hospital Bill

pipoz4444
That's one small step for a man, one giant leap for mankind.

User avatar
tamada
udonmap.com
Posts: 13364
Joined: February 21, 2007, 4:03 am
Location: Down two...then left

Re: RooJai Car and Motorbike Insurance

Post by tamada » April 9, 2022, 8:54 pm

If the car didn't even have the compulsory/mandatory por-ror-bor insurance, then they won't want the cops involved as it will get more expensive than it is for the car driver who is already in the wrong.
You don't have to be afraid of everything you don't understand.

User avatar
deankham
udonmap.com
Posts: 813
Joined: March 17, 2008, 5:24 am
Location: Alseep under the tree

Re: RooJai Car and Motorbike Insurance

Post by deankham » April 9, 2022, 9:06 pm

I could be wrong but I thought it was mandatory to have basic insurance when registering the vehicle.

I.e without the compulsory (third party?) Insurance you cannot do the registration.

I have no idea what level of cover this gives but you would have thought both vehicles have this if they are really registered.

Edit. Just re-reading and you say both vehicles are registered, but old. What do you mean 'but old'? I. E they have not paid the yearly fee?

My wife always goes with the bigger vehicle is always responsible. I.e motor cy pays for bicycle, car pays for motor cycle, truck pays for car.
...this is based on her poor understanding if Insurance but only what happens (or happened in the olden days).

User avatar
pipoz4444
udonmap.com
Posts: 1818
Joined: April 8, 2011, 1:33 am
Location: All Over the Place

Re: RooJai Car and Motorbike Insurance

Post by pipoz4444 » April 9, 2022, 9:50 pm

Car is about 10 years old and bike apparently 8 years old but over 500cc

Thanks for the responses

I too would have thought when they Register a Car even in Thailand, that they would automatically pay something towards some Third Party Person Insurance to cover injury to the Other person? But then, I can't read Thai and cant get a straight answer from them??

Is compulsory/mandatory por-ror-bor insurance same as "Third Party Person Insurance to cover injury to the Other person"

I wonder how much a Broken Leg is worth these days??

Extract from ROOJAI: Compulsory Motor Insurance, also known as “Por Ror Bor” is a mandatory insurance required by law for all motor vehicles within Thailand. According to the Motor Victims Protection Act B.E. 1992, it came into effect on 5 April 1993 by requiring cars, including all types of motorcycles that are registered with the Department of Land Transport, and cars powered by electric engines or other energy to apply this “Compulsory Motor Insurance” to provide insurance coverage for everyone affected by car accidents, regardless of whether the person is a driver, a passenger, or a pedestrian. In the cases that involve a loss of life or body parts or health damage including the deceased person’s heir will also be covered, in the case of death.
That's one small step for a man, one giant leap for mankind.

User avatar
tamada
udonmap.com
Posts: 13364
Joined: February 21, 2007, 4:03 am
Location: Down two...then left

Re: RooJai Car and Motorbike Insurance

Post by tamada » April 9, 2022, 9:59 pm

deankham wrote:
April 9, 2022, 9:06 pm
I could be wrong but I thought it was mandatory to have basic insurance when registering the vehicle.

I.e without the compulsory (third party?) Insurance you cannot do the registration.

I have no idea what level of cover this gives but you would have thought both vehicles have this if they are really registered.

Edit. Just re-reading and you say both vehicles are registered, but old. What do you mean 'but old'? I. E they have not paid the yearly fee?

My wife always goes with the bigger vehicle is always responsible. I.e motor cy pays for bicycle, car pays for motor cycle, truck pays for car.
...this is based on her poor understanding if Insurance but only what happens (or happened in the olden days).
If there's no por-ror-bor (compulsory/mandatory) basic insurance, there will be no annual inspection done and no road tax being paid. This vehicle shouldn't even be on the roads. Totally illegal but TiT.

It's my worst nightmare getting into any sort of strife with such a vehicle because this being Thailand, your wife's rudimentary grasp of Thai-style responsibility and their embrace of the krieng-jai nonsense will prevail. If you fob them off, the muppets will try and get the cops to put the heat on you (if they're not already doing that).

Been there, done that... Mrs tam ignored the threats (her prang) while AXA handled the po-ror-bor bit. I recall that the coverage maxes out at around 30,000 baht. Takes about 30-days if everyone plays nice and assumes responsibility. So the government paid the hospital 30k and Mrs tam bought the Brands Essence of Chicken basket.
You don't have to be afraid of everything you don't understand.

User avatar
pipoz4444
udonmap.com
Posts: 1818
Joined: April 8, 2011, 1:33 am
Location: All Over the Place

Re: RooJai Car and Motorbike Insurance

Post by pipoz4444 » April 9, 2022, 10:09 pm

Thanks Tam

Fortunately it is not me, I am far far away from Thailand

It is the wayward distant sort of Brother in Law, who can dig himself out of this hole
That's one small step for a man, one giant leap for mankind.

User avatar
pipoz4444
udonmap.com
Posts: 1818
Joined: April 8, 2011, 1:33 am
Location: All Over the Place

Re: RooJai Car and Motorbike Insurance

Post by pipoz4444 » May 4, 2022, 5:45 pm

Its April again and time to renew a Vehicle Insurance.

For those who may be interested in car insurance and cost, I recently re-insured the Honda Jazz (2019 RS Model) through VIRIYAH Insurance for the sum of B 15,979, plus some VAT Tax, supposedly No 1 Insurance, also covered for Fire but not Theft. A few thousand Baht less than this time last year.

I think the Registration Tax cost, was another B 1,645

pipoz4444
That's one small step for a man, one giant leap for mankind.

Post Reply

Return to “Insurance”