Cyber threats affect individuals, SMEs and large organisations: how can insurance help?
Information checked as of 14 November 2026 | by Prakanthai.com Money stolen from an account, goods paid for online that never arrive, a shop…
What is Replacement Value? How much does the payout differ between shop insurance that pays new-for-old and one that deducts depreciation?
A coffee machine bought three years ago is damaged by fire from an electrical short circuit. The owner files a claim and is asked: "Does the…
Shop insurance with flood cover at 20% of the sum insured: how much do you actually get, and can shops in flood-risk areas buy it?
A coffee shop owner takes out shop insurance with a sum insured of THB 2 million. The quote says "flood cover", so they assume that if water…
Renewing EV insurance in years 2–3: how does the battery cover change? Some plans pay only 80% of the battery cost
Reference premium data as of 4 August – 11 October 2026 · Compiled by Prakanthai.com Underwritten by non-life insurers for which Prakanthai.…
Car insurance with no named drivers: is it still available, who should choose it, and why is the premium set at 105%?
Information as at 27 October 2026 · compiled by Prakanthai.com Reference: OIC letter no. 4331/3345 dated 17 November 2025 · applies to priva…
Government solar subsidy of THB 50,000: which homes qualify, what you still pay and the home insurance to check
Your home's electricity bill runs to THB 3,000–4,000 a month, and the news that the government will help with THB 50,000 towards solar panel…
Checked Bag Opened at the Airport? Thailand's New Search Rule and Travel Insurance
You land, wait at the carousel, and your bag comes out with the zip open and your things rummaged through. Nobody tells you who opened it. S…
Child health insurance: from what age can you buy it, how much is the premium, and what health histories lead to an application being declined
Your child starts nursery, catches a fever twice in one month, and the second time the doctor admits them to hospital. Many parents only sta…
Already have company group insurance: is it worth adding a Deductible health plan, and how much lower is the premium?
Company group insurance is fine for ordinary doctor visits, but if you ever need major surgery or cancer treatment, the limit you have may n…
What is copayment in health insurance? Which claims mean paying 30–50% yourself, and how to choose a plan
Last year you caught the flu, had diarrhoea and dizzy spells, made several trips to hospital, and every health insurance claim was paid. The…
Thailand Floods: Disaster Insurance for Foreigners Explained
A foreign neighbour reads that the government now insures every home, with THB 10,000 paid straight away after a flood. When water does get …
O-A Visa Health Insurance Thailand: How Much Cover You Need
You are in your sixties, you have family in Thailand, and you want to stay for the long term. You start on the retirement visa paperwork and…
Thailand National Disaster Insurance: Flood Cover Explained
The water has just gone down. The ground-floor wooden floor has swollen, the walls are stained, and the fridge and sofa are ruined. The news…
Comparing car insurance in 2026: 10 things to check before you choose
Comparing car insurance effectively starts with putting offers for the same car side by side on similar conditions, then seeing which plan g…
Car Accident in Thailand: What to Do, Step by Step
It's 9 p.m. You've just clipped a motorbike at a junction. The rider has fallen but gets up. A crowd gathers and everyone is speaking Thai. …
How many types of car insurance are there? How Class 1, 2+ and 3+ cover differs
Voluntary motor insurance is divided into Class 1, 2, 3, 4 and 5, and the plans known as 2+ and 3+ fall under Class 5. The key differences a…
Personal Accident Insurance for Expats in Thailand
A foreign husband has worked in Thailand for years and rides a motorbike to work every day. His wife wants to buy him accident cover, but wh…
Motorbike Insurance in Thailand for Expats: What You Need
An expat who moved to Chiang Mai bought a new motorbike to ride to work. The dealer said compulsory insurance was included. Two months later…
Condo Insurance Thailand for Foreign Owners: Empty Units
A foreign owner bought a beachside condo to spend the cool season in, four or five months a year. The rest of the time the unit is locked up…
New compulsory motor insurance (CMI) rules from 1 September 2026: match your cover dates to your vehicle tax
Your CMI expires this month but your tax sticker has months left to run. How many months should you renew for? From 1 September 2026, the ru…
Renting a Car or Scooter in Thailand: Is It Insured?
It's high season. A visitor in Phuket rents a scooter for a few hundred baht a day. The shop keeps the passport and says, "It's insured." On…
Thailand's 450-Baht Tourist Fee: Will It Insure You?
A relative planning a trip to Thailand early next year asks: "I heard Thailand will charge a THB 450 entry fee and include insurance. Do I s…
Compulsory vs Voluntary Car Insurance in Thailand Explained
A friend from abroad buys a used car in Thailand and hears two things on the same day: "it already has Por Ror Bor" and "have you bought ins…
How to Claim Thailand's National Disaster Insurance
The water has gone down and the house is damaged. You know you're entitled to something under the national disaster insurance, but not where…
Car Insurance in Thailand for Foreigners: CMI vs Class 1
A colleague from abroad bought a used car from a Thai owner. The seller said, "The compulsory insurance is renewed, you're good to drive." A…
Where to file a flood claim? Insurer phone numbers and car-lifting services for floods, 2026
Note, 28 October 2026: The one-off assistance services in this article, such as AXA's car relocation service on 25–27 September 2026, date f…
What is an e-Policy?
What is an e-Policy? Can an electronic insurance policy really replace paper? These days, many people who buy insurance no longer receive a …
Tesla Approved Body Shop (TAB)
Tesla Approved Body Shop, or TAB, is a Tesla paint and body repair centre certified by Tesla. Its technicians and repair processes are train…
Does making a claim raise your premium? Which claims affect your car insurance discount?
A claim doesn't always mean a higher premium next year. If you were not at fault and the party legally liable can be identified, the claim d…
Car insurance lapsed or renewed late: what happens? Will you lose your discount, and what should you do first?
You open a drawer, find your policy and see that it expired last week. Your first thought is “It's probably fine, I haven't hit anything.” Y…
