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You have finally decided to get your dream car & are trying hard to get the financing right, feels a bit ecstatic! Wait a second! Have you considered car insurance? Car insurance is not something you must get in a hurry and buy later, however it something that require due diligence as well as is mandatory with the car, no matter whether it is the old one or new. Here’re some helpful tips to help you know How to buy car insurance in Thailand that suits your requirements –
Importance of third party insurance
It is required for the car owners to have the third-party car insurance. Driving without the valid insurance will be the punishable offence in some states, and it might attract a huge fine. Thus, ensure you have the proper insurance cover whenever you drive a car. Generally, third-party car insurance cover will be offered by a car dealer at a time of buying the new car.
Another important thing that you need to check out about the third-party insurance is it’s a basic insurance, and protects against damages that will happen to third person’s car or property, which includes disability, bodily injuries, or death. Regardless of who is driving, whether it is your family member, or your driver, third-party car insurance policy can just cover claims for damages that are caused to third-party. However, as per third-party policy, you can’t claim the coverage for damages that are caused to your car.
Know your requirements
Before starting to look for the insurance plan, you need to first know your need. Checking these requirements will include deciding the kind of insurance cover that you would like to buy, additional covers you might wish to add to the car insurance cover and premiums. But, coverage must be your primary focus when selecting the insurance & not premiums you pay.
Know your priorities before starting to look for the car insurance. Ideally, you are searching for the insurer that provides the comprehensive coverage at a good price, and together with the simple claim process & faster processing of the claims.
Types of services offered
Whereas most of the people select the car insurance firm that offers lowest premium, you need to avoid such mistake. When searching for the best insurance policy, you need to consider reputation of an insurer & quality of services that are offered.
The reputed insurance firm can assure constant help & prompt reactions to your queries & service requests. The best ways you can understand quality of the services that are offered is checking users’ reviews. You need to look at a claim settlement ratio for a company; it’s advisable you buy the insurance with the high settlement ratio.
Consider Buying it Online
Finally, the best way you can buy can insurance is doing it online. Also, you may compare various car insurance firms; check out the quotes that they offer as well as their network of the cashless garages with some clicks.
