You have to buy special perils or convulsions of nature to cover natural disaster like this which 80% of people won't buy, claiming they never drive in flooded areas.

For going to Thailand, you have to add extension cover to the kingdom of Thailand. Which 70% of the people have no idea about. Your standard insurance won't cover into Thailand.

The compulsory insurance and voluntary insurance cover that you buy at the borders only covers third party bodily injury and property in Thailand. Easier to put it, it only covers people and property of Thailand, not yours.

So yeah, as K like to put it. It's GG.


If you did buy all the above covers, you can have your car towed from Songkhla areas to BKH border (free towing usually included in Thai voluntary insurance cover) and have your Malaysian insurer tow your car from BKH border to your preferred workshop for claims.

This post has been edited by TOMEI-R: Yesterday, 07:14 AM

Like mentioned. You should take special perils for convulsion of nature with your local insurer here, then MUST add another additonal cover to the kingdom of Thailand for your travelling period.

For Thai side insurance, you must buy the compulsory cover like usual, but do add the voluntary cover to protect you against third party claims like damage to houses, street post signs, barriers etc, vehicles.


But then again, customers rarely listens. They only panic when faced with the above situation. Some don't even to purchase insurance through agents like us anymore. Prefer to go buy online to save on the little bit of commision. So they dont get interaction and advise from agents regarding these situation.

This post has been edited by TOMEI-R: Yesterday, 11:04 AM

If you buy cover extension to the kingdom of Thailand, then you would enjoy the same coverage as per in Malaysia.