INSURANCE
All our cars have fully comprehensive A1 insurance (code 120 FOR CAR RENTAL) including Collision Damage Waiver and Personal Accident Insurance. Subject to the exclusions below, the hirer and any authorised drivers are fully indemnified in respect of any liability they might have to Easy Car Rentals Co., Ltd. in respect of the loss of or damage to the vehicle and also any consequential loss of revenue or other expenses incurred by Easy Car Rentals Co., Ltd. including towing and salvage costs associated with the recovery of the vehicle.
Subject to the exclusions detailed below, the hirer and any authorised driver are also indemnified as follows:
Third Party: Bodily injury or death Baht 1,000,000 per person max Baht 10,000,000 per accident. Property damage Baht 2,500,000
Personal Accident (PAI): 1 driver and 4 passengers Baht 100,000 per person
Accident Medical Expenses: 1 driver and 4 passengers Baht 100,000 per person
Fire and Theft: Value of car
Collision Damage Waiver (CDW): CDW insurance is included but a non-waiverable excess of Baht 5,000 will apply in the event of damage to the vehicle.
PLEASE NOTE
Many people who rent out cars in Hua Hin DO NOT have commercial insurance for CAR RENTAL (which costs twice as much as private first class non commercial insurance). Many cars for rent are privately owned by Thais who rent them out to help pay their monthly finance payments. Sometimes these cars are rented by middle men or brokers who are not the owners of the cars.
If you rent a car, WITHOUT commercial car insurance (code 120) and you have an accident, the insurance company will most likely refuse to pay the claim especially if they know the car has been rented or hired. If this happens you will be held responsible for all costs and consequences of driving a car without valid insurance. If you injure someone, kill a motorcyclist, or cause damage to property you personally will be held liable and forced to pay (not the owner of the car). If you can not pay, the police will put you in jail until you do ! This is fact not fiction and it happens frequently.
Many people who rent out cars without commercial car hire insurance tell their customers "if you have an accident just say you are my friend and you borrowed the car". This is committing FRAUD and insurance companies are not stupid. If you rent a car from a Thai or another European and you have an accident, the insurance company will ask you to prove your relationship with the person you BORROWED the car from. They will want to see old photographs, correspondence etc. Why should the insurance company pay a claim if they do not have to ?
Also unscrupulous people who rent out cars will hold you responsible for towing costs, salvage costs and loss of income if you have an accident. It is in your interest to check the insurance policy of any car you are renting. It is not worth saving a few hundred Baht per day or a few thousand Baht per month on a car that is not insured for car hire.
Please take a look at a proper car rental insurance policy so you know what to look for.
OUR INSURANCE EXCLUSIONS
The indemnities referred to above shall not apply when the damage, injury or loss arises when:
The driver of the vehicle is under the influence of alcohol or any drug that affects his or her ability to drive the vehicle.
The vehicle is in an unsafe or un-roadworthy condition due to circumstances that arose during the course of the hire and the unsafe or un-roadworthy condition of the vehicle caused or contributed to the damage or loss of the vehicle; and the driver was aware or should have been aware of the unsafe or un-roadworthy condition of the vehicle.
The vehicle is operated in any race, speed test, rally or contest.
The vehicle is driven by any person who at the time when he or she drives the vehicle is disqualified from holding or has never held a drivers licence appropriate for that vehicle.
The vehicle is driven by any person not-named as being authorised to drive the vehicle as listed in the hire agreement.
The vehicle is driven by any person who at the time when he drives the vehicle is disqualified from holding, or who has never held, a licence appropriate for that vehicle.
The vehicle is wilfully or recklessly damaged by the hirer or any other persons driving the vehicle under the authority of the hirer, or is lost as a result of the wilful or reckless behaviour of the hirer or any such person.
The vehicle is operated on any unformed roads including beaches i.e. roads other than tarmac and concrete.
The vehicle is operated outside the term of the hire agreement or any agreed extension of the hire agreement.
Subject to the exclusions detailed below, the hirer and any authorised driver are also indemnified as follows:
Third Party: Bodily injury or death Baht 1,000,000 per person max Baht 10,000,000 per accident. Property damage Baht 2,500,000
Personal Accident (PAI): 1 driver and 4 passengers Baht 100,000 per person
Accident Medical Expenses: 1 driver and 4 passengers Baht 100,000 per person
Fire and Theft: Value of car
Collision Damage Waiver (CDW): CDW insurance is included but a non-waiverable excess of Baht 5,000 will apply in the event of damage to the vehicle.
PLEASE NOTE
Many people who rent out cars in Hua Hin DO NOT have commercial insurance for CAR RENTAL (which costs twice as much as private first class non commercial insurance). Many cars for rent are privately owned by Thais who rent them out to help pay their monthly finance payments. Sometimes these cars are rented by middle men or brokers who are not the owners of the cars.
If you rent a car, WITHOUT commercial car insurance (code 120) and you have an accident, the insurance company will most likely refuse to pay the claim especially if they know the car has been rented or hired. If this happens you will be held responsible for all costs and consequences of driving a car without valid insurance. If you injure someone, kill a motorcyclist, or cause damage to property you personally will be held liable and forced to pay (not the owner of the car). If you can not pay, the police will put you in jail until you do ! This is fact not fiction and it happens frequently.
Many people who rent out cars without commercial car hire insurance tell their customers "if you have an accident just say you are my friend and you borrowed the car". This is committing FRAUD and insurance companies are not stupid. If you rent a car from a Thai or another European and you have an accident, the insurance company will ask you to prove your relationship with the person you BORROWED the car from. They will want to see old photographs, correspondence etc. Why should the insurance company pay a claim if they do not have to ?
Also unscrupulous people who rent out cars will hold you responsible for towing costs, salvage costs and loss of income if you have an accident. It is in your interest to check the insurance policy of any car you are renting. It is not worth saving a few hundred Baht per day or a few thousand Baht per month on a car that is not insured for car hire.
Please take a look at a proper car rental insurance policy so you know what to look for.
OUR INSURANCE EXCLUSIONS
The indemnities referred to above shall not apply when the damage, injury or loss arises when:
The driver of the vehicle is under the influence of alcohol or any drug that affects his or her ability to drive the vehicle.
The vehicle is in an unsafe or un-roadworthy condition due to circumstances that arose during the course of the hire and the unsafe or un-roadworthy condition of the vehicle caused or contributed to the damage or loss of the vehicle; and the driver was aware or should have been aware of the unsafe or un-roadworthy condition of the vehicle.
The vehicle is operated in any race, speed test, rally or contest.
The vehicle is driven by any person who at the time when he or she drives the vehicle is disqualified from holding or has never held a drivers licence appropriate for that vehicle.
The vehicle is driven by any person not-named as being authorised to drive the vehicle as listed in the hire agreement.
The vehicle is driven by any person who at the time when he drives the vehicle is disqualified from holding, or who has never held, a licence appropriate for that vehicle.
The vehicle is wilfully or recklessly damaged by the hirer or any other persons driving the vehicle under the authority of the hirer, or is lost as a result of the wilful or reckless behaviour of the hirer or any such person.
The vehicle is operated on any unformed roads including beaches i.e. roads other than tarmac and concrete.
The vehicle is operated outside the term of the hire agreement or any agreed extension of the hire agreement.
