Car Rental Insurance Options
General Insurance Overview
The insurance policy provided with your GoodCarma rental is a third-party liability insurance. This is in addition to the basic policy required by Thai law. It gives a limited coverage of:
- Third-Party Bodily Injury
- Third-Party Property Damage
- Medical Expenses for third parties involved in an accident caused by the hirer.
- First-Party Driver and Passengers Bodily Damage
Important: No First-Party Insurance for Rented Vehicle
- The rented car itself is NOT covered by comprehensive (first-party) insurance.
- The hirer is responsible for all repair costs for damage to the rented vehicle.
- Report any damage immediately to GoodCarma. Do not attempt self-repairs.
This is a standard practice for many local car rental agencies in Thailand to keep rental prices affordable.
Basic Insurance (Included in Rental Price)
This option includes the standard third-party liability coverage as detailed above.
- Covers damage or injury to third parties and their property.
- Deductible: A 12,000 THB deductible applies for any third-party damage claim. This means the hirer pays the first 12,000 THB of a covered third-party claim.
- Service Fee: A 1,000 THB service fee will be added to any repair cost.
- Not Covered:
- Damage to the rented car itself (see above).
- Glass damage (windshields, windows).
- Tire damage.
- Underbody damage.
- Damage or loss due to floods, fires, or theft of the vehicle.
- Damage resulting from off-road driving or driving on beaches.
Full Insurance (Optional Add-on: +25% of rental price)
This optional coverage extends protection to include damage to the rented vehicle as well as third-party coverage.
- Covers damage to the vehicle as well as third-party injury or damage (subject to the insurance policy rules).
- Deductible: 12,000 THB per incident.
- Total loss deductible: 50,000 THB.
- Service Fee: NO ADDED 1,000 THB service fee to repair costs.
- Provides significantly more protection than Basic Insurance for damage to the rental vehicle.
- The hirer must still take reasonable precautions to avoid risks and damage.
- Intentional damage or gross negligence may void this coverage.
Extra Full Insurance (Optional Add-on: +35% of rental price)
Adds coverage to the rented car (2,000 THB deductible) and third-party damage (3,000 THB deductible). Maximum deductible per incident 3500 baht.
- Covers damage to the vehicle as well as third-party injury or damage (subject to the insurance policy rules).
- Deductible for third-party damage: 3,000 THB per incident.
- Deductible for damage to the rented vehicle: 2,000 THB per incident.
- Maximum deductible: 3,500 THB per incident total (whether first-party, third-party damage, or both).
- Total loss deductible: 15,000 THB.
- Service Fee: NO ADDED 1,000 THB service fee to repair costs.
- Offers the highest level of protection and peace of mind during your rental.
- The hirer must still take reasonable precautions to avoid risks and damage.
- Intentional damage or gross negligence may void this coverage.
General Exclusions & Hirer Responsibilities
- A valid International Driving Permit is required and must be presented at the time of rental.
- Theft of the rented vehicle is never covered under any insurance option. The hirer is fully responsible for the vehicle's security.
- The hirer must take all reasonable precautions to prevent damage or loss.
- Driving under the influence of alcohol or drugs voids all insurance coverage.
- Unauthorized drivers operating the vehicle will void insurance coverage.
- Report all accidents or damage to GoodCarma immediately.
- Do not move the vehicle after an accident (unless instructed by police or for safety) until GoodCarma or the insurance representative has been notified.
- Take photos of any damage and the accident scene if possible.
- The hirer is responsible for regular checks of oil, coolant, and tire pressure as per the rental agreement.
- Unauthorized repairs are not allowed. All repairs must be approved by GoodCarma.
- Damages below the deductible will be charged at actual repair cost.
- Loss-of-use charges are not covered by insurance.
Additional Terms & Conditions
- Late return: 300 THB per hour will be charged for any late return.
- Parking limitations: Parking in public areas is limited to 48 hours. Contact the company if more time is needed.
- Reservation rights: The company reserves the right to cancel a reservation or reclaim the vehicle at any time, with or without explanation. If applicable, a refund will be provided.
⚠️ Important Penalty Notice
Failure to adhere to the rules and requirements outlined on this page may result in a penalty of up to 15,000 THB.
Please ensure you have read and understood all insurance terms, coverage details, exclusions, and hirer responsibilities before proceeding with your rental.
Summary of Potential Costs to Hirer
- Basic Insurance: Included in rental price.
- Full Insurance: +25% of rental price.
- Extra Full Insurance: +35% of rental price.
- Deductible for Third-Party Claims (Basic): 12,000 THB.
- Service Fee (Basic): 1,000 THB per repair.
- Damage to Rented Vehicle (Basic - not covered by insurance): Full cost of repair.
- Damage to Rented Vehicle (Full Insurance): 12,000 THB deductible for repairs. If total loss: 50,000 THB.
- Third-Party Damage (Extra Full Insurance): 3,000 THB deductible per incident.
- Damage to Rented Vehicle (Extra Full Insurance): 2,000 THB deductible for repairs. If total loss: 15,000 THB.
- Specific Exclusions (Tires, Glass, Off-road): Full cost of repair/replacement.
- Late Return Fee: 300 THB per hour.
We recommend all hirers drive carefully and responsibly. Please review the full Rental Terms & Conditions for complete details.