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Roojai Insurance Renewal, Higher Premium For Same Coverage


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Have been with Roojai for a year.  The quote they are giving me for renewal no longer includes the 24hr roadside assistance. If I add the roadside assistance at additional cost, the premium is higher than last year. This is despite having zero claims and my vehicle value depreciating. Have others gotten the same "deal"? 😦

Edited by wimpy
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22 minutes ago, wimpy said:

Have others gotten the same "deal"? 

Haven't been with them a year yet so I'll have to wait and see.

I didn't get 24hr roadside assistance anyway.

I was happy with spreading the cost over 10 months at a miniscule increase which the previous insurer wouldn't offer.

If they do increase my cover next year by too much I will talk to them first before I decide whether to apply elsewhere.

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Missed the part about it only being for the first year. Would think that with the replacement value of my vehicle dropping by about 80,000 baht, the premium would drop substantially as well. I must be naive.

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4 hours ago, wimpy said:

Have been with Roojai for a year.  The quote they are giving me for renewal no longer includes the 24hr roadside assistance. If I add the roadside assistance at additional cost, the premium is higher than last year. This is despite having zero claims and my vehicle value depreciating. Have others gotten the same "deal"? 😦

Hi yes/.

I had the same, gone up? but no claim?

 

i want roadside assistance? free 1st year 2nd year pay?

 

i emailed them back and complained why? up?

 

they sent me another quote again! still up from the 1st year, but better than the renewal quote?

 

guess, we have to pay now for bad drivers who claim alot? or covid excuse?

 

 

still prefer them though?

 

falang has to pay more?

 

 

cheers

 

 

 

 

 

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4 hours ago, Martinpeter said:

guess, we have to pay now for bad drivers who claim alot?

 

Isn't that how every insurance company works?

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45 minutes ago, Roojai said:

 

Dear wimpy,

 

Thank you for your feedback and for being a Roojai.com customer.

 

Premiums do change from year to year depending on a number of factors including:

  •     the number of Roojai.com customers who had accidents in the previous year;
  •     the inflation of garage repair and labor costs; and
  •     the increasing cost of bodily injury claims over time.

Your sincerely,

 

The Roojai.com team

 

 

I appreciate your comments.

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1 hour ago, Roojai said:

In April 2020, the Thai government decided to increase the compensation amount paid for anyone who dies in a motor accident. We believe that this is a good change, since it is important to provide fair compensation to the family of anyone who is unfortunate enough to die in a motor accident. However, this change in legislation has greatly increased Roojai.com claim costs. As a result, Roojai.com (and many Thai insurance companies) have had to increase prices. This is the main reason why your renewal premium has increased.

Do you have a source for this? It sounds odd, because if the government decided to do this, it is most likely for to the compulsary insurance which every vehicle needs to have, and not to some voluntary insurance as provided by you. In this case it would increase the cost for the RVP insurance fund, but this seems to be unrelated to your costs. So how did it increase your costs?

Edited by jackdd
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22 hours ago, jackdd said:

It sounds odd,

I am not a particular fan of Roojai but can confirm I had the same explanation when I renewed my cover with Axa less than a month ago.

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