What is Auto Smile?

It is a plan which covers you for:

  • Third party bodily injury  coverage
  • Third party property damage coverage
  • Own damage of insured vehicle
  • Theft & fire of insured vehicle
  • Personal accident for 1 driver and  passengers
  • Medical expenses
  • Bail bond

Options

Gold Package

  • Third party bodily injury coverage with a limit of 1 Mil/person and 10 Mil/ event
  • Third party property damage coverage with a limit of 1 Mil/event
  • Personal accident for 1 driver and  passengers with a limit of 100,000 /person
  • Medical expenses with a limit of 100,000/person
  • Bail bond with a limit of 200,000 /event
     

Diamond Package

  • Third party bodily injury coverage with a limit of 2 Mil/person and 10 Mil/ event
  • Third party property damage coverage with a limit of 2.5 Mil/event
  • Personal accident for 1 driver and  passengers with a limit of 200,000 /person
  • Medical expenses with a limit of 200,000/person
  • Bail bond with a limit of 300,000 /event

 

Key coverage

Here is an overview of your coverage

Third Party Liability Coverage and Conditions

Third Party Liability Coverage and Conditions

  • Third party bodily injury
  • Third party property damage
  • Deductible
  • Cost of legal defense
  • Liability of driver and passengers
  • Liability of employer

Own damage of insured vehicle

Own damage of insured vehicle

  • Compensation for damage of insured vehicle
  • Care and removal
  • Deductible
  • Waiver of subrogation 

Theft and Fire Coverage

Theft and Fire Coverage

  • Compensation for theft and fire damage
  • Care and removal
  • Waiver of subrogation

How much is my premium?

Your premium may vary, depending on:

  • Vehicle Type
  • Vehicle Usage
  • Displacement : (CC, number of seats and GVW)
  • Vehicle age
  • Age of  named driver
  • Sum insured
  • Deductible
  • Garage
  • Product plan

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What we don't cover

Third Party Liability Coverage

Exclusion for third party loss of life or bodily injury

  • Driver of the motor vehicle who is legally liable, and his/her employees, spouse, parents and children of such driver
     

Exclusion of third party property damage

  • Property which is owned or under the care, control or possession of the Insured, or the driver, and his/her spouse, parents and children of the insured or the driver.
  • Weighbridge, vehicle bridge, railway bridge, road, race track, foot path, lawn or anything underneath, caused by vibration or weight of the motor vehicle or its load
  • Any luggage or other property
    • Carried on board a motor vehicle
    • Loaded in a motor vehicle
    • While being loaded to or while being unloaded from the motor vehicle
    • Being lifted from one place to another
  • Damage to property resulting from a leakage of chemical substance or hazardous goods carried on a motor vehicle, unless such leakage arises from
    • A motor accident
    • Leakage of gas or fuel from the running engine running of a motor vehicle
       

General Exclusion
The insurance under this section does not cover liability arising from:

  • Use of the motor vehicle outside the territory covered
  • Use of the motor vehicle for illegal purposes such as robbery, burglary or drug trafficking
  • Use of the motor vehicle for racing
  • Use of the motor vehicle for towing or pushing a motor vehicle except if the vehicle being towed or pushed is insured with the Company or the vehicle itself is a traction engine or the brake systems are joined together
  • Liability assumed under an agreement made by the driver which, in the absence of such agreement, would not have arisen
  • Driven by a person who, while driving , has an alcohol content in the blood of not less than 150 milligram percent
     

Own Damage Coverage

  • Depreciation or wear and tear of the motor vehicle
  • Breakage of  any mechanical part of the motor vehicle or breakdown or failure of any mechanical or electrical part of the motor vehicle not arising from an accident
  • Direct damage to the motor vehicle arising from carriage of load or load or number of passengers in excess of that authorized and not arising from an accident
  • Damage to tyres of the motor vehicle arising from tearing or bursting, except the loss of other parts of the motor vehicle simultaneously occurs
  • Loss arising from loss of use of the motor vehicle except when such loss arises from an unreasonable delay in repair caused by us
     

Exclusion of Use:
The insurance does not cover

  • Use of the motor vehicle outside the territory covered.
  • Use of the motor vehicle for illegal purposes, such as robbery, burglary or drug trafficking.
  • Use of the motor vehicle for racing.


Exclusion of Other Usages:
Use of the motor vehicle

  • For towing or pushing a motor vehicle except if the vehicle being towed or pushed is insured with the Company or the vehicle itself is a traction engine or the brake systems are joined together
  • At time of accident outside the scope as specified in the policy schedule


The motor vehicle is driven by

  • a person who, while driving, has an alcohol content in the blood of not less than 150 milligram percent
  • a person who has never obtained a license to drive any motor vehicle, or who has obtained it before but is disqualified to drive by law, or uses a driving license for motorcycle to drive a motor vehicle
 
Theft and Fire Coverage

Exclusion of Theft and Fire Coverage:

This insurance does not cover theft and fire damages caused by the following:

  • Damage or theft resulting from burglary or robbery by individuals who are authorized to use or possess the motor vehicle according to an agreement, a leasing agreement, a hire purchase agreement, pawn agreement or individuals entering into such agreements
  • Use of the motor vehicle outside the territory covered

 


Voluntary Motor Insurance / Additional
Coverage Endorsement / Personal Accident Insurance

 

Exclusions: This extension does not cover loss of life, loss of body organs or disability, arising directly or indirectly, wholly or partly from the commission of crime by the insured person.

 

 

 

Important information

These plans are subject to the supervision and administration of Tokio Marine Insurance (Thailand) PCL by plan coverage and benefits thereof, all of which are subject to requirements of the company and the policy conditions .

All detailed information are used for reference only