What is Smile 2 Plus & 3 Plus Flood?

It is a policy which covers specific perils arising from:

  • Collision with other vehicles
  • Theft and fire*
  • Flood

 

It includes:

  • Liability to third party:
    • bodily injury
    • property damage
  • Own damage of insured vehicle arising from collision with other movable vehicles
  • Theft and fire of insured vehicle*
  • Own damage of insured vehicle arising from flood
  • Personal accident cover for the driver and passengers
  • Medical expenses
  • Bail bond
*Own damage of insured vehicle caused by theft and fire for 2 Plus Flood

Options

Smile 2+ Flood
Covers:

  • Own damage for insured vehicle arising from 
    • collision with other movable vehicles
    • flood
  • Theft and fire coverage for insured vehicle
  • Third party bodily injury and property damage liability
  • Alternative applying for deductible and non deductible
  • Premium starting from Bht.8,000
     

Additional perils :

  • Personal accident cover for driver and passengers
  • Medical expenses
  • Bail bond
     

Smile 3+ Flood
Covers:

  • Own damage for insured vehicle from
    • collision with other movable vehicles
    • flood
  • Third party bodily injury and property damage liability
  • Alternatives : applying deductible or non deductible
  • Premium starting from Bht.7,700
     

Additional perils:

  • Personal accident cover for driver and passengers
  • Medical expenses
  • Bail bond

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 arising from collision with other movable vehicles and flood

Own damage of insured vehicle arising from collision with other movable vehicles and flood

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

Theft and fire coverage for insured vehicle **

Theft and fire coverage for insured vehicle **

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

How much is my premium?

Your premium may vary, depending on:

  • Type of vehicle: Sedan, pickup and van
  • Sum insured
  • Displacement: Engine capacity (cc), number of seats and GVW
  • Usage: Private or commercial
  • Garage conditions : General or dealer garage repairing
  • Applying for deductible or non-deductible

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What we don't cover

Third Party Liability Coverage

Exclusion of third party loss of life or bodily injury

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

Exclusion of third party property damage

  • Property which is owned or under care, control or possession of the insured, or the driver, or spouse, parents and children of the Insured or the driver
  • Weighbridge, vehicle bridge, railway bridge, road, race track, foot path, lawn or anything underneath such things arising from vibration or weight of the motor vehicle or weight of the load of the motor vehicle
  • Any luggage or other property being carried on board a motor vehicle or property being loaded in a motor vehicle or while being loaded into or while being unloaded from the motor vehicle or property being lifted from one place to another
  • The property sustains a damage from the leakage of chemical substance or hazardous goods carried on a motor vehicle unless such leakage arising from a motor accident or the leakage of gas or fuel from 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 purpose, such as robbery, burglary or drug trafficking
  • Use of the motor vehicle for racing
  • Use of the motor vehicle for towing or pushing except a vehicle being towed or pushed that 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
     

Exclusion of Use

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

Exclusion for Theft and Fire Damage:
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 by individuals who are entering into such agreements
  • Use of the motor vehicle outside the territory covered
     

Endorsement of coverage for damage to motor vehicle arising from collision between movable vehicle (M.V.P.10)

Exclusion of Damage to the motor vehicle:
This insurance does not cover:

  • 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 such loss arising out of unreasonable delay in repair caused by the Company
     

Exclusion of Use:
This 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:
This insurance does not cover:

  • Use of the motor vehicle for towing or pushing except a vehicle being towed or pushed that is insured with the Company or the vehicle itself is a traction engine or the brake systems are joined together
  • Use of the motor vehicle, at time of accident, outside the scope as specified in the policy schedule
  • Driving by a person who, while driving, has an alcohol content in the blood of not less than 150 milligrams percent
  • Driving by 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

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