Type 2+ insurance for every car
Every Joy Journey car is covered by voluntary Type 2+ motor insurance. The policies permit rental use, and insurance is already included in the rental price.
What Type 2+ insurance covers
Damage to the rental car caused by a collision with another identifiable land vehicle.
Liability for third-party bodily injury and property damage within the policy limits.
Theft or fire.
Medical expenses and personal accident cover for the driver and passengers.
Driver bail bond within the policy limit.
The same limits apply to our entire car fleet
The key Type 2+ limitation
Damage to the rental car is covered when it collides with another identifiable land vehicle. Damage caused by hitting a wall, gate, post, tree or another stationary object is outside this collision cover. It is also essential to record the other party’s plate number, driver details and photographs of the accident scene.
Responsibility for vehicle damage
Insurance reduces financial risk, but it does not remove all responsibility from the renter:
If the driver is found at fault and the car requires repairs, the refundable deposit will not be returned. The renter also pays for vehicle downtime at the rental rate stated in the agreement for the documented repair period, up to a maximum of 60 calendar days.
If the driver is found at fault and repair costs exceed the 200,000 ฿ insurance limit, the renter pays the documented difference between the insurance payment and the actual repair cost.
If the driver is not at fault, the renter is not charged for vehicle downtime or repair costs above the insurance limit.
If damage occurs without a collision with another party—for example, by hitting a wall, gate, post, tree or another obstacle—or if the incident was not promptly reported to Joy Journey and documented as an accident, minor body damage is charged at 5,000 ฿ for each separate panel that requires repainting.
In these cases, if a damaged part must be replaced, the renter pays the current official dealer price for the part plus 5,000 ฿ for painting and replacement work for each part.
If a tyre is punctured or otherwise damaged, the renter arranges and pays for the repair independently at any convenient tyre service. Do not continue driving on a flat tyre, as this may damage the tyre, wheel and suspension.
Separate body panels include, for example, a bumper, door, fender, hood, trunk lid and quarter panel.
The fixed per-panel charge applies only to the cases described in items 4–5. For a promptly reported and properly documented accident involving another party, responsibility is determined under the insurance terms and items 1–3.
How to find a tyre service on Google Maps
Open any of these searches and Google Maps will show nearby repair shops based on your location:
Breakdowns caused by the renter
The renter is responsible for a breakdown or damage caused by their actions or by violating the operating rules. This includes:
- •using the wrong fuel or adding unsuitable technical fluids;
- •continuing to drive after an overheating, low oil pressure or other critical warning;
- •driving on a flat tyre and damaging the tyre, wheel or suspension;
- •driving through deep water, off-road or on routes unsuitable for the vehicle;
- •overloading, unauthorised towing or using the vehicle for an unintended purpose;
- •ignoring an instruction to stop and contact Joy Journey after signs of a malfunction appear.
Conditions of insurance cover
- Only drivers listed in the rental agreement may drive the car.
- The driver must hold a valid licence of the correct category that is recognised in Thailand.
- Driving under the influence of alcohol or prohibited substances is not allowed.
- Thai traffic rules and the rental agreement must be followed.
- Joy Journey must be informed immediately about any incident.
What to do after an accident
- 1.Stop and make sure the driver and passengers are safe.
- 2.Contact Joy Journey immediately by phone or WhatsApp.
- 3.Do not leave the scene or agree to any payment without consulting us.
- 4.Photograph the vehicle positions, damage, licence plates and the road.
- 5.Collect the other driver’s and insurer’s details.
- 6.Wait for the insurance representative or police.
We will contact the insurer and assist you throughout the claim process.
Would you like to check the terms before booking?
Message us for details and help choosing the right car.