First-Class Commercial Insurance
Drive with complete confidence in Phuket.
All of our vehicles are covered by first-class commercial insurance,
so you can enjoy your holiday with total peace of mind.
What Makes Our Insurance Different
First-Class Commercial Insurance
Type 1 insurance with the highest level of coverage in Thailand.
Insurance Included
No extra fees. insurance is already included in our rental price.
Tokio Marine Insurance
Fully insured with /tokio Marine Insurance company.
Free Additional Driver
No extra charge for additional drivers (valid license required)
All insurance documents are kept in each vehicle. Our rental contract is available in both English and Thai.
What Is Covered
Our insurance covers:
✔️ Our vehicle
✔️ Third-party vehicles and property
✔️ Theft of the vehicle (if locked)
✔️ Bail bond (200,000 THB included) We provide a 200,000 THB bail bond insurance in the unlikely event of legal detention after an accident.
✔️ Commercial rental insurance (not personal insurance)
All insurance documents are kept in each vehicle.
Our rental contract is available in both English and Thai.
Important Coverage Details
Maximum coverage per accident:
Up to 10,000,000 THB
Maximum customer liability:
🔹 10,000 THB only
If you are not at fault → you pay nothing.
If you are at fault, joint negligence may apply:
Minor damage: 3,000 – 5,000 THB
Maximum liability: 10,000 THB
This is the highest amount you would ever be responsible for.
What Is Not Covered
❌ Personal belongings left in the vehicle
❌ Driving under alcohol or drugs
❌ Driving without a valid license
❌ Illegal use of the vehicle
Insurance will be void in these cases.
WHAT TO DO IF YOU HAVE AN ACCIDENT (3 SIMPLE STEPS)
STEP 1 Contact Us Immediately
Call or WhatsApp us at +66 805699810 We will contact the insurance company for you right away.
STEP 2 Wait for the Insurance Officer
Please stay at the accident location. The insurance officer will come to assist you.
STEP 3 Follow the Insurance Instructions
Cooperate with the insurance officer and provide any required documents or information.
Don’t worry. We are here to support you and make the process as smooth as possible.
Our Promise
We use commercial rental insurance, not personal insurance. No shortcuts. No hidden risks.
Just honest protection so your holiday stays stress-free.
Driver Requirements
✔️ Valid driver’s license from home country
✔️ International Driving Permit (IDP) recommended in Thailand
✔️ All drivers must be declared to be insured
Insurance & Terms
First Class Commercial Insurance
At Island Drive Phuket, we believe in clear, honest, and stress-free car rental.
All of our vehicles are covered by first-class commercial insurance, so you can enjoy your trip with peace of mind.
First-class commercial insurance in Thailand (also known as Type 1 insurance) provides the highest level of coverage for rental cars and commercial vehicles.
The Tokio Marine Insurance Company
Despite their claims many of the road side renters on Phuket have little or no insurance and some other companies add it to the rental price. Phuket Thai Car Rent are fully and comprehensively insured with The Tokio Marine Insurance Company for our vehicle and any vehicle or property that you may be in collision with and this insurance is not an extra, it is included in our rental price. Insurance included in our price.
Also we have no charge for an additional driver (All drivers should have a valid driving license to be covered by our insurance).
Our rental contract is available in English and Thai
A copy of the insurance papers are stored in each car.
- In addition, we have obtained a caution security insurance (bail bond), offering bail of 200,000 Baht in the unlikely event that our clients are confronted with detention/imprisonment due to an accident (also already included in the rental price).
- It should be noted that whilst our insurance covers our car in total and any third parties vehicle or property up to a maximum of 10,000,000 (Ten Million) Baht per accident, medical coverage of driver and passengers in our car is limited, different amounts are set for different types of injury which are standard in Thailand but not high by western standards and travel insurance is recommended for this.
- Theft of our vehicle is included under our insurance (as long as it was locked at the time) and although we have not had a problem with this it should also be noted that theft/loss of any personal belongings left in the vehicle would not be included.
We use commercial rental insurance, not personal insurance.
If you are not at fault, you pay nothing.
If you are at fault, joint negligence may apply:
- Minor damage: 3,000–5,000 THB
- Maximum liability: 10,000 THB
🔹 Standard Deductible: Our insurance includes a 10,000 THB excess/deductible for any claim. This is the maximum amount you would be responsible for in case of an accident.
In case of joint negligence or where fault cannot be determined, the renter may be responsible for a shared liability, not exceeding the maximum liability stated above.
Insurance coverage will be void if the vehicle is driven by an unlicensed driver, under the influence of alcohol or drugs, or used in violation of Thai law.
The renter must hold a valid driver’s license from their home country. An International Driving Permit (IDP) is recommended in Thailand.
🛠 Accident & Breakdown Support
In case of an accident or problem:
Contact Island Drive Phuket immediately
Take photos and do not move the car unless required for safety
Our local team will assist you 24/7
We are always here when you need us.
💳 No Credit Card Hold
We do not place any credit card hold or pre-authorization.
We only require:
Passport copy
Driving license
Security deposit (cash or transfer, depending on vehicle)
Simple. Honest. No surprises.
Drive with Confidence – Insurance FAQ
What type of driver’s license do I need to rent and drive a car in Thailand?
If you are from an ASEAN country, you may drive in Thailand using your valid national driver’s license.
ASEAN countries include:
Malaysia, Singapore, Indonesia, Philippines, Vietnam, Cambodia, Laos, Myanmar, Brunei, and Thailand.
Most insurance companies accept a valid driver’s license from your home country, especially if it is written in English or has an English translation. This is usually sufficient for insurance coverage.
However, please kindly note that under Thai traffic law, the police may still request an International Driving Permit (IDP).
If you do not have an IDP, you may be fined approximately 1,000 THB, even if your home country license is accepted by the insurance.
For your convenience and peace of mind, we strongly recommend carrying:
Your valid home country driver’s license
An International Driving Permit (IDP)
This helps you avoid any issues at police checkpoints and ensures a smooth, worry-free driving experience in Thailand.
Can I drive with an Australian licence?
Yes, you can drive with your Australian driver’s license. However, an International Driving Permit (IDP) is strongly recommended in Thailand and required by law in many situations.
Where am I allowed to drive?
For your safety and insurance coverage, our vehicles may be driven only within Phuket, Phang Nga, Krabi, and Surat Thani (Samui).
Unfortunately, driving outside these areas is not permitted.
Is insurance really included?
Yes. All our rentals include First-Class Commercial Insurance (Type 1). There are no extra insurance fees. Everything is already included in the rental price.
What type of insurance do you use?
We use commercial rental insurance, not personal insurance. Our vehicles are fully insured with Tokio Marine Insurance, one of Thailand’s leading insurance companies.
What is not covered by the insurance?
Personal belongings left in the vehicle
Medical expenses beyond the standard Thai insurance limits
We strongly recommend that all customers have personal travel insurance.
When is insurance invalid?
nsurance becomes void if the car is:
Driven by an unlicensed driver
Driven under the influence of alcohol or drugs
Used illegally or outside permitted areas
What should I do if I have an accident?
Contact us immediately via WhatsApp or phone.
Do not move the vehicle unless it is unsafe.
Wait for the insurance officer to arrive.
We will guide you through everything.
A simple, honest, and stress-free car rental experience. No hidden fees, no credit card hold, and full commercial insurance included.Just reliable cars and fruebdkt service you can trust.