
Every Rental Car Comes with First-Class Commercial Insurance
📌 If you're not at fault: You won't be charged an excess for covered damage when the other party's liability is established.
📌 If you're at fault: Your maximum excess is THB 10,000 per covered incident, provided the claim is covered and you comply with the rental agreement and applicable insurance conditions. The insurance covers eligible costs beyond the applicable excess, subject to the policy terms and conditions.
We believe in honest pricing, clear information, and friendly support. Your safety and peace of mind matter to us.
No insurance upsells. No unnecessary surprises.
Just clear rental terms and support when you need us.
First-class commercial insurance is already included in the rental price of every car — there’s nothing extra to pay.
Insurance Designed for Rental Cars
Every Turtle Car Rental vehicle is insured under First-Class Commercial Car Insurance for rental use. Insurance is included in the quoted rental price.
We explain the main coverage benefits below so you can understand the protection available before booking.
What's Included in Our First-Class Insurance?
Own Damage Coverage
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Coverage for damage to the insured rental vehicle, typically up to 530,000 THB per accident, depending on the vehicle and its insurance policy.
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Coverage includes eligible collision and accidental damage.
Third-Party Liability
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Property damage: Coverage typically up to 10,000,000 THB per accident.
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Bodily injury or death to a third party: Coverage typically up to 500,000 THB per person.
Fire and Theft
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Coverage up to the insured value of the vehicle, depending on the vehicle and its applicable insurance policy.
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If the vehicle is stolen while properly locked and the car key remains in your possession, you must report the theft to the police and obtain an official police report. In this case, your maximum excess is THB 3,000. If you fail to file a police report, the applicable excess will be THB 10,000.
Personal Accident Insurance
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Driver: Coverage up to 50,000 THB.
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Passengers: Coverage up to 50,000 THB per person, for up to 6 passengers.
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Medical expenses: Coverage up to 50,000 THB per person.
Bail Bond
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Coverage up to 1,800,000 THB/Accident
📌 Coverage limits and conditions may vary by vehicle, and all claims remain subject to the applicable insurance policy.
Frequently Asked Questions
Does the THB 10,000 excess apply to every accident, even if the repair costs are very high?
Yes. If you are at fault in an accident covered by the insurance, your maximum excess is THB 10,000 per incident, regardless of the total repair cost, subject to the insurance policy terms and conditions.
Important: If you drive under the influence of alcohol or drugs, insurance coverage may be void under the applicable policy terms. In such circumstances, you may be held responsible for the full cost of the damage.
If the car breaks down due to a mechanical fault, will I have to pay for towing, repairs or a replacement vehicle?
No. If the vehicle breaks down due to a mechanical fault not caused by misuse or negligence, you will not be charged for towing or repairs. Our operations team will assess the situation and arrange assistance or a replacement vehicle if necessary.
Is theft covered by the insurance included in the rental price?
Yes. Theft is covered by the First-Class Commercial Car Insurance included in your rental price, subject to the applicable policy terms and conditions. The applicable excess is THB 3,000 if you file a police report and the vehicle was locked with the car key remaining in your possession, or THB 10,000 if you do not file a police report.
If another vehicle damages my rental car and I am not at fault, will I have to pay anything upfront?
No. If another vehicle damages your rental car and you are not at fault, you will not have to pay anything. An insurance company representative will handle the claim and coordinate the necessary procedures.
Please confirm whether the included insurance covers the following:
- Tyres, wheels and rims
- Windscreen and all windows
- Side mirrors
- Roof
- Undercarriage
- Scratches, dents and minor parking damage
- Damage caused by an unknown third party while the car is parked
Yes. All the listed vehicle parts and types of damage are covered by our First-Class Commercial Car Insurance, subject to the applicable policy terms and conditions.
- Tyres, wheels and rims: Covered by insurance.
- Windscreen and all windows: Covered by insurance.
- Side mirrors: Covered by insurance.
- Roof: Covered by insurance.
- Undercarriage: Covered by insurance.
- Scratches, dents and minor parking damage: Covered by insurance.
Damage caused by an unknown third party while the car is parked: Covered by insurance.
If you are at fault, the applicable excess is THB 10,000 per incident. If another party is responsible for the damage and you are not at fault, you will not be required to pay, subject to the circumstances and insurance claim assessment.
All claims remain subject to the insurance policy terms and conditions.
Do you offer any additional insurance that reduces or eliminates my THB 10,000 excess?
No. We offer only our standard First-Class Commercial Car Insurance, which is included in the rental price. We do not offer additional insurance to reduce or eliminate the THB 10,000 excess.
Is flood/water damage covered?
Yes. Flood and water-related damage is covered by our First-Class Commercial Car Insurance. If you are at fault, the maximum excess is THB 10,000 per incident.
Please note that driving the vehicle into the sea or deliberately submerging it is not permitted and may void insurance coverage.
Could you please provide a copy of the insurance policy or the full insurance terms and conditions?
Yes. Please contact us via WhatsApp, and we will provide the relevant insurance documents for your review. Each vehicle has its own insurance policy documents, so we will provide the documents applicable to your rental vehicle.
What are the insurance limits for damage caused to other vehicles or property?
Our First-Class Commercial Car Insurance includes third-party liability coverage for damage to other vehicles and property, with coverage typically up to THB 10,000,000 per accident.
The exact coverage limit may vary slightly depending on the insurance company and the specific vehicle. Every vehicle is insured under a commercial car insurance policy for rental use.
What is the exact name and type of insurance included in the rental price?
The insurance included in our rental price is First-Class Commercial Car Insurance, which covers both rental use and personal use. It is specifically insured for commercial rental purposes, unlike a standard personal-use car insurance policy, which may not cover rental activities.
If the car is stolen while I have followed all rental conditions, what is the maximum amount I could be required to pay?
If the vehicle is stolen while properly locked and the car key remains in your possession, you must report the theft to the police and obtain an official police report. In this case, your maximum excess is THB 3,000
If you fail to file a police report, the applicable excess will be THB 10,000.
Please ensure that you notify us immediately and cooperate with the necessary insurance claim procedures.
What is the maximum amount I would have to pay if I caused an accident?
If you are at fault in an accident covered by the insurance, your maximum excess is THB 10,000 per incident, regardless of the total repair cost.
Important note : If you drive under the influence of alcohol or drugs, insurance coverage may be void under the applicable policy terms. In this situation, you may be held responsible for the full cost of the damage.
Are there any additional mandatory fees, insurance charges or administrative fees not included in the quotation?
No. The quoted price includes the rental cost and insurance. There are no additional mandatory fees, insurance charges, or administrative fees beyond the agreed rental terms.
What happens if the car cannot be repaired on the same day?
If the vehicle cannot be repaired on the same day due to a mechanical fault, we will arrange a replacement vehicle and provide additional rental hours/days free of charge to compensate for the inconvenience.
Are legal expenses covered if a third party makes a claim?
Legal expenses covered under the insurance policy are included, and an insurance-appointed lawyer will be provided where applicable. However, if you choose to hire your own lawyer instead, their fees will not be covered by the insurance and will be your responsibility. All coverage remains subject to the applicable policy terms and conditions.
Would I be financially responsible for the full value of the vehicle in any circumstances other than negligence or a breach of the rental agreement?
If the incident is covered by our insurance and you comply with the rental agreement and applicable insurance conditions, your liability is limited to the applicable excess. However, if the insurance claim is rejected due to an excluded circumstance, negligence, or a breach of the rental agreement, you may be held responsible for the full cost of the loss, subject to the applicable policy terms and legal requirements.
Is there a separate excess or deductible for theft?
There is no additional excess charged on top of the applicable amount. Our standard excess is THB 10,000 per incident. However, in the event of theft, the excess is reduced to THB 3,000 if the vehicle was properly locked, the key remains in your possession, and you file a police report. If no police report is filed, the excess is THB 10,000.
Are the driver and passengers covered for personal injuries?
Yes. Personal Accident Insurance (PA) is included, with the following coverage:
- Driver: Up to THB 50,000.
- Passengers: Up to THB 50,000 per person, for up to 6 passengers.
- Medical expenses: Up to THB 50,000 per person.
What coverage is provided for injuries to other people?
Our First-Class Commercial Car Insurance includes third-party bodily injury and death coverage, typically up to THB 500,000 per person. The exact coverage limit may vary by vehicle and insurance company.
Is 24-hour roadside assistance included in the rental price?
Yes, we provide 24-hours assistance in Phuket area, assisted by our on ground operation team, contact point operator and insurance representative.
What Is Your
Maximum Liability?
All Turtle Car Rental vehicles include First-Class Commercial Car Insurance for rental use.
If you are at fault: Under our rental agreement, your maximum liability for covered vehicle damage is 10,000 THB per incident, regardless of the total repair cost. The insurance covers the remaining eligible costs, subject to the applicable policy terms and conditions.
If you are not at fault: You will not be charged an excess for covered damage when the other party's liability is established, subject to the applicable insurance terms.
Insurance exclusions and breaches of the rental agreement may affect coverage and your financial responsibility.
Please review the applicable terms before booking.
Why Choose
Turtle Car Rental
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Transparent Insurance Terms — Understand your coverage and customer liability before booking.
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Commercial Rental Insurance Included — Insurance is included in the quoted rental price.
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Clear, Honest Pricing — No hidden insurance charges or unnecessary upsells.
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Additional Drivers Included — No extra charge for additional drivers, subject to our rental requirements.
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Insurance Documents Available — Request the policy documents applicable to your vehicle.
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Regular Vehicle Inspections — Our team checks vehicles to help keep them in good condition.
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Friendly Customer Support — Assistance before, during, and after your rental.
What to Do
in Case of an Accident🚨

Step 1
Stay calm and contact Turtle Car Rental right away. We’re here to support you.

Step 2
Wait safely for the insurance officer to arrive and assist you.

Step 3
Submit your insurance documents upon return — quick, simple, and worry-free.
A Few Important Notes📝
⚕️ Travel insurance is recommended to cover medical expenses beyond the scope of car insurance.
🎒 Personal belongings are not included in the coverage — please ensure you keep them with you.
📑 A valid driver’s license is required (an International Driving Permit is strongly recommended for foreign drivers).
🚫🍷Insurance coverage is subject to the applicable policy terms, conditions, and exclusions. Driving under the influence of alcohol or drugs, driving without the required valid licence, or other circumstances specified in the policy may affect coverage. Please follow Thai traffic laws and contact us immediately if an accident occurs.
