The Thailand Elite Card has been available for many years already. Although it comes with a price, it does have several benefits that no other Visa type has e.g.

• A long-term residence visa allowing you to reside in Thailand throughout the visa validity.

• Uninterrupted stay in Thailand without the usual need to leave the country every 90 days.

• No financial requirements (i.e.,800.000 THB in the bank for your Retirement visa)

• No health insurance requirements (provided you are not an incoming traveler)

• Expedited immigration formalities and passport control processing when arriving in Thailand.

• A 24/7 support center to assist you during your stay as well as concierge services that can assist you opening a Thai bank account, obtaining your Thai driver’s license, doing the 90-day report on your behalf* and so on.

• Access to numerous benefits and discounts across Thailand e.g. Airport lounge access, discounts in hotels and shopping centers etc.

*Only available in Bangkok, Chiang Mai, Phuket and Pattaya.

Interested in obtaining a Thailand Elite visa? AA Insurance Brokers has been a long term, authorized sales, and service agent. Check out our FAQ Elite visa page here. or drop an e-mail to We will be happy to assist!



After years of working closely together, AA Insurance Brokers Co., Ltd. is pleased to announce that we have entered into a definitive merger agreement with EuropAsia International Insurance Broker Co., Ltd.

AA Insurance began its professional insurance practice for both business as well as individuals in 2006. Its growth over the past 15 years has been predominantly generic stemming from the referrals of our client base and those of other professionals in the insurance market.

The growth and development of our professional staff has evolved in a similar manner. We have attracted high-quality, committed, and multi-lingual professionals and invested in their training, development, and growth. As a result of those efforts, we have experienced good strong growth over the past several years.

We have decided to seek a merger with another firm because we believe that a larger organization will strengthen our position on the Thai Insurance market and will allow us to provide a wider array of services, particularly in the corporate insurance field.

About EuropAsia International Insurance Broker:
EuropAsia was formed in 2006 by Urs Zimmermann. Urs has over 40 years of experience in the insurance industry during which he has held senior positions including CEO and Regional Management on 5 different continents. EuropAsia is specialized in insurance solutions for Small and Medium Enterprises (SME's), which are either owned or managed by foreigners in Thailand. Through Urs worldwide connections he and his team can handle all insurance issues whether big or small, complex or simple. EuropAsia is part of TRC (Trust Risk Control) and UnisonSteadfast, two worldwide networks of independent insurance Brokers. EuropAsia is the Thai partner in those networks servicing the local subsidiaries of Multinational companies and uses the network for international Thai clients, who have subsidiaries/operations overseas. EuropAsia works with Lloyd's of London for difficult to place insurance lines.

AA is very happy with the extension of our office network in Thailand. EuropAsia shares the same values as we do and EuropAsia has exceeded our hopes for a brokerage we can join with and continue the tradition we already have for excellent reliable service, deep expertise, and an environment our clients and associates want to be part of. Not only will we be able to service our Bangkok clients better but we are now able to provide you with many new services and areas of expertise including but not limited to complicated Company Insurances through Urs and his team. Please be rest assured you will continue to work with the same people you have in the past and all our staff are being retained in their current roles, the services we have provided you in the past will continue to be offered by the combined brokerage. You can find the contact details of our new Bangkok Office here


Most of us question some Vehicle Insurance rules in Thailand. Below an explanation about some of these rules.

1. Why is the Sum Insured of my Vehicle lower than the actual value?
In your Policy you will find the Sum Insured of your Vehicle. You may notice this amount is lower than the actual vehicle’s value i.e. the Sum Insured is 80 to 85 % of the market value. The main reason for this is that in cases of a total loss or Theft the Insurer will pay the stated amount on the Policy in full - not only on Day 1 of the Policy Year but also on Day 365 where the value is lower due to depreciation.

2. Do I get a replacement vehicle when mine is in repair?
Normally you will not receive a replacement vehicle while your vehicle is under repair. From 2 Years ago you can however claim Loss of Use from the Insurer of the other Party when the other Party was at fault at the rate of 500 baht a day for a sedan (as an example). This needs to be claimed by the vehicle Owner directly from the insurance company of the other party. This requires paperwork but a good Broker will assist you with this.

3. What is the difference between dealer and contract garage?
There are two types of policies available:

1. Policy based on Dealer Garage. With Dealer policies you can take your vehicle to the official Dealer for repairs. This is more expensive than a Policy with a Contract Garage and is usually an option available until the Vehicle is 5 Years old. In general, this is advisable as usually Dealers deliver a higher quality repair and tend to be faster with the repairs.

2. Policy based on Contract Garage. With Contract Policies, you are not allowed to take the Vehicle to the official dealer (unless you pay the difference between Dealer and Contract cost of the repair yourself). You will be given a list of approved Garages that has a contract with your insurance company.

4. What are the Insurance Requirements by Thai Law?
The only Insurance every Vehicle must have by Law is the CTPL (Compulsory Third Party Liability). As an example, the Policy is 645.21 baht per Year for a sedan. Cheap, but it only covers very limited amounts for bodily injury/death. Property damage is not covered under the Compulsory. All other insurance options (First, Second, Third Class, 2 + 1 etc.) are voluntary. It is not advisable to drive a Car without any extra insurance.

5. Do I receive No Claim Discount?

Normally you will receive a No Claim Discount as follows:
After 1 Year 20 %
After 2 Years 30 %
After 3 Years 40 %
After 5 Years 50 %

Note 1: This Discount only applies to the ‘base’ premium. The Policy premium is made up of several components and the Discount is not calculated over every component. Note 2: Contrary to what we are used to in other countries, the No Claim Discount belongs to the Vehicle and not to the owner. If you buy a new Vehicle, you will automatically start at 0 % No Claim Discount (except if under certain circumstances).

More information or looking for a quote, feel free to contact us.
Read all (20) Frequently Asked Questions here.


In 2020 we ran a successful sponsor project for the WFFT. WFFT was founded in 2001 with the goal to rescue captive wild animals and rehabilitate them as far as is feasible, allowing them to live the rest of their lives in a safe environment close to nature and providing them with the best care possible. Besides that to campaign against all forms of animal abuse and exploitation in Thailand working towards ending the illegal pet trade and discourage people from keeping any wild animals as pets. WFFT actively seeks to combat illegal wildlife trade and rescus animals from poor conditions and exploitation from human entertainment. Over the years WFFT has become a well-known and respected organization. However due to the Covid 19 crisis all the hard work of the last 19 years is now under stress as the main sources of income has been lost. Your help will go directly to the wildlife rescue center where thousands of kilo’s of food are needed day in, day out.

How it works?
We always notify you when it is time to renew your policy. Following this, you will normally pay cash at one of our offices or settle the premium by bank transfer. You could easily add an amount e.g. 100 Baht to the premium amount but more is of course allowed! Just inform us which project you selected and we will equal the amount from AA on top (with a maximum of 1.000 Baht) Do you wish to join us? Learn more