What is Travel Allowance?
A travel allowance is an add-on cover that can be taken with a car insurance policy. This add-on becomes effective if your vehicle breaks down as a result of an accident, natural disasters, riots, or any other incidents that can cause your car to break down.
If your car has to be taken to a garage, you will also be eligible to receive a fixed daily travel allowance. While your vehicle is being repaired, the travel allowance provided by your insurance policy can be used to hire a taxi or rent a car.
If your car is destroyed in an accident covered by your comprehensive car insurance more than 50 miles from home, travel allowance compensation accounts for meals, lodging, and transportation.
Other Related Products
Below is some related insurance you may want to consider to protect your vehicle.
Car Depreciation
One way you can protect your car from depreciation is to get a Depreciation Cover. You can get this cover as an add-on to your car insurance policies by paying an additional amount of premium.
Daily Income Compensation
If you are hospitalised as a result of an accident, you could be eligible for daily income payments for up to 30 days from the date of the accident. Your premium determines the amount of compensation you get.
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Required Documents for Travel Allowance?
The following are the documents that must be submitted in order to receive a travel allowance.
1 – Documents from the third-party insurance company that were used to repair the vehicle.
2 – Bangkok Insurance Claim Form or Accident Report Form that clearly specifies the accident information
3 – A police report describing the circumstances of the crash, including who was at fault, the cause of the accident, and the third party’s licence plate.
4 – A car pick up slip that should have been given to you by the garage.
5 – A photocopy of the garage receipt.
6 – Picture of the damage.
7 – Any other documentation that the insurance provider may need.
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Benefits of Travel Allowance
When you live in an area where taking public transportation is difficult and your car is being repaired, this feature comes in handy. For some people, traveling can be a bit complicated without their car.
What Are the Conditions and Exclusions?
You will receive a travel allowance starting from the day the insurance provider was notified in writing of the claim or when the car was sent to a network garage for repairs. The allowance will be charged until the repairs are finished or until the prescribed number of days (as per the policy’s terms) has passed.
The insurance company will pay a lump sum amount of travel allowance for a period of 10 days under the add-on if the car has suffered major damage, such as a Total Loss or is stolen. But there are some exclusions when it comes to this add-on.
1. If the demand is denied, you will not receive the travel allowance.
2. If only the windshield or glass sections of the vehicle have been damaged, the insurer will not honour a claim against travel allowance.
3. If the number of days needed to repair the car is less than the number of minimum days stated in the policy terms, you cannot file a claim for the travel allowance.
Inquire Now to Receive your Travel Allowance Quotes