These Terms of Service ("Terms") govern your access to and use of the application, website, products, and services ("Services") provided by DRIVE2THAI PLT (Company No. 202404002399 (LLP0039897-LGN)), so please read these Terms carefully before using our Services. References to "you" in these Terms mean you, your duly authorized representatives, and any entity you may represent in connection with your use of the Services. Any reference made in these Terms of Service to DRIVE2THAI shall be deemed to refer to DRIVE2THAI PLT, its subsidiaries, successors, assignees, and affiliates, as well as any company that controls DRIVE2THAI, directly or indirectly, and any other subsidiary of that controlling company, as applicable.
Not all of the products or services described on this Site are available in all areas, and you may not be eligible for them. We reserve the right to determine eligibility. By accessing or using our Services, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms or the Privacy Policy, please do not access or otherwise use our Services or any information contained herein.
We reserve the right, at our discretion, to modify these Terms from time to time. Modifications will be effective upon the posting of the modification to our application ("App") or website (collectively, "the Site") and will apply to causes of action arising after the effective date of the change. You should continue to check the Site for changes. Your continued use of our Site or Services following the posting of changes to these Terms will mean that you accept those changes.
By accessing or using our Services, you confirm that:
- You can form a binding contract with us; and
- You are over the age of 18, as the Services are not intended for children under 18. If it comes to our attention that a registered user is under 18, we will cancel that user's account and/or access to the Services.
If you are using the Services on behalf of a corporation (or any legal entity other than personally), you represent that you are authorized to enter into an agreement on behalf of that legal entity and are individually bound by these Terms, even if we have a separate agreement with such corporation.
POLICY RENEWAL AND REFUNDS
At DRIVE2THAI, we understand that situations may arise where you require a refund. Here's what you need to know:
Refund Process
All refund requests are carefully reviewed by our dedicated team on a case-by-case basis. Our team conducts thorough investigations to ensure fairness, and the duration of the refund process may vary depending on the nature of the request. Please note that refund eligibility is subject to the discretion of the insurer. For updates on the status of your refund, feel free to reach out to our customer service team.
For policies that are purchased but not enforced by insurers yet, a full refund of payment will be extended once a request is made through our customer service team. There will be no processing fees charged for any refund processed under this scenario.
Refunds Due to Submission, Insurance, or Underwriting Delays
There may be instances where we are unable to submit and secure coverage for your insurance case, or receive underwriting approval within the stipulated time frame. In such cases, a refund will be processed for you:
- If we are unable to submit and insure your car within 15 minutes of payment.
- If we are unable to submit and insure your motorbike within 3 working hours of payment.
- If underwriting approval is not obtained within the required timeframe.
Overpayment
In the event of overpayment, any excess amount will be promptly refunded to you.
Cancellation and Refund Requests
To initiate a cancellation and refund request, kindly provide us with a valid receipt and a formal refund request for validation purposes.
Additional Information
Before proceeding with any refund request, please ensure that you have not been blacklisted or suspended by any regulatory authority. Failure to disclose such information may result in the rejection of your refund request.
Promotional Offers
Periodically, we run marketing and promotional campaigns offering voucher codes, lucky draws, or other enticing offers on our site. These vouchers come with validity periods, redemption limitations, and additional terms and conditions. Unless explicitly stated otherwise, vouchers are exclusive to our site, non-transferable, non-exchangeable, and non-refundable. We reserve the right to modify the terms and conditions of promotions at any time.
At DRIVE2THAI, we strive to provide transparent and efficient services to our valued customers. Should you have any questions regarding our refund policy or any other matters, please contact our customer service team.
Warranties and Disclaimers
We provide our Services using a commercially reasonable level of skill and care and hope that you will enjoy using them. However, certain things are not guaranteed:
While DRIVE2THAI does not warrant the reliability, availability, or ability to meet your needs, we will take reasonable measures to ensure the accuracy and validity of information on the Site.
DRIVE2THAI does not warrant or represent that access to the whole or part(s) of this website, the materials, information, and/or functions contained therein will be uninterrupted.
Web and Mobile Application
The information available on the Site should not be construed as insurance advice by DRIVE2THAI. While we take reasonable measures to ensure the accuracy and validity of information, DRIVE2THAI is not liable for any inaccurate, missing, or misconstrued information and makes no guarantee as to its quality or precision. Insurance purchasing conclusions and decisions, including coverage amounts, limits, and deductibles, are the sole responsibility of the insured based on information from the insurance agent on the Site.
Application License
We grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use the Services, provided that:
- You will not copy, distribute, or modify any part of the Services without our prior written authorization.
- You will not send unsolicited advertisements, spam, chain letters, etc.
- You will not transmit any harmful computer code, files, or programs.
- You will not disrupt servers or networks connected to the Services.
- You will comply with these Terms and DRIVE2THAI’s policies from time to time.
Using our Services does not grant you ownership of any intellectual property rights in the Services or the content you access, which remain with DRIVE2THAI and our licensors.
DRIVE2THAI Rights
All rights, titles, and interests in the Services, including worldwide intellectual property rights, remain the exclusive property of DRIVE2THAI and its licensors. We reserve all rights not expressly granted in and to the Services.
Purchase Information
To access and use our services, you are required to provide accurate and complete information at the time of purchase. This includes any information necessary for the insurance application or claims process. You represent and warrant that all details provided during the purchase process are true and accurate. You are responsible for ensuring that any changes to this information are promptly communicated to us to ensure continued accuracy.
Privacy and Passwords
DRIVE2THAI values and protects the privacy of your information. Please review our Privacy Policy for important information relating to your use of the Site and Services.
Some portions of the Site require a user identification code (“User ID”) and pin/password for access. Unauthorized access or use of these portions is prohibited. You agree to notify DRIVE2THAI immediately if you believe that a third party has obtained your User ID or password or if any unauthorised access may occur. For your protection, DRIVE2THAI may terminate or suspend access if we suspect unauthorised use, with or without prior notice.
Linked Accounts and Social Networking Sites
DRIVE2THAI may allow you to link your purchase information or interactions to third-party services, such as social networking sites (“Linked Accounts”). If you choose to link your purchase or interaction details, you authorize DRIVE2THAI to store and use your credentials to access your Linked Account. This integration may include importing preferences or sharing relevant updates via Linked Accounts.
UNDERWRITING
Your general insurance and takaful products will be issued based on our system algorithm, with the provider selected dynamically, which could include but is not limited to the following underwriters:
- Thaipaiboon Insurance Public Co., Ltd.
- ERGO Insurance (Thailand) Public Co., Ltd.
- RVP Insurance Public Co., Ltd.
- The Navakij Insurance Public Co., Ltd.
INSURANCE QUOTES AND COVERAGES
All quotes generated on the DRIVE2THAI platform are based on the information provided by you. These quotes do not constitute a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions on the Site are general descriptions and are not a statement of contract.
To obtain coverage, you must submit an application via the DRIVE2THAI platform. All applications are subject to underwriting approval, and coverage availability may vary based on local jurisdiction and the specific insurer.
If you are applying for insurance through DRIVE2THAI, please ensure that all questions are answered fully and accurately, as failure to do so may result in the refusal or reduction of your claim, or changes to or cancellation of your insurance contract.
CLAIMS SUBMISSIONS
To submit an insurance claim, you may follow these steps:
- Contact our 24-hour hotline: +60 3-[insert contact number] for assistance.
- Provide all relevant documentation: Include the incident report, photos, and other required information.
- Assessment and Repair: Our team will assess your claim promptly and provide recommendations for repair.
- Claim Resolution: Upon claim approval, we aim for a fast and successful resolution.
At DRIVE2THAI, we strive to provide efficient and professional assistance throughout the claims process.
USER CONTENT GENERAL
The Service may request that you submit content such as text, photos, audiovisual content, and other media content (“User Content”). By providing User Content to DRIVE2THAI, you grant DRIVE2THAI a license to use the User Content to make it available through the Service.
LICENSE GRANT BY YOU TO DRIVE2THAI
By uploading User Content, you grant DRIVE2THAI a royalty-free, worldwide, irrevocable license to display, perform, distribute, modify, and reproduce your User Content. This includes a right to sublicense and disclose your content to third parties as required for service operation.
SUBMITTED IDEAS POLICY
When you submit any ideas, suggestions, or proposals related to the Service (or other products or services) to DRIVE2THAI, you agree that:
- The submissions are non-confidential.
- DRIVE2THAI may use or disclose them for any purpose.
- The submissions automatically become the property of DRIVE2THAI without any entitlement to compensation.
UNAUTHORIZED USE
Do not misuse our Services. You agree not to use the Services for any unlawful purposes, or in any way that harms or disparage others. This includes, but is not limited to:
- Complying with all applicable laws.
- Providing accurate information and acting honestly.
- Not engaging in defamation, harassment, or predatory behavior.
- Not infringing DRIVE2THAI’s intellectual property rights.
You also agree not to:
- Use automated methods to access or misuse the Service.
- Engage in any action that interferes with the proper operation of the Service, such as transmitting viruses or disrupting servers.
NOTICES
DRIVE2THAI may send service announcements or other messages related to the Service. You can opt-out of certain communications.
THIRD-PARTY LINKS
The Service may contain links to third-party websites. DRIVE2THAI assumes no responsibility for the content, privacy policies, or practices of third-party websites.
DISCLOSURE
We reserve the right to access, review, preserve, and disclose any information as we reasonably believe is necessary to:
- Comply with legal requirements;
- Enforce these Terms;
- Address fraud, security, or technical issues;
- Cooperate with law enforcement;
- Respond to user support requests;
- Protect the rights, property, or safety of Drive2Thai, its users, or the public.
LIMITATION OF LIABILITY
To the fullest extent permitted by law, the Service is provided “As Is.” You acknowledge that your use of the Service is at your own risk. The Service and products are provided on an “as is” and “as available” basis. Drive2Thai disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Drive2Thai does not guarantee that the Service will meet all your needs or be error-free. No oral or written information from Drive2Thai will create any warranty not explicitly stated in these Terms. Drive2Thai and its affiliates are not liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including lost profits, goodwill, or data.
ASSIGNMENT
Drive2Thai may transfer, assign, sublicense, or pledge its rights and obligations under these Terms to any affiliate, successor, or third party without prior notice. You may not transfer your rights or obligations under these Terms without Drive2Thai’s prior written consent.
INDEMNITY
You agree to indemnify, defend, and hold harmless Drive2Thai, its affiliates, officers, employees, and licensors from any claims, damages, liabilities, and costs arising from:
- Your use of the Services;
- Violation of these Terms;
- Violation of any third-party rights, including intellectual property and privacy rights;
- Any actions taken through your account.
GOVERNING LAW AND JURISDICTION
These Terms, the Services, and your use of the Site are governed by the laws of Thailand. You agree to submit to the jurisdiction of the courts of Thailand.
GENERAL
We reserve the right to modify or discontinue any aspect of the Services. These Terms, along with our Privacy Policy and any legal notices, constitute the entire agreement between us. If any part of these Terms is deemed invalid, the remaining provisions will remain in effect. Failure to enforce any provision will not be considered a waiver.
ELECTRONIC COMMUNICATION
By using the Site, you agree to receive records electronically, including insurance policies. You may request paper copies by withdrawing consent and providing the necessary details to Drive2Thai. A delivery fee may apply for paper records.
COPYRIGHT
The content on this website, including text, images, graphics, and videos, is protected by copyright laws and is the property of Drive2Thai. Unauthorized reproduction or distribution of the website’s content is prohibited.
TRADEMARKS
All trademarks, service marks, and logos displayed on this website are either owned by Drive2Thai or used with permission. Unauthorized use is prohibited without Drive2Thai’s written consent.
EXCLUSION OF LIABILITY DUE TO ACTS AND/OR OMISSION BY ANY THIRD PARTY / RELEVANT AUTHORITIES
Drive2Thai will not be liable for any claims, financial losses, or damages caused by third parties or relevant authorities, including but not limited to:
- Actions or decisions made by third parties or authorities;
- Program cancellations by third parties;
- Delays in application processing;
- Failure to comply with requirements set by third parties.
MODIFYING AND TERMINATING OUR SERVICES
We are always working to enhance our Services. This may involve adding, removing, or stopping features, or even suspending the Services. You may stop using the Services at any time, and Drive2Thai may also limit or terminate Services without notice. If a Service is discontinued, we will provide advance notice where possible and give you a chance to retrieve your data. Drive2Thai may suspend or terminate access if these Terms are violated or for any reason at our discretion.
BUSINESS USES OF THE SERVICES
If you are using our Services on behalf of a business, that entity agrees to these Terms. It also agrees to indemnify Drive2Thai and its affiliates from any claims, damages, or legal actions arising from the business’s use of the Services, including related expenses and attorney fees.
ABOUT THESE TERMS
We may change these Terms or any policies applicable to the Services to reflect changes in the law or in the Services. You are encouraged to review these Terms regularly, as Drive2Thai reserves the right to update them without prior notice.