Car insurance is one of the top priorities you should not overlook. Today, OMC Broker will introduce you to modern car insurance in 2025.
In 2025, choosing car insurance is no longer just about price. It also covers flexibility, service and technology that give drivers more confidence and convenience. As a car insurance broker, OMC Broker is ready to bring you up to date on every trend and key piece of information, so you can choose the insurance that suits you and offers the best value.
1. How much has car insurance changed in 2025?
Digital technology now plays a major role in the insurance industry, from online claims and real-time premium calculation to using IoT data (such as dash cams or GPS) to assess risk more accurately.
- Insurers focus on “fast claims, fast payouts”
- Apps let customers check status, file claims or renew instantly
- AI helps calculate premiums to match driving behaviour
Modern insurance does not just protect you; it also makes service more convenient and more accurate.
2. Types of car insurance you should know
Many people are still confused about the different types of insurance. We will help you tell them apart easily and choose the one that matches how you actually use your car.
- Type 1: Covers both your car and the other party's, and you can claim even when there is no other party involved
- Type 2+ / 3+: Adds coverage on top of standard Type 2/3 insurance, suitable for cars in regular use
- Type 2 / 3: For older cars, or for people who want to save on premiums while keeping basic coverage
Choosing insurance that suits your car's condition and usage helps you save in the long run.
3. What's new in insurance: using data to assess premiums
In 2025, many companies have started using actual driving behaviour as a basis for calculating premiums, making it fairer for careful drivers.
- Drive Behavior Based Insurance (DBBI): drive well, pay less
- Data from GPS or front cameras is linked to assess risk
- Get promotions or discounts for driving safely
Drive well and with discipline, and you get both discounts and plenty of special privileges.
4. Why is using an insurance broker better value?
Using a broker such as OMC Broker gives you access to a wide range of offers from many companies in one place, plus free advice from experts.
- Compare prices from many companies before deciding
- Experts give advice tailored to your needs
- Fast claims, with coordination handled on the customer's behalf
You don't have to spend time comparing on your own, because the broker takes care of everything.
5. Renewing car insurance online is now as easy as a fingertip
Renewing your insurance no longer requires paperwork or travel. OMC Broker has an online system that makes every step easy, secure and fast.
- Renew via your mobile phone within 5 minutes
- Documents delivered free to your home, or receive a PDF file instantly
- Supports all banks and payment via QR Code
Digital systems make renewing insurance easy in just a few clicks.
Interested in car insurance? Contact OMC Broker now!
OMC Broker is a professional broker that brings together car insurance from all of Thailand's leading insurers in one place, including Viriyah, Bangkok Insurance, Dhipaya, Syn Mun Kong, Roojai and Thanachart. We select the most comprehensive and best-value plans for you to compare transparently, with a team of advisors giving neutral advice so you get insurance that fits your needs and budget. All of this is done easily through an online system that is convenient, secure and fast. No travel, no wasted time, because OMC Broker takes care of every step, all in one place!
