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moogradod

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About moogradod

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  1. moogradod

    Household Items Insurance 2018/19

    Thanks for the hint. I had a look at their website. Regarding insurance of house/condo contents they have one clause that we could never accept: If you are away from the premises more than 7 (seven !) days, then burglary would not be covered anymore. So no more holidays or travel for more than 7 days away. So no Tokyo Marine for us at least for the condo insurance. Maybe they are very good in the other areas. I will look into that. Thanks again.
  2. moogradod

    Household Items Insurance 2018/19

    I tried to pm you but not sure if this was succesful.
  3. moogradod

    Household Items Insurance 2018/19

    topt, from what you say I take it that we both have the same policy document (it says as well "for foreigners only" at the end). The quotes that I got do not even mention theft, but they are on original "Safety Insurance Public Limited Company" paper. What actually matters is what is in the contract that you sign, but what I stated above was mentioned to me by email from an AAinsurance representative. I have not contract yet, only quotations and explanations by email. I will pm you with whom I am in contact. I am based in Pattaya. I have exactly 3 days to go to sign a contract before I will leave for a while. My insured items amount to roughly 3.6 Mio THB but obviously not everything may be insured - which would be OK - but the things which ARE must be insured at "agreed cost = replacement cost". Why have an insurance otherwise ? And why pay premiums based on a percentage of an amount that obviously will not be taken into account ? At the best this is a misunderstanding - which I hope it is. Will drop into the Pattaya Office tomorrow.
  4. moogradod

    Household Items Insurance 2018/19

    I have some items that are quite expensive to replace. I will hopefully meet with AA tomorrow, but they said in an email that insurances in Thailand regard "Replacement Value" not to be the amount necessary to actually replace (buy new, import or whatever) the item or an equivalent item but a value based on the initial buying cost (which may be much more lower than it is in Thailand if aquired abroad) minus depreciation. In German such a value is called "Zeitwert" and completely different to "Replacement Cost". What good does an insurance do if you are not getting for what you pay the premiums ? (Because these are of course calculated on basis of the "Replacement Cost as indicated) In their policy (Safety Insurance PLC) they speak about "agreed cost" but this term does not show up in the quotations (which are multiple times higher than posted here). They say as well that a claim without buying receipt will be difficult or at least a very lengthy process. I am a bit confused since MANY recommend AAinsurance broker. I hope I can sort it out when I meet with them.
  5. moogradod

    Household Items Insurance 2018/19

    I will meet with AAinsurance on Monday and I will ask. Thanks for the valuable comment, topt. All the media is prerecorded by the way - some CDs had to be bought via auction - they are so rare. But there is no claim for a special amount for that. Before the move it has been 1800 CDs but most of them were given away to our friends bringing only the very best.
  6. moogradod

    Household Items Insurance 2018/19

    I have tried now 2 brokers and one insurance. Seems that nobody wants to insure my condo contents at real replacement value (this is the amount I need to replace the item (or an equivalent) right now in Thailand if it is stolen or destroyed - irrespective of what I paid for it whenever and wherever. A possible claim without the original bill seems to be difficult if not impossible, too. But who keeps the bills for everthing ? And it should not matter anyway (see below). Under these circumstances an insurance is useless in my opinion. I will try to get a quote in Switzerland for an expat insurance but I feel money is better invested in security measures than in insurance premiums. At least this seems to be the case in Thailand. But maybe I was just unlucky (although I have involved heavily recommended insurance companies here). And I wonder how anybody would conclude an insurance under these conditions. Destruction is another matter especially if you have a house, but insurance for theft of condo content (like guitars, stereos, TVs, PCs, books, CDs and BluRays (will be replaced only at material cost at 3 THB (what a nonsense, I have rare recordings)) or expensive kitchen appliances will obviously not be insured with full compensation as it should be if insured at replacement value. Why pay the premiums for something you will not get (permiums are calculated from the overall value indicated - but they dont want to pay exactly this value (or part thereof) in case of an incident - the best offer wants to pay the inital cost minus depreciation (you call this "Zeitwert" in German). But it may be that the item in question was (even when new) acquired at a price much lower than at the price needed to replace it in Thailand. So "replacement value" is light years apart from that. But you pay the premiums in a % of this value. I was looking for a fully blown alarm system with realtime surveillance and storage of videos outside of the house (cloud). Went to Tuckom. All I could find is some chinese stuff with limited functionality and reliability. Now I have at least a camera which allows me to follow a possible burglary from a remote place (some 10'000 km away) and if it works a video of the event.
  7. moogradod

    Prescription medication confiscated at Suvarnahumi?

    This service - wrapping the bag in plastic - is available in Zurich. Does not protect from opening with violence but at least lets you know that someone did or tried.
  8. moogradod

    Prescription medication confiscated at Suvarnahumi?

    I agree that this would be completely logical - unfortunately the Thai Autorities do not officially allow medicaments to be transported in the carry on luggage (its on the net). Best is to carry a prescription from your doctor indicating the doses as well (also an official requirement). Another one is that you may only import as much as you need for one month (can be really a problem if you stay longer - see your own comment concerning replacement).
  9. Does anybody have a recommendation and approx. idea about the premiums for insuring household items (inkl. Guitars, Electronics, PCs etc.) that are in a condo ? Insurance should cover mainly theft and destruction. I received an offer with absolutely ridiculous premiums. Have searched the forum but some indications are quite old (and far far below the offer that I got). The condo is well secured by the way. Any idea very much appreciated since I need to react quickly. And no, I have no receipts - this is not necessary as well for I want to insure the replacement value. And this is in Thailand. Thanks a lot for any idea.
  10. moogradod

    Is Thai bottled water safer than tap water

    Real recommendations would be helpful. We use 1. Mont Fleur 12 Bottles à 600 ml for THB 136.-- for drinking (Mineral Water) 2. Pure Life Nestle (NSF certified) 6 Liter bottle for THB 43.-- for cooking Anything wrong with this ? - it was a random selection. The Mont Fleur seems a bit expensive for my taste (although we are talking about small differences they add up during a lifetime). An alternative would be Doi Kam (no mineral water) at 83 THB for 12 Bottles à 600ml, but for me it tastes terrible.
  11. moogradod

    New Nissan Teana (Altima) 2019

    So what choice is there for 2019 ? I see: 1. Toyota Camry 2018 Hybrid (sold obviously from the end of this year on) 2. Honda Accord 2018 Hybrid (no idea of release, but would prefer Camry anyway) 3. Nissan Teana 2019. The reason why they dont sell more is obvious - its a lousy design today and has fewer assistant systems - this should change if you believe what is shown on the net It is then really contending Camry and Accord or even a 4. Mazda 3 Sedan 2018 or 2019 (2018 available now and is cheaper than Camry and Accord with a stunning array of techonlogy on board) - The 2019 model looks more than a car designed for the young. I am 62 and seeking smooth slow riding with a nice interior and only with acceleration if needed. I have driven my sports cars in my life - have had one of these rosso corsa colored ones, nevertheless could not afford a S or E-style Benz these days. My wife has a much smaller body than myself, she should be able to ride the car effortlessly, too. In fact it is more for her than it is for me. I do not hope the CVT is really a problem if maintained properly. 100'000 km is nothing for a car nowadays. But manual shift ? Never.
  12. moogradod

    New Nissan Teana (Altima) 2019

    I believe it is a general consensus around the world that Mercedes Benz is one of the best cars you can buy. And they are not ugly at all. But they are not cheap as well. Finally taste is as individual as the individual itself as is the budget. I would also like to have a Bentley or Rolls if I could afford one. So if there seem to be some that know so well about this all: Which Sedan Car (not a SUV) would you recommend to buy in Thailand with a budget of THB 2 Mio early in 2019 ? But please omit American Brands - THESE are the ugly and uninteresting ones at least to my taste.
  13. Is this "the farang is always to blame" a myth or are there recent real life examples ? It would basically mean that for a foreign national a car insurance is obsolete and serves no purpose. I know TIT but this is still a bit hard to believe. To disappear into thin air is as well not a good advice in this world of dash cams. Besides - you should have a dash cam (better 2) yourself. Given the evidence I would really wonder if a foreigner would be held responsible if it may be clearly proven that he is not.
  14. moogradod

    New Nissan Teana (Altima) 2019

    I am talking about this beauty: https://www.youtube.com/watch?v=qJaabaEwtdY
  15. While even the 2018 Camry and 2018 Accord are not on the sales horizon although spoken of for a year or more, Nissan enters with a contender which is extremely interesting: The Nissan Altima (or Teana) 2019. This car outwits its two rivals at least in terms of design by a large margin. Key question: When may it anticipated for sale in Thailand when the desitribution is due in autumn/winter in the US ? Of course nobody knows exactly, but there may be some experience. Honda and Toyota were ill advised to wait so long with the start of their 2018 models - now many might want to wait for the Nissan to appear before they decide finally.
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