8

..2535
 29

(Motor Insurance Auto Insurance)


(Compulsory Insurance)


(Third Party Liability Insurance)

2
(Voluntary Motor Insurance) (Compulsory
Motor Insurance)

2

1.

() 2548
 30

2.

.. 2548

1 2

2

(
) (
)

3

2 2

1.

1.1
(Third Party Bodily Injury : TPBI)
1.2 (Third
Party Property Damage : TPPD)
 31

1.3 (Own
Damage : OD)
1.4
(Fire and Theft : F&T)

2.

2.1 ( 3 )
2.2 ( 4 )
2.3

(
) ( ) (
)
.. 2535 ..
2535 () .. 2548

.. 2548
.. 2548
6/2548 13 .. 2548
1 .. 2548
12


 32

1.
)


.. 2535


)
2.



90

)
00.01 .
)

16.30 .

4

1.
(Third Party Bodily Injury : TPBI)



100,000 10,000,000

2.
(Third Party Property Damage : TPPD)
 33

200,000
3. (Own Damage : OD)


50,000 ( 5,000 )
80%

4. (Fire and Theft :
F&T)



50,000
( 5,000 )

3
1. 1 (Comprehensive)
1

4
1.1
1.2
1.3
1.4
 34

2. 2 (Third Party Liability, Fire and Theft)

2

3
2.1
2.2
2.3
3. 3 (Third Party Liability Only)
3
2
3.1
3.2

4 (Third Party Property Damage Only)

3
4


4
(Third Party Property Damage : TPPD)

100,000
4
3 (
) 12 ()

8
1.
7


2.


 35

3.

()
() ()
4.


5.


6.

7.
7


8.
7

4
1
2
3
4

8
1 2
3
 36

( 110 120)
8.1
8.1 ( 110 120)


1 2 3
12,000 5,000 3,000
7,600 3,000 2,200

110
120

1.



()
( 110 120) 8.2

8.2 ()
( 110 120)


1 2 3
100% 100% 100%
105% 105% 105%
 37

2.

()
( 110 120) 8.3

8.3 ()
( 110 120)


1 2 3
2,000 112% 87% 87%

2,000 100% 100% 100%
1
2,000
2,000 2
3 2,000
2,000

3.

4
18-24 25-35 36-50 50
2



 38

()
( 110 120) 8.4

8.4 ()
( 110 120)


1 2 3
100% 100% 100%
18 24 95% 95% 95%
25 35 90% 90% 90%
36 50 85% 85% 85%
50 80% 80% 80%

2


100%
( 100%)
2

4.
5
110
120

8.5
() ( 110 120)
8.6
 39

8.5 ( 110 120)

1 ASTON MARTIN
HONDA LEGEND, NSX, ODYSSEY,
PRELUDE
NISSANDAIMLER PRESIDENT, INFINITY
TOYOTA SUPRA
BENTLEY, CARDILLAC, CHEVROLET,
DIAMLER, FERRARI, JAGUAR,
MASERATI, MG, PORSCHE, ROLLS-
ROYCE
HONDA
2 ALFA ROMEO
ISUZU TROOPER
MITSUBISHI PAJERO
OPEL CALIBRA, OMEGA,
VECTRA
TOYOTA CELICA, CROWN, LAND
CRUISER, RAV 4
AUDI, BMW, CHRYSLER, CITROEN,
HOLDEN , JEEP CHEROKEE, LAND
ROVER, LEXAS, MAGSO, MERCEDES-
BENZ, PEUGEOT, ROVER, SAAB,
VOLKSWAGEN, VOLVO
MAZDA, TOYOTA, NISSAN,
MITSUBISHI
3 CHEVROLET ZAFIRA
DAIHATSU GRAN, TERIOS
HONDA ACCORD, CIVIC, CRV
ISUZU CAMEO, RODEO, VEGA,
VERTEX
 40

8.5 ( 110 120) ()

3 MAZDA 121, 626, ASTINA,
CRONOS, LANTIS
MITSUBISHI GALANT
NISSAN CEFIRO, PRIMERA, 200SX,
121
OPEL ASTRA, CORSA
PROTON SEGA
SUBARU IMPREZA, LEGACY
SUZUKI ESTEEM, VITARA
TOYOTA CAMRY, CORONA,
STARLET
FIAT, FORD, HYUNDAI, KIA, SEAT
MAZDA, HONDA
4 MAZDA 323
MITSUBISHI CHAMP
TOYOTA COROLLA, SPORT RIDER
TOYOTA, NISSAN, MITSUBISHI
CHEVROLET OPTRA
5 DIAHATSU MIRA
HONDA CITY
MAZDA FAMILIA
NISSAN NV, SUNNY
SUZUKI CARRIBIAN
TOYOTA SOLUNA

3
( 8/2548
24 .. 2548)
 41

8.6 ()
( 110 120)


1 2 3
1 140% 100% 100%
2 120% 100% 100%
3 110% 100% 100%
4 105% 100% 100%
5 100% 100% 100%

1
1
1
2 3 4 5

2 3
2
3 /
2

100%

5.

()
( 110 120) 8.7
 42

8.7 ()
( 110 120)


1 2 3
1 100% 100% 100%
2 100% 100% 100%
3 102% 100% 100%
4 105% 100% 100%
5 110% 100% 100%
6 116% 100% 100%
7 120% 100% 100%
8 124% 100% 100%
9 125% 100% 100%
10 126% 100% 100%
10 127% 100% 100%

1

2 3 100%

6.

1

()
( 110 120) 8.8
 43

8.8 ()
( 110 120)


1 2 3
50,000 100% 100% 100%
60,000 100% 101% 100%
70,000 100% 102% 100%
80,000 100% 103% 100%
90,000 100% 104% 100%
100,000 100% 105% 100%
110,000 102% 106% 100%
120,000 104% 107% 100%
130,000 106% 108% 100%
140,000 108% 109% 100%
150,000 110% 110% 100%
500,000 210% 145% 100%
600,000 230% 155% 100%
700,000 250% 165% 100%
800,000 270% 175% 100%
900,000 290% 185% 100%
1,000,000 310% 195% 100%
2,000,000 510% 295% 100%
3,000,000 640% 395% 100%
10,000,000 1220% 1095% 100%
58,000,000 5060% 5895% 100%

1
2
3
1 2

 44

3 4
/

7.



( 320)
( 340) ( 520)
( 540)
()
( 320 340) 8.9

8.9 ()
( 320 340)


1 2 3
110% 115% 120%

2

3.
(.)
4. (.)
8.10
 45

8.10
1
./ ./ ./


200,000 1.0000 100,000 1.0000 10 1.0000
400,000 1.0050 150,000 1.0045 20 1.0030
600,000 1.0060 200,000 1.0055 1.0050
800,000 1.0070 250,000 1.0065
.... .... .... ....
1.0185 1.0130

2 3
./ ./ ./


200,000 1.0000 100,000 1.0000 10 1.0000
400,000 1.0243 150,000 1.0120 20 1.0070
600,000 1.0330 200,000 1.0210 1.0100
800,000 1.0420 250,000 1.0270
.... .... .... ....
1.1400 1.1900

.
.
 46

1.

8.11

8.11
(..01)
1 2 3 4

3 50
1,000 100
1.50 30
1,000 100
1
2
3
4

2.




 47

8.12

8.12
(..02)
. ( 110)
50,000 100,000 200,000 300,000 400,000 500,000

()
12 19 25 28 29 30

. ( 120)
50,000 100,000 200,000 300,000 400,000 500,000

()
50 90 110 120 130 135

3.


0.5%
 48

1.
2.
3.
4.

1. 3
10%


) 3
3
)
3
)

2.
20 10%


)

)

3.
3
10%

 49

2
200%

3

1 20%

2 30%
2
3 40%
3
4 50%
4

()

 50

()

2 200%

3 6.

2
200%

1 20%
2 30%
2
3 40%
3
4 50%
4

2 2
200%




 51

3
7.

1.


) 2,000

) 6,000

2.


) 2,000

) 2,000

 52

(1)
- 5,000 100%

- 5,000 10%

(2)
- 1,000 100%

- 1,000 20%

(3)
- 5,000 10%

- 5,000 1%

) 20
1
15%
1
 53

1 4
1.
2.
3.
4.

2 3
1.
2.
3.

3 2
1.
2.

 54

 55

1. :

2.

2.1
()
2.2


2.3
2.4

3.

 56

4.





15

5. :

6.
6.1 3

1 20%

2 30%
2
3 40%
3
4 50%
4

 57

()

()

2 200%

6.2 3

- 30%

3 9
- 35%

10 19
- 40%

20






6.1 6.2

7.


2
200%

1 20%
 58

2 30%
2
3 40%
3
4 50%
4

2 2
200%

8.

9.

10.


 59

11.

11.1
11.2
60





11.3
11.3.1 :
15

11.3.2 :

 60

1-9 72 120-129 44 240-249 20
10-19 68 130-139 41 250-259 18
20-29 65 140-149 39 260-269 16
30-39 63 150-159 37 270-279 15
40-49 61 160-169 35 280-289 13
50-59 59 170-179 32 290-299 12
60-69 56 180-189 30 300-309 10
70-79 54 190-199 29 310-319 8
80-89 52 200-209 27 320-329 6
90-99 50 210-219 25 330-339 4
100-109 48 220-229 23 340-349 3
110-119 46 230-239 22 350-359 1
360-366 0
 61

1.




1.1

100,000
/
1



1.1

1.2



()

()

()

2.

) 2,000

 62

)
) 2,000

() ()
()
7

3.

4.


4.1

4.2

5.

 63

6.



6.1
6.2


6.3

7.

7.1
7.2

7.3
7.4


7.5

7.6
150

8.


7.1 7.2 7.2 7.4 7.5 2
1.1
7.6
1.1 1.2



7
 64

1.

2.
2.1

80


2.2

3.

4.

) 2,000

 65

)
) 6,000




() ()


() () ()

7

5.

6.

7.

7.1
7.2

7.3

7.4

 66

7.5

8.

8.1
8.2

8.3

9.

9.1

9.2
9.3
150
9.4

9.1 9.2 9.3 9.4

9.4

 67

1.

2.
2.1




7

2.1.1

2.1.2
30


2.2

80


2.3

 68

3.

4.

5.

5.1

5.2
 69

.. 2535

.. 2535
1.
/

2.

3.

4.







3
3

 70

(1)

(2)

(3)

(4)

..
2535

.. 2535

.. 2535

1.
5,000,000

 71

() 50,000
()
() 100,000

1.
2.
3.
4.
5.
6.
7.
() 100,000
() 100,000 ()
() () () ()
2.
10,000,000
1.

.. 2535

..
2535

2
 72

()
()


7

3
1.
15,000
2.
35,000
3.
15,000
35,000
50,000

1.
50,000
2.
2.1
2.2
2.3
2.4
2.5
2.6
2.7
 73

100,000
100,000
3. 1 2
3 2. 3.
100,000

1.
15,000
2.
35,000
3.
50,000

/
1.
50,000
2.
100,000 ( 1 2546 )

 74

.. 2535
.. 2535

8.14

8.14
.. 2535

752.21
1,074.28
1,289.35

.. 2535



180

10
( 3) .. 2540
1.

2.

3.

 75

180

1. /

2.

1.
2.

3. 2 2

(Key Words)
1. Motor Insurance
2. Compulsory Motor Insurance
3. Voluntary Motor Insurance
4. Third Party Liability Insurance