Insurance without guesswork
Rental insurance and excess in Phuket
Cars have Class 1 insurance for accidents with an identified second party. Scooters are supplied without insurance.
Updated: 2026-08-03When insurance applies
An identified second party to the road accident is required for an insurance claim. Contact the manager immediately and follow the incident-reporting instructions.
- Do not leave the scene without agreement.
- Record participants and damage.
- Contact the manager.
- Follow the required insurance procedure.
What is excluded
Parking scratches and damage without an identified second party are excluded. The same applies to other damage where there is no second party to the accident.
Excess amounts
The excess is separate from both the deposit and rental price.
- Compact cars and sedans: 5,000 THB.
- Crossovers and seven-seat vehicles: 10,000 THB.
- Fortuner, MUX and Legender: 20,000 THB.
- BMW and Ford Ranger/Raptor: 30,000 THB.
Scooters
Sunny Rentals scooters are supplied without insurance. Consider your personal liability for the vehicle and possible damage before booking.
FAQ
The essentials
Does insurance cover a parking scratch?
No, when there is no identified second party to the incident.
Are the excess and deposit the same?
No. The deposit is set for a specific vehicle; the excess defines part of the liability for an insured event.
Are scooters insured?
No. Scooters are supplied without insurance.
Sunny Rentals · Phuket