Terms and Conditions

• Notice Regarding the Terms and Conditions for the Use of Kumka.com

  By visiting Kumka.com and our social media channels, you are deemed to have agreed to and accepted these Terms and Conditions, together with our Privacy Policy. Please read these Terms and Conditions and our Privacy Policy carefully. Additional terms, conditions, or guidelines may apply to specific sections of the Website and will be displayed when you access those pages. If you have any questions, suggestions, or comments regarding these Terms and Conditions or any guidelines on the Website, please contact us by telephone at 02 080 9292 or by email at cs@kumka.com

• Our Website

  www.Kumka.com ("Website") is operated by Kumka Broker Co., Ltd. ("Kumka", "the Company", "we", "us", or "our"). Any content appearing on the Website is published on behalf of the Company.

  Our Website is designed to compare prices, offer, and provide services relating to insurance products, enabling you to access comprehensive information about the insurance products you require and to enter into insurance contracts directly through our Website.

  Our Website does not provide personal, financial, investment, or other professional advice. Accordingly, you should exercise your own judgement before relying on any information appearing on our Website or on any links available through our Website.

  For your convenience, the Website may contain links to websites owned and operated by third parties. We do not guarantee the accuracy, completeness, or security of information contained on such websites. You should exercise your own discretion when using them.

  We reserve the right to amend information published on the Website or to suspend the Website for maintenance at any time without prior notice. We therefore recommend that you check the most recent update date each time you visit the Website.

• Ownership of Information and Website Content

  All information and content appearing on the Website, including downloadable materials, and including but not limited to trademarks, service marks, logos, images, trade names, designs, layouts, and other elements ("Content"), belong to Kumka unless otherwise stated. We and/or authorised third parties are the sole holders of the copyright, trademark, service mark, and other intellectual property rights in the Content displayed on our Website.

  No person may reproduce, copy, modify, publish, distribute, disseminate, or otherwise exploit any part or all of the Content for commercial gain or any purpose other than supporting their decision to purchase products from us without our prior written consent.

  By submitting any suggestions and/or comments on our Website, you grant us an exclusive, royalty-free right to use such suggestions and/or comments without compensation or further permission from you. You also warrant that any suggestions and/or comments you provide will not infringe the rights of us or any third party in any way.

• Limitation of Liability of the Website

  To the fullest extent permitted by applicable law, we will take reasonable and necessary measures to ensure that our Website is secure and available in order to provide you with the best possible user experience. However, we do not warrant, either expressly or impliedly, that the Website will be secure or continuously available at all times.

  To the fullest extent permitted by applicable law, we will take reasonable and necessary measures to provide accurate, complete, and up-to-date information during normal operation of the Website. However, we do not warrant, either expressly or impliedly, the accuracy, completeness, or currency of any information.

  Under no circumstances shall we be liable to you for any loss and/or damage, whether direct, indirect, consequential, punitive, or for loss of profits, arising from your use of the Website. In all cases, our total liability, including but not limited to liability arising from negligence, shall not exceed the amount paid by you to us for the use of the Website giving rise to such loss and/or damage, if any.

• Use of the Website and Purchase of Products

  Our Website, products, and services ("Products") are intended for use and purchase by Thai citizens and individuals lawfully residing in Thailand. Access to the Website and purchase of Products may not be lawful in certain jurisdictions. Individuals of nationalities other than Thai nationality are solely responsible for ensuring compliance with the laws applicable to them. All transactions are quoted and payable exclusively in Thai Baht (THB).

  You warrant that you will not use this Website for any purpose other than as a bona fide customer, nor engage in any activity that may cause damage to the Website. You must not use the Website or our Products for any unlawful purpose.

  This Website uses cookies and similar technologies to improve user experience, analyse Website usage, and deliver content and advertisements relevant to users. By accessing the Website, you consent to the use of cookies in accordance with the applicable Cookie Policy.

• Terms Relating to Liability for Partners’ Products and Services

  Kumka operates solely as a commercial intermediary and/or insurance broker in accordance with applicable laws. Our role is limited to presenting information, comparing products, facilitating insurance contracts between insurers and prospective policyholders, facilitating service agreements between service providers and customers, and providing related services. The Company is not an insurer, does not provide insurance cover under any policy, and is not a financial institution or bank.

  Accordingly, to the fullest extent permitted by applicable law, the Company makes no representations or warranties, whether express or implied, regarding product terms, scope of liability, or product quality. All rights, benefits, obligations, and liabilities relating to Products shall be governed solely by the terms and conditions specified by the issuing insurer, service provider, or bank, as applicable.

  In the event of any dispute, loss, denial of cover, insurance claim, or any matter relating to an insurance policy purchased through the Company in its capacity as an insurance broker, the insured must deal directly with the relevant insurer. The Company may provide reasonable assistance in coordinating communications in its role as an insurance broker.

  The Company shall not be liable for any direct, indirect, or consequential losses arising from or relating to the insurance contract, interpretation of policy terms, or claims process, except where such losses result from the Company's wilful misconduct, gross negligence, or where otherwise required by law.

• Terms and Conditions Relating to Transactions

  The content on our Website does not constitute an offer to sell Products. Your request to purchase a Product constitutes an offer, which we may accept or reject subject to our applicable terms and conditions.

  All requests relating to Products, including but not limited to cancellations and refund requests, shall be subject to the rules and requirements of the relevant Product owner, such as the insurer or service provider. Please refer to the relevant product documents for details.

  By providing any information or documents to us, you acknowledge and accept our Privacy Policy and warrant that such information and documents are accurate, complete, up to date, and secure. You are responsible for promptly notifying us of any changes. If we discover any conflict between information relating to you and the information you have provided, we or the Product owner reserve the right to cancel your Product and claim damages, where applicable.

  We shall not be liable for any loss and/or damage arising from your failure to comply with the above obligations, including but not limited to failure to receive information or documents as a result of not notifying us of changes to your contact or delivery details, unless such failure arises solely from our error.

• General Terms and Conditions Relating to Insurance Products

  1. Validity Period of Insurance Quotations and Underwriting Information. Insurance quotations shall remain for 30 days from the date of issue.

     Where a quotation is issued for an existing policyholder seeking policy renewal and an additional claim is reported after the quotation date, the Company reserves the right to immediately invalidate the quotation. You may contact the Company to obtain a revised quotation.[

     In any event, the insurance premium quoted to you may be subject to change under circumstances including, but not limited to:

     • Information submitted through the comparison Website or a partner Website does not match the Company's records.
     • Changes to the insured subject matter, including type, usage, named drivers, accessories, asset value, or related risks.
     • Additional disclosure or amendment of information affecting underwriting assessment.
     • • Changes in underwriting criteria according to the insurer's policies.

     You should therefore verify details and reconfirm pricing with our Customer Service team before making payment to ensure accuracy and to maximise your benefits.

     The Company acts solely as an insurance broker and is not an insurer. Quotations are based on information provided by you, and you are responsible for ensuring such information is accurate, complete, and current. Failure to do so may affect the accuracy of the quotation or your eligibility for Products. If you decide to purchase a Product, you must confirm that all underwriting information provided is accurate, clear, and not misleading. Any inaccuracies must be reported immediately to the insurer. The Company shall not be responsible for losses arising from inaccurate, incomplete, or misleading information provided through the Website or any other channel.

  2. Supporting Documents

     Delivery of documents relating to your insurance policy will primarily be handled by the relevant insurance company. Documents will be sent via the delivery method selected by you, whether electronically or by post. Certain documents may be subject to legal requirements or insurer-specific conditions requiring delivery in a prescribed format.

  3. Policy Cancellation

     Where cancellation of an insurance policy is requested by the insured or vehicle owner, the insured or vehicle owner must provide a copy of the vehicle owner's identification card together with a signed written request for cancellation. Original documents, including the policy schedule, tax invoice, and any promotional or discount-related documents (if applicable), must also be returned to the Company for onward submission to the insurer. Once all required original documents have been received, the Company will proceed with the cancellation process with the insurer.

  4. Refund of Insurance Premium upon Policy Cancellation

     Where an insurance policy is purchased through the Company, the Insured agrees and is deemed to have authorised Kumka Broker Co., Ltd. ("the Company") to receive any refunded insurance premium from the insurer on the Insured's behalf, for onward remittance to the Insured after deduction of any applicable charges in accordance with the prescribed terms and conditions.

     In the event of cancellation of the policy, whether by the insurer, at the request of the Insured, or for any other reason, the insurer shall process the premium refund through the Company. The Company shall then refund to the Insured the premium amount received from the insurer, after deducting any applicable charges, including but not limited to promotional benefits or discounts received, and instalment payment service fees (if any).

     Any refund shall be made through the same payment method originally used by the Insured to pay the insurance premium.

     Where payment was made by credit card or debit card, the Company shall refund the amount to the same card. If the Company is unable to process the refund through the original payment method, the Company may require the Insured to sign a consent form to change the refund method. In such circumstances, the refund shall be made only by bank transfer. The Insured must provide all documents and information requested by the Company before the refund can be processed.

     Where the insurance premium was paid via PromptPay, the refund shall be made only by bank transfer.

     The Company shall process the refund within fourteen (14) business days from the date on which all required documents and information have been received in full (in the case of policy cancellation at the request of the Insured or the vehicle owner). The time taken for the Insured to receive the refund, or for the credit limit adjustment to be reflected on the relevant card account, may vary depending on the policies and procedures of the issuing bank or financial institution.

     However, where the insurer has refunded the insurance premium directly to the Insured, such refund shall not prejudice the Company's right to recover any benefits, special discounts, promotional incentives, or any other value or advantages received by the Insured in connection with the purchase of the insurance policy, in accordance with the Company's terms and conditions.

• Payment

  You are responsible for making payment within the period specified for each Product. If payment is unsuccessful for any reason, no transaction or purchase shall be deemed to have occurred, and the Company shall have no obligation to provide or deliver the relevant Product or service until payment has been successfully completed.

  Payments for Products or services offered through the Company's Website may be processed through third-party payment service providers, including banks, financial institutions, or electronic payment service providers ("Payment Providers"), which operate independently from the Company. You acknowledge and agree that transaction processing, payment settlement, processing times, fees, cancellations, and refund arrangements are governed by the terms and conditions of the relevant Payment Provider. The Company has no direct control over such operations. The Company shall not be liable for any loss arising from the services provided by Payment Providers except where such loss results from defects in the Company's systems, inaccurate information supplied by the Company, wilful misconduct, gross negligence, or where otherwise required by law.

  By using payment services, you consent to the Company collecting, using, and disclosing payment-related information as necessary for transaction processing, verification, anti-money laundering measures, and fraud prevention, in accordance with applicable laws and the Company's Privacy Policy.

• Instalment Payments

  Where you select a monthly instalment plan, you acknowledge and agree that Kumka may arrange instalment facilities for you, whether provided directly by Kumka or by a third party (each or collectively referred to as an "Instalment Service Provider"). The Instalment Service Provider will pay the full insurance premium to the insurer on your behalf in accordance with OIC regulatory requirements. You agree to repay the Instalment Service Provider in instalments as set out in the invoice and subject to the provider's terms and conditions. If any instalment payment is late or missed, Kumka may notify you by SMS and/or telephone.[WR7.1] [PP8.1]Where payment remains outstanding, you authorise Kumka or the Instalment Service Provider to instruct the insurer to cancel your policy with effect within 30 days from the date of default. You further consent to the insurer refunding premiums directly to the Instalment Service Provider. The Company reserves the right not to refund any excess premium amount, if any, and may instead apply such amount towards instalment service charges.

  You further acknowledge and agree that Kumka and/or the Instalment Service Provider may collect, use, disclose, and process your personal data. You also consent to the Instalment Service Provider assigning its rights to receive instalment payments from you to another party, and you consent to such assignment.

• Recording

  For the purposes of product development, staff training, quality assurance, and fraud prevention, the Company may record communications, including telephone conversations and email correspondence. Such recordings and their use shall be made without compensation to you.

  The Company may collect, use, and disclose personal data as necessary for these purposes. You are deemed to have consented to the recording of communications and the use of such communications and personal data within the limits permitted under applicable personal data protection laws.

• Indemnity and Compensation

  You agree to indemnify us and any third party against any direct or indirect loss or damage arising from your breach of these Terms and Conditions, our Privacy Policy, any additional terms and conditions, guidelines displayed on specific Website pages, or any other applicable requirements.

• Governing Law and Enforcement

  These Website Terms and Conditions shall be governed by the laws of the Kingdom of Thailand. Any disputes arising from or relating to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Thailand.

**Warning from the Office of Insurance Commission (OIC) Regarding Insurance Products

Please provide complete and truthful information at all times. Concealing material facts or making false statements may entitle an insurer to deny liability under the insurance contract pursuant to Section 865 of the Civil and Commercial Code of Thailand.

*Last Updated: 1st September 2026