No, I don't have a Cambodian licence as I don't require one. Neither have I had experience with Cambodian Insurance companies ( are their actually any Cambodian Insurance companies BTW? Interested, because the only ones I have heard of are branches of western ones. But my experience here in Cambodia with them is non-existent). But I find it hard to believe that their business model is significantly different from anywhere else in the world.Luigi wrote: ↑Thu Mar 16, 2017 3:09 pmPerhaps I am confused., It happens to people of my age demographics.
I thought the question at hand was about insuring a vehicle here in Cambodia.
I inquired to three insurance companies & not one, zip, zed, zero gave a fuk about where I came from, my previous driving record or if I knew the Rules of the Road. (joke).
Only one question. Do you have a Cambodian DL. Have have.
Went with the cheapest company with same TPl & PL coverage for both vehicles.
Did have to make a claim & took some threatening & cajoling to get them to pay. They did.
Never once did my previous driving record come up.
Time for renewal in May & will prolly use them again.
As I said previously, I can only go on my experience with Australian Insurance companies. You are definitely asked whether you have you have had any driving offences, even a parking ticket can put your premium up. You are also DEFINITELY asked whether you have a prior insurance claim history, anywhere in the world. That came in in the 80's after the big Turkish insurance fraud ring in Sydney got busted. If you lie about these details and they find out, they will NOT pay your claim.