Updated September 29, 2026 · AssureCue Editorial Team
KS Auxilia vs MSIG Insurance (Thailand)
What sets them apart
| Compare |  KS Auxilia |  MSIG Insurance (Thailand) |
|---|---|---|
| Premium from | €5.04 | THB 299 |
| Insurance types | Legal expenses, Breakdown | Auto, Travel, Home, Health |
| Cover limit | Unlimited | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | Online, Phone, Email, Chat | Phone, Online claims portal, Email |
| Monthly payments | Yes | Not confirmed |
| Excess from | €0 | Not confirmed |
| Age range | 18+ | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- KS Auxilia scores higher overall: 9.4 vs 9.3.
- Insurance types: only KS Auxilia offers Legal expenses, Breakdown.
- Insurance types: only MSIG Insurance (Thailand) offers Auto, Travel, Home.
- Claims channels: only KS Auxilia offers Online, Chat.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal.
- Support channels: only MSIG Insurance (Thailand) offers Help centre.
Our verdict on each
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
MSIG Insurance (Thailand)
MSIG Insurance (Thailand) is an insurer selling auto, travel, home and health cover in Thailand, regulated by the Office of Insurance Commission. It suits households and small businesses that want one provider across personal and business lines, though premium starts at THB 299 and the cost score sits at 5.2.
Score breakdown
| Area | KS Auxilia | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend | 9.0 |
| Offer | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited | 9.3Higher |
| Trust | 9.6Established direct structure as insurer dating to 1964 | 9.6 |
What each covers
| Insurance types | KS Auxilia | MSIG Insurance (Thailand) |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Health | No | Yes |
| Travel | No | Yes |
| Breakdown | Yes | No |
| Legal expenses | Yes | No |
Where they rank in our lists
| Ranking | KS Auxilia | MSIG Insurance (Thailand) |
|---|---|---|
| Business insurance | 1 of 150 | 12 of 150 |
Availability and regulation
| Country | KS Auxilia | MSIG Insurance (Thailand) |
|---|---|---|
| Germany | Not confirmed | |
| Thailand | Not confirmed |
Additional countries for KS Auxilia: 1. Additional countries for MSIG Insurance (Thailand): 1.
What we checked
KS Auxilia
- ks-auxilia.de: 14 facts, checked September 29, 2026
MSIG Insurance (Thailand)
- msig-thai.com: 6 facts, checked September 26, 2026
- psmart.msig-thai.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | KS Auxilia | MSIG Insurance (Thailand) |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | 1964 | Not confirmed |
| Support channels | Email, Chat, Phone | Email, Phone, Chat, Help centreCovers more |
Business insurance
| Fact | KS Auxilia | MSIG Insurance (Thailand) |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
| Industries | Private households, trades, medical professions, farmers, companies | Not confirmed |
Where each stands against the rest
| Fact | KS Auxilia | MSIG Insurance (Thailand) | Median |
|---|---|---|---|
| Excess from | €0below the median | Not confirmed | €70 |
Median across 68 listed insurance providers.
Pros and cons
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
MSIG Insurance (Thailand)
Pros
- One insurer across both sides: personal cover of auto, travel and home and business cover of public liability and property.
- Support runs on email, phone and chat, and claims come in through phone, online claims portal and email.
- Regulated in Thailand by the Office of Insurance Commission, so the policy is written with the named insurer.
Cons
- Personal cover runs to auto, travel and home, with no life, pet or motorcycle line listed.
- Support is limited to email, phone and chat, with no branch service listed.
- The single published entry price, THB 299, belongs to one seasonal disease plan, so quotes for other lines are not shown.
Who each suits
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
MSIG Insurance (Thailand)
Who it suits
- Thai households bundling auto, travel, home and health under one policy provider.
- Small businesses needing public liability or property cover next to personal policies.
- Shoppers who want a locally regulated insurer, since TH is the home market.
Who should look elsewhere
- Shoppers chasing a free entry point: bunq lists a premium from of €0.
- Anyone after life, pet or motorcycle cover: Good Sam Insurance Agency lists auto, home and renters.
- Readers comparing Euroasia Insurance's UZS 60,000 with MSIG's, since the two sit in different markets.
Current offers
MSIG Insurance (Thailand)
Current offer
Discount code
MSIG Motor insurance: enter promocode MPTT15 to get e-Voucher worth up to 700 THB: e-Voucher up to THB 700
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
Home insurance: enter code Ban15 for 15% off plus Starbucks e-Coupon worth up to 600 THB: 15% off + e-Coupon up to THB 600
Ends 31 January 2027
Source, checked September 26, 2026
Bonus
Special promotion MSIG Trip Easy Plus domestic travel, enter code 18DM, 2 benefits: 2 benefits per policy
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
MSIG Overseas Student travel insurance: enter promocode 18SAVE to get e-Coupon worth up to 1,400 THB: e-Coupon up to THB 1,400
Ends 31 December 2026
Source, checked September 26, 2026
Discount code
Enter promocode 15STB or 15PTT to get e-Coupon / e-Voucher worth up to 1,000 THB for MSIG Travel Easy Plus overseas travel (per trip and annual): e-Coupon / e-Voucher up to THB 1,000
Ends 31 October 2026
Source, checked September 26, 2026
Country by country
| Country | KS Auxilia | MSIG Insurance (Thailand) |
|---|---|---|
| Germany | Yes | No |
| Thailand | No | Yes |
Questions about each
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
MSIG Insurance (Thailand)
What kinds of cover does MSIG Insurance (Thailand) sell?+
Personal cover runs to auto, travel and home, so auto, travel, home and health sit with the same insurer. Business cover runs to public liability and property, giving trading companies public liability and property policies without opening a second relationship.
Who regulates MSIG Insurance (Thailand)?+
MSIG Insurance (Thailand) Public Company Limited is an insurer headquartered in Thailand, and the Office of Insurance Commission regulates it there. Buying from a licensed insurer means the contract is with the company named on the policy rather than an intermediary.
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