@Christian ******
I got my 3rd 1 year extension in Oct in Bangkok. My previous extension ended Nov 18th. I had my new Pacific Cross insurance policy also begin on Nov 18th. This was the first time I had to use my insurance to get an extension. In Oct the Immigration officer told me to return on Nov 18th to complete my application. Confused, I returned home and related my story to this FB group and Tod Daniels confirmed that I had to have my insurance in the database on the day I applied. Not the day my extension expired.
Immigration assumed, since this was my first time, that I didn't have insurance already (I did). They never looked in the database. They just told me to return on Nov 18th. They made a mistake there. I made a mistake not understanding that I needed to have insurance the day I applied so I didn't insist on them looking at the database. I returned 2 days later with the insurance certificates for my current active insurance and the new policy that began on Nov 18th. They then processed my application.
This may be a case of different offices applying different rules or my particular Immigration officer.