You sound just like me when I first arrived in Issan. I visited five different banks. One took 2 hours trying to take my photo with a tablet. Relax, it will all work out.
Had for over 30 years and my first claim was last year. Claim for missed flight from Newcastle to Melbourne to catch Scoot flight to Singapore. 4 hour delay. Claim denied. What the fuck is insurance for if not for that.
such is life. I'll enjoy it whilst I'm alive. Noone knows when their going to die and paying shit load for insurance is a waste of time. I have a life insurance policy that sets up my Thai wife. What more is needed.