@Bernadette *******
I know it's a bit confusing but here's the deal. The non-O visa is an easy visa to get in the UK (I've just done it). You'll get 90 days on arrival in Thailand and that visa will allow you to open a bank account (Kasikorn are more relaxed). After you have your account you can proceed with your one year extension without all the insurance and police checks etc 👍🙏