Kinda short on information what kinda insurance are you after & what is premium yeh £500 quid makes it pointless. I have a accident policy with them & pays a lot more than that
There used to be a minibus that went there from Udon than airport for 200baht or I got a taxi other way for 500baht but that was before the world wet to sugar
I did not have to have insurance to open my Bangkok bank account a few years back. But last year I took the insurance & for £150 it’s a good product & paid out after needing hospital treatment for a cut hand no quibbling
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