The review about regency is either 5stars or 1, obviously shows the 5star rating is suspicious. you want to know the truth about this company, you should start to read the 1 star review first. I live in Thailand and I bought their insurance covered major medical , I had scooter accident and claim for my hospital operation fees. My international driving license shows black and white that I can drive car and scooter, and I get part of the compensation back very fast from Road Accident Victims Protection Company. The local insurance you get when rent a scooter here. but regency refused to pay back and says this claim does not fit into their approved claim system, despite I showed my international driving license. - [ ] I decide to use the legal way to settle this case. And asked their office address in Bangkok. One stuff named Rosie said here is an physical office in Bangkok but she can’t give me the address. And another stuff named Maria later said there is no office in Bangkok. What kind of company is that have stuff lying like this. I send my conversation with Rosie to Maria that Rosie clearly said here in Bangkok have a office but Maria still trying to find excuses which the answer doesn’t make any sense. - [ ] I checked regency only registered in Nevis, an off shore taxes free place. They can’t even tell you a physical address, when there is a dispute, you can’t even talk to them face to face. I’m not going to give up on this and if you want to buy insurance from this company, please read my story as a reference!!