Have you got any trusted Insurance broker where you are to guide you?
I've been with Pacific International (now Pacific Cross) for over 30 years with worldwide cover excluding Japan and Nth America, which takes about 35% off the yearly premium. Have made a few claims over the years including 2 sizeable ones, no problems.
Ii don't think it matters that you're not in Pattaya to have the guy everyone trusts here guide you and provide advice/quotes, Jack Levy is his name and he's been here doing this since the 90's. We do my GF's health insurance and any cars/bikes we might have through him, wouldn't hurt to send him an email explaining what you're looking for.
Insurance Pattaya | Macallan Broker Insurance Services