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Car Insurance in Thailand
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Classes of Car insurance in Thailand

Car Insurance in Thailand has different types of coverage. There are usually 4 types of coverage and the most popular one is First class insurance, because this will cover damages to your car and to any car that you collide with in cases of accidents.

First Class Insurance (Type 1)

This is the most popular type of insurance because it covers your car and any third party that is involved in case of accident. Coverage includes damage to your car, whether you are at fault or not, fire and theft, personal accident insurance, public liability and bail bond. Some First Class insurance have deductibles or excess to lower your premium but usually clients just go with no deductibles as the price is not that different.

Second Plus Class Insurance (Type 2+)

This type of insurance also provides coverage for your car for damages and fire and theft but it will not cover the whole value of your car. Coverage includes, third-party, partial coverage for damages to your car, partial coverage for fire and theft, personal accident, public liability and bail bond.

Third Plus Class Insurance (Type 3+)

This type of insurance is similar to Second Plus Class Insurance (Type 2+) but this class doesn’t have a cover for fire and theft. This class provides the coverage for your car for partial damages third-party, partial coverage for damages to your car, partial coverage for fire and theft, personal accident, public liability and bail bond.

Third Class Insurance (Type 3)

This type of insurance only covers third-party and does not provide coverage for your car, in addition it also provides Personal Accident, Public Liability and Bail Bond.


To find the best plans for car and yourself, you must always compare between available plans and options and also take a look at the terms and conditions from both of the insurance companies and the OIC thoroughly.

Steps to apply for Car insurance in Thailand

Buying car insurance is simple & easy

To apply for car insurance, we will need the documents from you as below (This applies to every insurance companies) :

  1. Apply through our website or contact a customer service representative.
  2. Submit a copy of your Passport or Thai Driving License.
  3. Submit a copy of your Green book or Registration or Deed of Sale.
  4. Pay Invoice Premium
  5. You’re covered.
  6. The original documents (policy) will be sent to your mailing address within 7-14 days

*Some insurance companies ask for pictures of your car, but most insurance company schedule and inspection date most especially with First class insurance.

You can send addtional documents to us by LINE Chat with us or by Email [email protected]


FAQs

What is the difference between 3rd, 2nd and 1st class insurance?

First class insurance is comprehensive and covers the car and third party as well. For the others, 2nd and 3rd class usually just covers third party liability. 2+ and 3+ class still has partial coverage for your car but 3rd class mostly is for third party liability.

What is Dealer and Garage coverage for car insurance mean ?

When buying Class 1 (First Class) car insurance, you can always choose between Dealer or Garage coverage. Meaning that when you have been in an accident, if you have a dealer car insurance policy and you drive a Toyota, you can take your car into Toyota Dealer to get reparied but if you have a Garage policy, you will need to go to a normal contacted garage. Car insurance with dealer type of coverage is of course will be more expensive than the normal garage coverage.

If I buy now will I be covered today as well?

Yes, if your coverage start date is today, your accidents will immediately be covered. As long as you have already paid, then coverage is already guaranteed.

Is there a hotline for emergencies?

Every insurance company is required to have a Emergency hotline.

Can I put a name driver? Will this be cheaper?

In some cases, yes it will be cheaper. however, the premiums on our website are campaign premiums and this is already cheaper than what insurance companies offer. However, if you want to name drivers, you can name up to 2 drivers and the premium sometimes will be cheaper but that means only the drivers that are nammed can drive the car only.

Will this provide coverage for when I hit a property or a person?

Yes, all of these insurance policies provide cover for public liability or third party property insurance.

What insurance should I get?

What we always recommened is to always go for Class 1 (First class) as this will cover you the most. However, if you only want partial coverage for damages for you car, you can always go for class 2+ and 3+. And last, if you want only third-party cover you can always go for Class 3 (Third Class).

What are the qualified car ages for these insurance classes ?

This will depend on the insurance companies and their premium campaign, however more or less for Class 1 (First Class), the qualified will be between 1-10 years old. Class 2+ and Class 3+ will be between 1 - 15 years old and Class 3 will have the age limit of 25 years old.

Is there a no-claim bonus ?

No-claim bonus will only be available for First class insurance (Class 1) If you haven't made any claims on your policy, you will get a no-claim bonus of 20% every year until your no-claim bonus reaches 50% *This will depends on the guidelines of each insurance company, some companies offer a no-claim bonus and some don't.

If I have a dashboard camera, can I apply for discount?

Not all companies have implemented this as of now, but there are some companies that provide discounts for cars that have dashboard cameras. You can select the dashcam option when comparing and quoting through our comparison service.

How long until I get my original policy ?

You will receive 2 sets of documents (PDF and original documents)

We will send the PDF documents set by LINE or Email within 1-2 days, in which you can print this and keep in with you (or in your vehicle) as this will be your temporary policy (any emergencies or accidents, this document will be enough)

For the original documents set, you will get them within 7-14 working days. We will send them to your mailing address that you have specify. In the mean time, your car is already covered and you can call the hotline for emergencies and accidents.

How to contact you ?

You can always call us at our Hotline : 02-985-9123 or Chat with us [email protected] @mr.prakan or Email us : [email protected]

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