Car Miles Insurance Thailand

Drive less Pay Less! Save now with car miles insurance Thailand

Car Insurance in Thailand
1. Vehicle's Details

What is Car Miles insurance Thailand

Insurance by Miles is a new type of car insurance that charge insurance premiums from the actual driving distance and from the odometer from actual driving.Drive your car less also pay less. Drive your care alot then pay from the distance. Save up to 70 percent compared to normal car annual insurance on premiums with the same coverage. Choose between 5,000 and 10,000 kilometers per year.
Save more with Miles insurance
TypePrice
Less than 5,000 KilometerStarts From 4,900 Baht
Less than 10,000 KilometerStarts From 8,200 Baht
Yearly Auto InsuranceStarts From 12,000 Baht

Types of Car Insurance by Miles

Less Than 5,000 Kilometers per Year

Class 1 Garage Repair
No deductible, No Specify Driver
1 Year Coverage
No deductible, No Specify Driver
Covers Damage, Lost, Fire, Flood, Thrid Party Liability
Suitable for people who does not drive more than 5,000 kilometers per year and want comprehensive first class coverage
Starts From 4,900 Baht
Must Drive Less Than 5,000 Kilometers

Less than 10,000 Kilometers per Year

Class 1 Garage Repair
Class 1 Garage Repair
1 Year Coverage
No deductible, No Specify Driver
Covers Damage, Lost, Fire, Flood, Thrid Party Liability
Suitable for people who does not drive more than 10,000 kilometers per year and want comprehensive first class coverage
Starts From 8,200 Baht
Must Drive Less Than 10,000 Kilometers
Coverage by miles (kilometers)
This policy will provide coverage for 1 year or the used mileage as planned, whichever comes first.
No additional Accessories need to be install inside the car
Provide Coverage 24 hours of everyday
If the miles are used up before the remaining days of coverage, Additional miles can be purchased as needed. In case there are remaining miles by the end of the coverage period the remaining miles can be add in to the next insurance renewal

Additional Mileages

Mileage PurchasePrice
1,000 KM1,350 Baht
2,000 KM1,950 Baht
3,000 KM2,700 Baht
4,000 KM3,300 Baht

Main Point of Car Miles Insurance Thailand

Save up to 70%

Save up to 70% on insurance premiums compare to annual car insurance

Installment Plans

Pay your premiums in installment up to 10 months with a Thai Credit-Card with no extra fees.

Online 24/7

Compare plans and apply online with us anytime and anywhere you want. Our website is there 24/7!

Free Addtional Services

Get free services like 24/7 roadside assistance, theft insurance, replacement car within your policy right away! (Depends on the plan that you have chosen).

No Hidden Fees

The premiums and the prices you see on the website is the price you pay. No hidden charges and addtional fees.

Fast and Easy

Fast Simple and Easy. Compare and start coverage for your car within minutes. Super simple!

The Ultimate Guide to Car Insurance by Miles (kilometer) in Thailand: Everything You Need to Know

Car Insurance by Distance or Miles car insurance is a type of voluntary car insurance that is made for people who do not drive a lot per year but still would very much like to have it fully coved but also would want to save on the premium since they do not drive the insured car as much. First, let's learn more about car insurance in Thailand.

Types of Car Insurance in Thailand

Car insurance in Thailand is classified into different types, and each type has varying coverage and benefits that cater to different drivers' needs. This article aims to provide a brief overview of the different types of car insurance and who is best suited to buy them.
  1. Compulsory Third-Party Liability Insurance
  2. Voluntary car insurance

Compulsory Third-Party Liability Insurance

Compulsory Third-Party Liability Insurance is the minimum insurance required by law in Thailand. It covers damages or injuries you cause to other people or their property while driving. This insurance does not cover any damage to your own vehicle.Voluntary car insurance

Voluntary car insurance

Voluntary car insurance is generally more comprehensive and will have much more coverage compared to compulsory insurance. Voluntary insurance can be separated into classes from 1st class,2nd class, 2nd plus class, 3rd class, and 3rd plus class. Following are the details of the class types

Types of Voluntary Car Insurance(Class)

First class


Type 1 Car Insurance provides comprehensive coverage for damages to the insured vehicle, regardless of fault in case of an accident, fire, theft, or natural disaster. It also covers liability to third parties for property damage and bodily injury, including windscreen damage to the vehicle. Type 1 also covers medical expenses, personal accident coverage, and bail bond coverage for the driver, consented by the insured or driver, as specified in the policy. This insurance is best suited for new cars, new drivers with little driving experience, and cars that are frequently and regularly used.

Second Plus Class

Type 2+ Car Insurance offers high coverage at a lower premium than Type 1, but the coverage is slightly different. It covers damage to the insured vehicle regardless of fault provided by another identified vehicle involved in the accident, as well as damage caused by fire, theft, or flood, and liability to third parties for property damage and bodily injury when the driver is at fault. Type 2+ also covers medical expenses, personal accident coverage, and bail bond coverage for the driver. However, Type 2+ does not cover own damages without a third party and windscreen damages. This insurance is suitable for cars used regularly but parked in risky areas or not in gated locations.

Third Plus Class

Type 3+ Car Insurance provides coverage for damage to the insured vehicle regardless of fault provided another identified vehicle has been involved in the accident, as well as liability to third parties for property damage and bodily injury when the driver is at fault. It also covers medical expenses, personal accident coverage, and bail bond coverage for the driver. However, Type 3+ does not cover own damages without a third party, windscreen damages, fire, theft, or flood. This insurance is suitable for cars that are seven years or older and used regularly but do not have any risk from the parking location.

Second Class

Type 2 Car Insurance covers damage to the insured vehicle in case of fire and theft and liability to third parties for property damage and bodily injury when the driver is at fault. It also covers medical expenses, personal accident coverage, and bail bond coverage for the driver.

Thrid Class

Type 3 Car Insurance covers liability to third parties for property damage and bodily injury when the driver is at fault. It also covers medical expenses, personal accident coverage, and bail bond coverage for the policyholder or driver. Type 2 and Type 3 insurance are best suited for those with a tight budget but still want basic insurance coverage.

Choosing the right car insurance by kilometer in Thailand

Choosing the right car insurance in Thailand depends on the driver's needs and the car's condition. Type 1 insurance is best for new cars, new drivers, and cars frequently used. Type 2+ insurance is best for cars used regularly but parked in risky areas or not in gated locations. Type 3+ insurance is best for cars that are seven years or older and regularly used but have no risk from the parking location. Lastly, Type 2 and Type 3 insurance provide basic coverage for those with a tight budget.

Car Insurance by Distance or Miles car insurance are also separated as such and depending on which plan and what class of car insurance you choose the premium of the insurance will change accordingly. Another factor that would affect the premium is the distance you will have to choose for the coverage example are 5,000 km per year or 10,000 km per year.


How to Choose the Right Car Insurance

When choosing car insurance, it's important to consider the coverage you need, your budget, and the reputation of the insurance provider. Here are some tips to help you choose the right car insurance:

Compare Quotes

Get quotes from different insurance providers to compare coverage and premiums right away on our website

Check the Reputation of the Insurance Provider

Choose an insurance provider with a good reputation for customer service and claims processing. We have already vetted all our policies and you can be sure that we only sell from insurance providers with a good reputation

Consider the Coverage You Need

Consider the type of coverage you need based on your vehicle, driving habits, and budget. Comprehensive insurance provides the most coverage, but it's also the most expensive.

Read the Fine Print

Read the policy details carefully to understand the coverage, exclusions, deductibles, and limits of liability.

How to Make a Claim

If you are involved in an accident, follow these steps to make a claim:

  1. Call the police and report the accident.
  2. Exchange information with the other driver, including names, addresses, phone numbers, and insurance details.
  3. Take photos of the damage to your vehicle and the other vehicle.
  4. Contact your insurance provider and report the accident.
  5. Follow the instructions from your insurance provider for submitting a claim.

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