Car Insurance Thailand Class : 3+

Comprehensive Guide to Type 3+ Car Insurance in Thailand

Looking to buy the best Class 3+ car insurance policy in Thailand? Look no further! Our platform offers extensive customization options, enabling you to tailor your coverage to suit your needs. Type 3+ policies start from just 3,500 baht per year.

What is Voluntary Motor Insurance Type 3+?

Type 3+ Car Insurance is a mid-level coverage option available in Thailand. It provides good protection for your vehicle and liability coverage, though less comprehensive than Type 1 and Type 2+ car insurance. It's often called "Third-party plus own damage" insurance.

Type 3+ car insurance is a popular choice in Thailand, as it provides more coverage at an affordable price. Type 3+ car insurance usually covers:

• Damage from vehicle-to-vehicle accidents
• Damage caused to others and their vehicles or property
• Personal accident coverage (to a limited extent)
• Bail bond coverage

What's the difference between Type 3+ insurance and other types of car insurance?

Type 3+ car insurance offers a balance between coverage and cost. It primarily covers damages to third parties and protects your car from damages caused by other vehicles.

Type 1 car insurance offers the most comprehensive coverage, protecting you, your car, and others involved in accidents, regardless of fault.

Type 2+ car insurance is similar to Type 3+ but often includes additional coverage for fire and theft.

Type 3 car insurance only covers the damage you cause to other vehicles and people, without any protection for your own vehicle.

What does Type 3+ Car Insurance Cover?

What's usually covered

All policies differ, but in general, a Type 3+ car insurance policy will include cover and compensation for:

• Vehicle-to-vehicle damages
• Third-party liability (up to THB 5,000,000 for property damage and THB 10,000,000 for bodily injuries and loss of life)
• Personal injury
• Medical expenses
• Bail bond coverage
• Damages to windscreen (in some policies, when involving a third party)
• 24-hour roadside assistance (in some policies)

What's usually not covered

Your policy will also list exclusions for which you won't be covered. Some typical exclusions are:

• Other Collision Damage without a third party
• Fire
• Theft
• Flood
• Driving under the influence of alcohol or any illegal drugs
• Damage to your own property

How much does Type 3+ Car insurance in Thailand Cost?

Type 3+ Car Insurance offers a good balance between coverage and affordability. You can expect to pay around 5,000 baht in premiums for Type 3+ Insurance for your car. Our Type 3+ policies start at just 3,500 baht. The cost of your Type 3+ Car Insurance in Thailand will depend on several factors:

• Vehicle make, model, and year
• Location (province or city)
• Age of the driver

While prices can vary, typically ranging from 3,500 THB to 15,000 THB, many Thai drivers find Type 3+ Insurance to be a cost-effective option that provides essential coverage.

How can I get Cheaper Type 3+ Car insurance in Thailand?

There are several ways to reduce your premiums for Type 3+ Insurance:

Excess or Deductible

Choosing a higher deductible can lower your premium. But make sure you can afford the higher out-of-pocket expense if you need to make a claim.

Dealership and Garage Repairs

While the Dealership Repair plan will repair your car at an official brand dealership with original manufacturer parts, Garage Repair may use aftermarket parts for your repairs. Garage repair plans are significantly cheaper and sometimes repairs are done better.

Adjusting your coverage levels

Lowering your coverage will also lower your premium. Adjust your coverage to the levels you need but don't go too low - higher coverage with a higher premium often turns out more cost-effective in the long run.

Named Driver

By naming up to three drivers on your policy, you can often lower your insurance cost premium.

Maintaining a clean driving record

Having a clean driving record will ensure your renewal premium stays where it is. Some insurers offer no-claims bonuses for accident-free years.

Installing a Dashcam

Many insurance companies offer discounts of up to 5% on car insurance premiums for drivers who have a dashcam installed in their vehicle.

Special Coverage and Additional Extras

While Type 3+ insurance doesn't offer as many extras as Type 1, some providers may offer additional coverage options:

24/7 Roadside Assistance cover

This may be available as additional coverage, including services like towing, battery jump-starts, and lockout assistance.

Replacement Car

Some policies may provide a temporary car to use until your own vehicle is repaired or replaced.

Transportation Compensation

Some policies offer reimbursement for travel expenses during the period when your vehicle is being repaired.

Which car insurance company is good for Type 3+ Car insurance?

When shopping for car insurance, it's smart to hunt for the best coverage you can get at a price that won't break the bank. All the insurance companies we list on our website are hand-picked and have proven themselves trustworthy over the years.

With Type 3+, the best policy is often the one you can get right away. We think the company that can issue you the policy immediately is better since the coverage is very similar in most cases. You should make the most affordable decision.

Here's a list of the Top 5 car insurance companies in Thailand for Type 3+ car insurance:

1. Viriyah Insurance Public Company Limited
2. Tokio Marine Safety Insurance (Thailand) Public Company Limited
3. Bangkok Insurance Public Company Limited
4. Thanachart Insurance Public Company Limited
5. Muang Thai Insurance Public Company Limited

Can I buy EV car type 3+ insurance?

Yes, we offer EV car Type 3+ insurance, which provides coverage for electric vehicles. Type 3+ insurance includes third-party liability coverage and vehicle-to-vehicle damage repairs, providing financial protection for your electric vehicle if it's damaged in a collision with another vehicle.

Type 3+ insurance is ideal for those looking for more than basic liability coverage but want to avoid the higher costs of Type 1 insurance.

How to apply for Type 3+ Car insurance in Thailand?

Compare Plans & Premiums

Select the plan that is right for you.

Apply through our website or Our Agents

Apply right away with confidence, or contact our customer service team with more questions. You can also contact your agents to see if they are managing your insurance for you.

Send Us the Necessary Documents

Send us the following documents to complete the process:

• Copy of your Passport or Thai Driving License
• Copy of your Green book or Registration or Deed of Sale

That's it: You're Covered

If your insurance starts today, you are covered. You will have coverage right away (after you receive a confirmation email from us) for third-party liability and damages from vehicle-to-vehicle collision. Coverage for damages due to collision without a third party or self-inflicted accident will become active only after you pass the car inspection. Some insurance companies will be okay with just pictures of your car, but most will schedule an inspection date with you 1-7 days after the confirmation. The original documents (policy) will then be sent to your mailing address within 7-14 days.

Frequently Asked Questions

How do I claim for Type 3+ car insurance?

Contact your insurance company immediately after an accident by calling the insurer hotline. Provide all necessary details about the incident, take photos of the damage, and collect information from other parties involved. Follow your insurer's instructions for submitting claim forms and supporting documents. For vehicle-to-vehicle damages, you may need to have your car inspected at an approved garage.

What's the main difference between Type 3 and Type 3+ car insurance?

Type 3+ insurance includes coverage for vehicle-to-vehicle damage to your own car, which is not covered under standard Type 3 insurance.

Does Type 3+ insurance cover damage from natural disasters like floods?

Generally, Type 3+ insurance does not cover damage from natural disasters. For such coverage, you might need to consider a more comprehensive policy type.

How soon does my Type 3+ coverage become active?

Third-party liability and vehicle-to-vehicle collision coverage start immediately after you receive a confirmation email. However, coverage for self-inflicted accidents typically becomes active only after a car inspection.

Can I get Type 3+ insurance for a brand new car?

While you can, it's often recommended to get more comprehensive coverage like Type 1 for a new car to protect your investment fully.

Is roadside assistance included in Type 3+ insurance?

Roadside assistance is often available as an additional option with Type 3+ policies. Check with your specific insurer for availability and terms.

How does the car inspection process work for Type 3+ insurance?

Most insurers will schedule an inspection within 1-7 days after confirmation. Some may accept photos of your car instead of a physical inspection.

Is Type 3+ insurance suitable for older cars?

Yes, Type 3+ can be a good option for older cars, offering a balance of protection and affordability.

How many drivers can I add to my Type 3+ policy?

You can typically add up to 3 named drivers on your policy. Adding fewer drivers may help lower your premium.

Does Type 3+ insurance cover me if I drive in neighboring countries?

Coverage may be limited to Thailand unless otherwise stated. It's best to check with your insurance provider for specific details about international coverage.

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 support@checkdi.com

Frequently Asked Question

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 bought Type 1 Car Insurance, would I have coverage right away?

Yes, You will have coverage right away( After you receive confirmation email from CheckDi ) for third party liability and damages from vehicle to vehicle collision. Coverage form damages due to collision without a third party or self inflicted accident will become active only after you pass the car inspection.

If I were to be in an accident and the car cannot move - will 1st class insurance cover the towing of the car?

Yes. Class 1 insurance will tow your car to the nearest garage or dealer that you wish if and only if you have been involved in an accident only (Different to the Roadside Service 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 : 02-985-9000 or Chat with us LINE@ @checkdi or Email us : support@checkdi.com

Office hours Mon-Fri : 08:00 - 17:30