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| Type | Price |
|---|---|
| Less than 5,000 Kilometer | Starts From 4,900 Baht |
| Less than 10,000 Kilometer | Starts From 8,200 Baht |
| Yearly Auto Insurance | Starts From 12,000 Baht |
| Mileage Purchase | Price |
|---|---|
| 1,000 KM | 1,350 Baht |
| 2,000 KM | 1,950 Baht |
| 3,000 KM | 2,700 Baht |
| 4,000 KM | 3,300 Baht |
Save up to 70% on insurance premiums compare to annual car insurance
Pay your premiums in installment up to 10 months with a Thai Credit-Card with no extra fees.
Compare plans and apply online with us anytime and anywhere you want. Our website is there 24/7!
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).
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Are you looking for a fairer way to insure your vehicle in Thailand? Miles car insurance Thailand, also known as pay per kilometer insurance, offers a revolutionary approach to auto coverage. This comprehensive guide will walk you through everything you need to know about this cost-effective insurance option that's transforming how Thai drivers protect their vehicles.
Miles car insurance is a type of car insurance in Thailand where your premium is based on the number of kilometers you actually drive. It's designed for people who don't drive frequently but still want comprehensive coverage while saving significantly on premiums. This innovative insurance typically provides the same extensive protection as type 1 car insurance, but with a pricing model that reflects your actual vehicle usage.
There are two main approaches to miles car insurance in Thailand:
Miles car insurance typically offers the same comprehensive protection as traditional type 1 car insurance. Here's what's typically covered:
| Coverage Type | Miles Insurance | Traditional Class 1 | Benefits |
|---|---|---|---|
| Own Vehicle Damage | ✓ | ✓ | Accident repairs covered |
| Third-Party Liability | ✓ | ✓ | Legal protection included |
| Fire & Flood | ✓ | ✓ | Natural disaster coverage |
| Theft Protection | ✓ | ✓ | Vehicle security coverage |
| Windscreen Damage | ✓ | ✓ | Glass replacement covered |
| Personal Injury | ✓ | ✓ | Medical expenses included |
One of the biggest advantages of miles car insurance is the significant cost savings. Here's current pricing data for different insurance classes:
| Plan | Sum Insured | Premium Range (THB) | Best For |
|---|---|---|---|
| Class 1 - Garage | Full vehicle value | 7,500 - 26,000 | Low mileage comprehensive coverage |
| Class 1 - Dealer | Full vehicle value | 12,400 - 33,000 | Premium repairs with brand parts |
| Class 2+ | Partial coverage | 5,500 - 12,500 | Budget-conscious drivers |
| Class 3+ | Third-party plus | 4,400 - 9,500 | Basic comprehensive protection |
Several key factors influence your miles car insurance premium:
To apply for miles car insurance in Thailand, you'll need:
This insurance type works best for:
The claim process for miles car insurance follows standard procedures:
Understanding repair options can significantly impact your premium:
Yes, your vehicle is protected 24/7 with comprehensive coverage, regardless of whether it's being driven or parked. The mileage-based pricing only affects your premium calculation, not your coverage scope.
Under the mileage top up approach, exceeding your limit can invalidate your coverage. It's crucial to purchase additional kilometers before reaching your limit. With pay-as-you-go plans, you'll pay the standard per-kilometer rate for extra miles.
Focus on coverage scope, premium costs, insurer reputation, claim settlement ratios, and customer service quality. Use online comparison tools to evaluate multiple options quickly and make informed decisions.
You cannot switch mid-policy between mileage top-up and pay-as-you-go approaches. However, you can change plans at renewal time or cancel your current policy to purchase a new one with different terms.
Miles car insurance is not available for all vehicle types. Most insurers offer it for private passenger cars, but availability may vary for commercial vehicles, motorcycles, or specialty vehicles. Contact insurers directly to confirm eligibility.
Odometer readings must be accurate and verifiable. Insurance companies may cross-check readings during claims or policy renewals. Providing false mileage information can void your policy and result in claim rejection.
Miles car insurance Thailand represents a smart, cost-effective solution for low-mileage drivers seeking comprehensive protection. By aligning your premium with actual usage, you can enjoy significant savings while maintaining peace of mind on Thai roads.
Last updated: 01 Sep 2025
