Compare car insurance from Thailand’s leading insurers
We think buying car insurance should be easy. Here`s a simple table to show the difference between each insurance type that is generally available.
| Car insurance comparison table | Car insurance Type 1 | Car insurance Type 2+ | Car insurance Type 3+ | Car insurance Type 3 |
|---|---|---|---|---|
| Damage to your car | ||||
| Collision with no third-party vehicle involved |  |
- | - | - |
| Collision with a third-party vehicle involved | |
|
|
- |
| 24-Hour Emergency Roadside Assistance service (due to accident) | (Only some plans) |
- | - | - |
| Loss / damage to your car - fire / theft / natural disasters | ||||
| Fire | |
|
- | - |
| Theft | |
|
- | - |
| Natural disasters (including flooding) | |
(Only some plans) |
- | - |
| Third-Party Liability | ||||
| Third-party property damage liability | |
|
|
|
| Third-party liability for injury or death | |
|
|
|
| Additional Protection | ||||
| Personal accident insurance | |
|
|
|
| Medical fees | |
|
|
|
| Bail bond | |
|
|
|
All cover is up to the limits and sums shown in your policy documents.
Not sure what insurance is best for you?
Here’s a quick glance at the insurance types for you to choose from.
Type 1 car insurance
Covers you and your car, any damage to third party property, bodily injury as well as loss due to fire and/or theft, and natural disasters including floods.
Type 1 car insurance is good for;Motorists looking for the maximum level of cover available. Type 1 is a great choice if you’ve got a new car or a high value car that is up to or around 7 years-old (up to 12 years-old for some insurers). It gives complete peace of mind.
Type 2+ car insurance
Offers similar protection to Type 1 but there is a limit to the sum covered if you damage your own vehicle. It also excludes any damage to your own car that is your fault. For instance, driving into a wall.
Type 2+ car insurance is good for;Motorists who still want peace of mind but want to pay a little less than Type 1 car insurance and own an older car.
Type 3+ car insurance
Covers third-party liability for damage to another person’s vehicle or another person up to the insured sum. Also offers limited coverage for your own car due to collisions only.
Type 3+ car insurance is good for;Motorists on a budget or those who own an older or a low-value vehicle. Type 3+ provides less coverage based on a lower insured sum. This means a lower premium. Also, a good option for those who don’t use their car very often.
Type 3 car insurance
This policy covers third party property damage and third-party injury. It does not cover your vehicle.
Type 3 car insurance is good for;Older vehicles. It is the lowest level of voluntary cover available and is the cheapest insurance we offer. We recommend Type 3 to those on a very tight budget who want a little more coverage than the legal requirement of Compulsory Motor Insurance.
Compulsory Motor Insurance (CMI)
This insurance is the minimum cover required by law. Covers third party liability to other drivers and their passengers. It covers medical expenses or loss of life following a car accident. Sums insured are limited.
Car insurance cover explained
Damage to your carCollision with no third-party vehicle.
Your car is covered if you crash into a wall or tree for instance. Or if your car is damaged in a ‘scratch and run’ case (only Type 1).
Collision with a third-party vehicle.
Your car is covered following a collision with another vehicle involved (except Type 3).
24-Hour Emergency Roadside Assistance service.
If your car is too damaged to drive then it will be towed from the accident site to a repair garage following a crash. Some roadside assistance services also include emergency fuel delivery, tire change service, battery jump starts and more. Ask for details.
Natural disasters.
Your car is covered following damage by fallen trees, accidental flooding, storms or any other natural disasters (only Type 1 and some of Type 2+ plans).
Fire and/or Theft.
Your car is covered for damage or loss due to fire and theft (only Type 1 and 2+).
Personal accident.
Provides cover if the driver is injured or killed in an accident involving your car.
Medical expenses.
Provides cover for you or your passengers needing medical attention following your car accident.
Bail bond.
Your legal costs or expenses against criminal charges following an accident.
Property damage.
Liability cover for damage to someone else’s property in a car accident.
Injury or death to others.
Liability cover if you accidentally injure/kill someone else in a car accident.
Frequently Asked Questions about Car Insurance
Can I buy online car insurance?
You can get quick quote online and can get the advice from our car insurance experts over the phone. However, we don’t offer a service to buy online. From our experience, we believe this approach works better for Thai motorists who feel more comfortable to talk and get the advice from a qualified insurance experts over the phone before buying. We feel it’s our job to listen to our customers, deliver a service and product that fulfils the unique needs of Thailand’s motorists.
How can I buy car insurance?
At EasyCompare, we make car insurance easy for you. Click here for our how-to-guide.
Do car insurance cover modified car?
Modifications made to the car such as modified wheels, sound systems and spoilers can add value to the car, and so can increase to the price of your car insurance premiums. Please be sure to declare any modifications made to your car when speaking to our car insurance experts.
