Car Insurance Types Explained

Type 1 car insurance isn’t for everyone. Type 2+, Type 3+ and Type 3 are all cheaper options that still give you cover on the roads.

Type 2+ car insurance.

Type 2+, also known as second class.

Similar to Type 1 BUT there is a limit to the amount of cover you receive when you damage your car.

What isn’t covered?

Car damage following:

• Accidents that don’t involve another motorist. For instance, if you hit a wall or a tree you are not covered. In ‘scratch and run’ cases you won’t be covered. You will have to pay for such damage out of your own pocket.

Worried about others accidentally damaging your car? Check out Type 1 car insurance.

What might not be covered?

To find out exactly what is covered, please refer to the car insurance policy document issued by the insurer.

Car damage or loss following:

• Floods
• Acts of terrorism.

Our insurance experts will advise you.

Type 3+ car insurance.

• Covers you and any third-party for medical expenses, bodily injury and death in an accident involving your car.
• Plus, third-party property damage caused by your car accident.
• Limited coverage to your car following a collision with a third party.
• No cover for your car following fire, theft or floods.

What isn’t covered?

Car damage following:

• Accidents that don’t involve another motorist. For instance, if you hit a wall or a tree. ‘Scratch and run’ damage
• Damage or loss by fire and theft
• Damage due to acts of terrorism

Type 3 car insurance.

Covers third-party property damage and third party bodily injury and death only, in an accident involving your car. This is the most basic voluntary cover available.

What isn’t covered?

Provides no coverage for your own car.

Compulsory Motor Insurance.

Compulsory Motor Insurance (CMI) is the lowest legal requirement you can get in Thailand. It provides limited coverage. It is sometimes known as Compulsory Third Party Liability Insurance (CTPL.)

For a small fee the insurance cover provides 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. It will not pay for damage to your vehicle, loss of use and other expenses. For peace of mind you’ll want to buy additional Voluntary Motor Insurance to enjoy greater protection.

It is highly recommended you buy CMI from EasyCompare at the same time as your voluntary insurance. This will ensure a smoother claims process. If bought separately you will have to organize the documentation process for your CMI claim yourself.

At EasyCompare you can choose to include the option to buy your CMI when you get a quick quote.

Let EasyCompare be your guide.

Each insurance policy differs slightly.

At EasyCompare we make it our mission to fully explain these differences including limits and sums insured.

We discuss your needs and find out what is important to you so that we can give you the best advice about which policy to choose and at the best price.

You will also find full policy details within your car insurance policy document.