CHUBB Smart Drive Class 1 insurance, cars up to 20 years old, garage or dealer repair

Product information as of 14 October 2026 · compiled by Prakanthai.com

Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums are assessed car by car, based on the model, the sum insured and the repair type
Highlights: Class 1 with a choice of garage or dealer repair; garage repair accepts renewals for cars up to 20 years old, and additional accessories are covered up to THB 25,000

Your car is more than ten years old but well looked after, and you want to stay on Class 1. But many insurers won't accept a car that old, or they accept it but don't cover alloy wheels, dashcams and audio systems fitted later.

Class 1 insurance that extends the car age limit and covers added accessories: what does it cover, and how do garage repair and dealer repair differ?

Who is CHUBB Smart Drive Class 1 insurance for?

In short: Chubb Samaggi Insurance's CHUBB Smart Drive Class 1 insurance suits owners of saloons or pickups who want Class 1 cover that accepts older cars than usual. With network garage repair, new policies are accepted for cars up to 15 years old and renewals up to 20 years; with dealer repair, new policies up to 7 years and renewals up to 10 years. It covers the car itself, theft and fire up to the sum insured, additional accessories up to THB 25,000 and belongings in the car up to THB 25,000. Premiums are assessed car by car, based on the model and the sum insured (as of 14 October 2026).

What does CHUBB Smart Drive Class 1 insurance cover?

Every policy includes emergency assistance, such as a battery jump-start, changing to the spare tyre, emergency fuel, a locksmith, towing, onward travel or accommodation costs if the car breaks down during a journey, and advice by phone

What age of car does CHUBB Smart Drive Class 1 insurance accept?

Roughly how much is CHUBB Smart Drive Class 1 insurance?

This plan has no fixed premium table. The premium is assessed car by car, depending on the model, the car's age, the sum insured and whether you choose garage or dealer repair. Our team can prepare a quote from your registration book. The actual premium is the one on your quote, subject to the insurer's underwriting decision.

Worked example: how far are added accessories and belongings in the car covered?

Suppose you fit alloy wheels worth THB 18,000 and a dashcam worth THB 6,000 later on, and then the car is broken into and belongings worth THB 30,000 in total are stolen

• Additional accessories: 18,000 + 6,000 = THB 24,000, within the THB 25,000 limit
• Belongings stolen from the car worth THB 30,000: you get up to THB 25,000, and pay the remaining THB 5,000 yourself
• If you choose dealer repair and are injured and admitted to hospital for 3 days, you get additional compensation of 1,800 × 3 = THB 5,400. Garage repair does not include this

This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. A simple rule: garage repair stands out for accepting older cars, while dealer repair gives more extra benefits.

Who is CHUBB Smart Drive Class 1 insurance for?

• Owners of cars aged 10–20 years who have renewed continuously with no at-fault claims and still want Class 1 garage repair
• People who have fitted added accessories, such as alloy wheels, an audio system or a dashcam
• People who regularly leave valuables in the car
• Owners of cars up to 7 years old who want dealer repair with income compensation and travel costs

Who should not buy this plan yet?

• Cars over 15 years old being insured with Chubb for the first time. New policies with garage repair accept cars up to 15 years old; the 20-year limit applies to renewals with no at-fault claims
• Cars with an at-fault claim that are older than the new-policy limit. The extended age limit applies only when there are no at-fault claims
• Vehicles fitted with a cargo box, steel frame, refrigeration unit, crane, dump body or loader crane (hiab). These are not within the additional accessories limit
• People who want to know the premium straight away from a table. This plan needs a quote for each car

Limits to check before you decide

1. Garage repair has no income compensation or travel costs. Both are available only with dealer repair
2. Third-party bodily injury or death per person differs: THB 500,000 with garage repair, THB 1,000,000 with dealer repair
3. Additional accessories do not include stickers, Kevlar, aluminium or carbon bonnets, ceramic or paint protection coating, steel frames, cargo boxes, refrigeration units, generators, modified leaf springs or axles, or lifting equipment
4. No depreciation deducted, for certain items only: audio systems, dashcams, batteries (excluding EV batteries) and fluids such as engine oil, brake fluid and coolant

Want to know how garage repair and dealer repair differ? Read Network garage vs non-network garage vs dealer repair: which should you choose?

Want to know the actual premium for your car? What do you need to send?

Send just 2 things

1. A photo of the registration book's front page
2. The front page of your current policy

Our team will send you a written quote within a business day, showing the premium for garage repair and for dealer repair (if your car's age qualifies), plus CMI if you want both together. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.

LINE Official: @prakanthai · Tel. +66 2 459 2223

Frequently asked questions

Can an 18-year-old car get Class 1 garage repair cover?

Yes, if it is a renewal with Chubb and there are no at-fault claims, which extends the limit to 20 years. For a new policy, cars up to 15 years old are accepted.

My car is several years old and the dashcam is damaged. Will depreciation be deducted?

This plan pays without deducting depreciation for audio systems, dashcams, batteries and certain fluids, under the policy conditions.

Can a pickup be insured?

Yes. The coverage table lists vehicle codes 110 and 320, which include pickups, but cargo boxes and steel frames are not within the additional accessories limit.

If I make a claim, can I still renew next year?

The extended car age limit for renewals applies when there are no at-fault claims. For how a claim affects your premium, read Does making a claim raise your premium?

If my car breaks down on a trip in the provinces, is accommodation covered?

Emergency assistance includes the cost of continuing your journey or accommodation if the car breaks down while you are travelling. See the policy for the limits.

Who approves claims: Prakanthai.com or Chubb?

Underwriting and claim payments are decided by Chubb Samaggi Insurance. As your broker, Prakanthai.com helps coordinate and follows up on your case.

Notes
The coverage information on this page is based on Chubb Samaggi Insurance Public Company Limited's product information for CHUBB Smart Drive as at 14 October 2026. It is general information and not part of the insurance contract. Premiums are assessed car by car, and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004, providing services since 2004. Please read the policy and the quote in full before deciding.