Viriyah EV Class 1 insurance (dealer repair), cars aged 2–5 years, from THB 16,900
- Published: 12 October 2026
Viriyah EV Class 1 insurance (dealer repair), cars aged 2–5 years, from THB 16,900
Premium data as of 11 October 2026 · compiled by Prakanthai.com
Underwritten by Viriyah Insurance Public Company Limited
Premiums from THB 16,900–103,900 per year, depending on the model (private use)
Highlights: Class 1 dealer repair for EVs aged 2–5 years, premiums set model by model, and the same premium for every car age in this range
Your EV is two years old and the first-year insurance that came with the car is about to run out. The renewal notice from your current insurer costs more than you expected, and many insurers still won't take some models.
If you switch to Class 1 dealer-repair cover with Viriyah, is your model in the table, how much is the premium, and which conditions differ from insurance for a petrol car?
Viriyah EV Class 1 insurance for cars aged 2–5 years: who is it for, and how much is the premium?
In short: Viriyah Insurance's EV Class 1 dealer-repair insurance for cars aged 2–5 years suits electric car owners whose model is in the insurer's table and who want to keep using dealer repair. It covers damage to the car, theft and fire up to the sum insured, plus third parties. Premiums start at THB 16,900 per year for private use (Wuling, VOLT; data as at 11 October 2026). Your actual premium depends on the model, the sum insured and the driving records of the named drivers.
What does Viriyah EV Class 1 insurance cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Damage to the car | Up to the sum insured | Dealer repair |
| Theft / fire | Up to the sum insured | Sum insured: 80% of the car's value |
| Third-party bodily injury or death | THB 1,000,000 per person Up to THB 20,000,000 per accident in total | – |
| Third-party property | THB 5,000,000 | – |
| Personal accident | THB 200,000 per person | 1 driver + 6 passengers (VOLT FOR-TWO: 1 passenger; VOLT FOR-FOUR and Wuling: 3) |
| Medical expenses | THB 200,000 per person | Same number of seats as above |
| Driver bail bond (criminal cases) | THB 2,000,000 per accident | Business-use cars THB 3,000,000 · VOLT and Wuling THB 600,000 |
Roughly how much is Viriyah EV Class 1 insurance for cars aged 2–5 years?
Total annual premiums from the insurer's table, data as at 11 October 2026, sorted from lowest to highest premium
| Make / model | Sum insured (THB), car aged 5 → 2 years | Premium, private / business use (THB per year) |
|---|---|---|
| WULING AIR EV / BINGUO EV | 170,000–360,000 | 16,900 / 18,600 |
| VOLT FOR-TWO | 140,000–260,000 | 16,900 / 18,600 |
| VOLT FOR-FOUR | 170,000–300,000 | 16,900 / 18,600 |
| CHANGAN LUMIN | 190,000–360,000 | 21,000 / – |
| MG ZS EV (up to 175 hp) | 230,000–430,000 | 24,900 / 27,400 |
| MG ZS EV (over 175 hp) | 230,000–610,000 | 24,900 / 27,400 |
| MG ES | 320,000–660,000 | 24,900 / 27,400 |
| ORA GOOD CAT | 230,000–600,000 | 26,900 / 26,900 |
| MG EP | 300,000–550,000 | 26,900 / 26,900 |
| BYD DOLPHIN (up to 175 hp) | 210,000–380,000 | 28,400 / 31,300 |
| BYD DOLPHIN (over 175 hp) | 260,000–480,000 | 28,400 / 31,300 |
| NETA V | 140,000–300,000 | 28,500 / 25,200 |
| NETA V-II | 150,000–330,000 | 28,500 / 25,200 |
| AION Y PLUS | 300,000–660,000 | 28,600 / 31,500 |
| MG 4 (up to 175 hp) | 230,000–700,000 | 29,000 / 31,900 |
| MG 4 (over 175 hp) | 430,000–800,000 | 29,000 / 31,900 |
| BYD ATTO 3 | 290,000–650,000 | 30,000 / 33,000 |
| AION ES | 370,000–670,000 | 30,600 / 33,700 |
| BYD SEALION 7 | 460,000–940,000 | 31,500 / – |
| DEEPAL L07 | 420,000–880,000 | 32,900 / 36,200 |
| DEEPAL S07 | 430,000–880,000 | 32,900 / 36,200 |
| ORA 07 | 430,000–920,000 | 32,900 / 36,200 |
| BYD SEAL | 370,000–830,000 | 42,900 / 47,200 |
| MG MAXUS 9 | 990,000–1,900,000 | 42,900 / 47,200 |
| BYD DENZA D9 | 770,000–1,900,000 | 46,100 / – |
| MINI COOPER | 630,000–1,650,000 | 47,900 / 52,700 |
| VOLVO EX30 | 630,000–1,350,000 | 48,600 / 53,500 |
| VOLVO XC40 / EX40 | 770,000–1,900,000 | 51,000 / 56,100 |
| VOLVO C40 / EC40 | 800,000–2,000,000 | 58,900 / 64,800 |
| TESLA MODEL Y | 680,000–1,700,000 | 63,900 / 70,300 |
| TESLA MODEL 3 | 630,000–1,600,000 | 63,900 / 70,300 |
| BMW i3 | 1,400,000–2,600,000 | 73,900 / 81,300 |
| BMW iX3 | 1,150,000–2,400,000 | 73,900 / 81,300 |
| BMW i4 | 1,400,000–3,700,000 | 83,900 / – |
| BMW i5 | 1,650,000–3,800,000 | 83,900 / – |
| BMW i7 | 3,100,000–5,600,000 | 103,900 / – |
Every figure is a starting premium. "–" means there is no business-use rate for that model. The sum insured goes down as the car gets older, but each model's premium is the same for every car age from 2 to 5 years. The actual premium depends on the model, the sum insured and the insurer's underwriting decision; the quote is what counts.
Worked example: how is the sum insured worked out, and how much more do you pay for business use?
Say you have a BYD DOLPHIN (up to 175 hp) that is 3 years old and currently worth THB 375,000
- Sum insured = 375,000 × 80% = THB 300,000 (within the THB 270,000–320,000 range for a 3-year-old car)
- Private use: premium THB 28,400 per year
- Business use: premium THB 31,300 per year, so you pay 31,300 − 28,400 = THB 2,900 more
- If the car is stolen or written off, you receive the sum insured of THB 300,000, not the car's value of THB 375,000
This is an illustration; the actual sum insured and premium are the ones on your quote. The simple rule: for the same model, the older the car, the lower the sum insured, but the premium does not go down with it between 2 and 5 years.
Who is Viriyah EV Class 1 insurance for?
- Owners of electric cars aged 2–5 years whose model is in the table and who want to keep using dealer repair
- People renewing for year 2 or later who want to switch from the insurance that came with the car
- People who use an EV for business and want a rate that matches how the car is actually used
- Families who carry several passengers, because personal accident and medical expenses cover is THB 200,000 per person, for every seat
Who should not buy this plan yet?
- Cars over 5 years old: this table covers cars aged 2–5 years
- New cars (red plates) or cars in their first year: these use a different table; see Viriyah EV Class 1 insurance for new cars (red plates)
- Models not in the table: for example, Hyundai, Kia and Nissan Leaf are not in this plan's table for cars aged 2–5 years
- People who want a sum insured equal to what they paid for the car: this plan sets the sum insured at 80% of the car's value
- People who don't want to name drivers or share their driving record: this plan requires named drivers and driving-behaviour data
Limits to check before you decide
- You must name 1–5 drivers and send a copy of each one's driving licence. The insurer may adjust the premium or decline cover based on this information.
- The sum insured is set at 80% of the car's value, including standard factory equipment but not added accessories
- Added accessories raise the premium, according to the insurer's premium tariff
- Business-use cars must be rated under code E12, which is for business use only; its premiums are mostly higher than for private use
- The insurer reserves the right to adjust the premium if the car's price changes
Not sure whether to choose dealer repair or garage repair? 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
- A photo of the registration book's front page
- The front page of your current policy
Our team will send you a written quote within a business day, showing the sum insured for your car's age, the total premium, and 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
Is the premium for a 4-year-old car cheaper than for a 2-year-old car?
No. Each model's premium is the same for every car age from 2 to 5 years; what goes down is the sum insured.
Can I add a driver later?
The policy can name up to 5 drivers. To add or change a name, let our team know and we will arrange it with the insurer.
Where are Teslas repaired?
This plan is dealer repair. To learn about the body shops Tesla certifies, read Tesla Approved Body Shop (TAB)
Are there EV plans from other insurers to compare?
Yes, for example Muang Thai EV Class 1 insurance, which also has premiums set model by model. Send us your car's details and our team can compare both insurers for you.
Who approves claims: Prakanthai.com or Viriyah Insurance?
Underwriting and claim payments are decided by Viriyah Insurance. Prakanthai.com, as the broker, helps coordinate and follow up for you.
Notes
The coverage and premium information on this page is based on Viriyah Insurance Public Company Limited's premium rate table for Class 1 dealer-repair electric vehicle (EV) insurance as at 11 October 2026, issued under Registrar's Notification No. 45/2567 (2024) on the forms, wording and premium tariff for electric vehicle insurance policies. It is general information and not part of the insurance contract. Premiums 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.
Price: THB 16,900
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