Aioi Bangkok Class 1 garage-repair insurance for group 4 cars, from THB 13,500
- Updated: 28 October 2026
Aioi Bangkok Class 1 garage-repair insurance for group 4 cars, from THB 13,500
Premium data as of 28 October 2026 · compiled by Prakanthai.com
Underwritten by Aioi Bangkok Insurance Public Company Limited
Premiums from THB 13,500–21,000 per year, depending on the car's age, sum insured range and area
Highlights: Class 1 garage repair with a single-rate premium (Single Rate), so you know the price straight away from the car's age and sum insured range
You ask several insurers for Class 1 quotes, and each gives a different price even for the same car model, because the price is worked out from so many factors that they are hard to compare. Wouldn't it be easier to decide if a plan simply told you the premium by car age and sum insured range?
Aioi Bangkok's Class 1 Single Rate insurance for group 4 cars with garage repair uses premiums from a table, split only between Bangkok and other provinces, but there are conditions on the minimum sum insured and the vehicle inspection that you should know about first.
Aioi Bangkok Class 1 garage-repair insurance (group 4): who is it for and how much is the premium?
In short: Aioi Bangkok's Class 1 Single Rate insurance for group 4 cars suits owners of privately used passenger cars that the insurer places in group 4, aged 2–15 years, who want Class 1 garage repair at a premium they know in advance. It covers the car, theft and fire up to the sum insured, plus third-party property damage of THB 2,500,000. Premiums start at THB 13,500 per year (car aged 6–15 years, sum insured THB 100,000–400,000, other provinces, data as at 28 October 2026, excluding CMI). The actual premium depends on the car's age, the sum insured and the area.
What does Aioi Bangkok Class 1 garage-repair insurance for group 4 cars cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Damage to the car | Up to the sum insured | Garage repair |
| Theft / fire | Up to the sum insured | – |
| Third-party bodily injury or death | THB 500,000 per person Up to THB 20,000,000 per accident in total | – |
| Third-party property | THB 2,500,000 | – |
| Personal accident | THB 100,000 | 7 seats |
| Medical expenses | THB 100,000 | 7 seats |
| Driver bail bond (criminal cases) | THB 200,000 | – |
Roughly how much is the premium for Aioi Bangkok Class 1 garage-repair insurance (group 4)?
Annual premiums, excluding CMI. Data as at 28 October 2026
| Car age / sum insured range (THB) | Bangkok From (THB per year) | Other provinces From (THB per year) |
|---|---|---|
| 2 years · 1,010,000–1,200,000 | 21,000 | 21,000 |
| 2 years · 810,000–1,000,000 | 19,500 | 19,500 |
| 2 years · 500,000–800,000 | 18,999 | 18,999 |
| 3–5 years · 660,000–950,000 | 16,200 | 15,900 |
| 3–5 years · 300,000–650,000 | 15,700 | 15,500 |
| 6–15 years · 410,000–800,000 | 14,199 | 13,900 |
| 6–15 years · 100,000–400,000 | 14,000 | 13,500 |
All figures are starting premiums and already include the camera discount and the app discount. The insurer decides the vehicle group. The actual premium depends on the car's age, the sum insured, the area and the result of the vehicle inspection. The amount you actually pay is the one shown on the quote.
CMI bought separately: saloon THB 645.21
A worked example to illustrate
What is the minimum sum insured you must set?
The insurer accepts a sum insured of not less than 80% of the car's value. Suppose a car is 4 years old and worth THB 700,000 (hypothetical figure).
700,000 × 80% = minimum sum insured THB 560,000, which falls in the 300,000–650,000 range. Starting premium THB 15,700 (Bangkok)
Taking out CMI at the same time
15,700 + 645.21 = THB 16,345.21 per year
A simple rule: within the same sum insured range the premium is the same, so set the sum insured close to the car's value to get the full theft or fire limit.
Who is Aioi Bangkok Class 1 garage-repair insurance (group 4) for?
- Owners of privately used passenger cars in group 4, aged 2–15 years
- People who want Class 1 cover for every kind of collision, including hitting a pillar or wall, and accept garage repair
- People who want to know the premium in advance from the car's age and sum insured range
- People who use their car in other provinces, where the premium is lower than in Bangkok in many ranges
Who should not buy this plan yet?
People who want dealer repair
This plan is garage repair. If your car is a Toyota and you want dealer repair, see Aioi Class 1 Single Rate insurance for Toyota
Cars for hire, rental cars or modified cars
Cars with modified suspension or brake systems, or lowered cars, are not accepted
Cars not in group 4
Aioi has separate tables for each group. See group 3 and group 5
People who find it inconvenient to have the car inspected
This plan inspects the car before cover is accepted
Cars over 15 years old
The premium table covers cars 2–15 years old. Try Viriyah Class 1 First Loss insurance, which accepts cars up to 20 years old
What limitations should you check before deciding?
1) The sum insured must not be less than 80% of the car's value
You cannot set a low sum insured to cut the premium, and the sum insured ranges you can choose depend on the car's age.
2) The car is inspected before cover is accepted
If the car has existing damage, the insurer may decline it or exclude that area.
3) Garage repair
This plan has no dealer repair option
4) The car must be in group 4 as set by the insurer
Send us your car model to check first
5) The premium excludes compulsory motor insurance (CMI)
See your quote for the actual total before you pay.
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 check the vehicle group and the minimum sum insured, then send you a written quote within a business day, showing the total premium, and CMI if you want it at the same time. 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
What is Single Rate?
It means a single-price premium from a table, based on the vehicle group, the car's age, the sum insured range and the area, so there is no need to wait for a car-by-car calculation.
If I live in the Bangkok vicinity, does the Bangkok rate or the provincial rate apply?
The table is split into Bangkok and other provinces. How your area is classified follows what the insurer specifies in the quote.
If my car has had a claim before, does this premium still apply?
Send us the schedule page of your existing policy to check first. Acceptance depends on the insurer's assessment and the result of the vehicle inspection.
What is the difference between repair at a network garage and at a non-network garage?
Read the comparison in Network garage vs non-network garage vs dealer repair
Who approves claims: Prakanthai.com or Aioi Bangkok?
Underwriting and claim payments are decided by Aioi Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The coverage and premium information on this page is based on Aioi Bangkok Insurance Public Company Limited's product information for Class 1 Single Rate car insurance, group 4 cars, garage repair, as at 28 October 2026. 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. Please read the policy and the quote in full before deciding.
Price: THB 13,500
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