Aioi Bangkok Class 1 garage-repair insurance, group 3 cars, from THB 14,000
- Updated: 28 October 2026
Aioi Bangkok Class 1 garage-repair insurance, group 3 cars, from THB 14,000
Premium data as of 28 October 2026 · compiled by Prakanthai.com
Underwritten by Aioi Bangkok Insurance Public Company Limited
Premiums from THB 14,000–22,000 per year, depending on car age, sum insured band and area
Highlights: Class 1 garage repair on a single-rate premium (Single Rate), accepting sums insured up to THB 1,400,000 for 2-year-old cars
Your two-year-old car's new-car (red plate) insurance has just run out, and the renewal quote from the dealer is more than you expected. You want Class 1 with full cover but are happy to use a garage to bring the premium down. What should you look at?
Aioi Bangkok's Class 1 Single Rate insurance for group 3 cars with garage repair uses premiums from a table, split between Bangkok and other provinces. It accepts passenger cars up to 15 years old, and there is a list of cars it does not accept that you should check first.
Aioi Bangkok Class 1 garage-repair insurance (group 3): who is it for and how much is the premium?
In short: Aioi Bangkok's Class 1 Single Rate insurance for group 3 cars suits owners of privately used passenger cars with up to 7 seats (code 110) that the insurer places in group 3, up to 15 years old, who want Class 1 with garage repair at a premium known in advance. It covers the car, theft and fire up to the sum insured, and third-party property cover of THB 2,500,000. Premiums start at THB 14,000 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 car age, sum insured and area.
What does Aioi Bangkok Class 1 garage-repair insurance (group 3) 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 persons |
| Medical expenses | THB 100,000 | 7 persons |
| Driver bail bond (criminal cases) | THB 200,000 | – |
Roughly how much is the premium for Aioi Bangkok Class 1 garage-repair insurance (group 3)?
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 · 1,210,000–1,400,000 | 22,000 | 22,000 |
| 2 years · 810,000–1,200,000 | 19,500 | 19,500 |
| 2 years · 500,000–800,000 | 18,999 | 18,999 |
| 3–5 years · 660,000–950,000 | 16,700 | 16,400 |
| 3–5 years · 250,000–650,000 | 16,200 | 15,900 |
| 6–15 years · 410,000–800,000 | 14,700 | 14,400 |
| 6–15 years · 100,000–400,000 | 14,500 | 14,000 |
Every figure is a starting premium. The insurer decides the vehicle group. The actual premium depends on car age, sum insured, area and the insurer's underwriting decision. The amount you actually pay is the one on your quote.
CMI bought separately: saloon THB 645.21
A worked example to illustrate
A 2-year-old car with a THB 900,000 sum insured, used in Bangkok, bought together with CMI
That falls in the THB 810,000–1,200,000 band, with a premium of THB 19,500
19,500 + 645.21 = THB 20,145.21 per year
How much lower is the premium next year?
Once the car reaches 3–5 years old, with a sum insured of THB 660,000–950,000, the Bangkok premium is THB 16,700
19,500 − 16,700 = THB 2,800 less per year (assuming, for this example, that the car stays in that sum insured band and the insurer keeps using the same table)
As a rule of thumb, within the same sum insured band the premium is the same, so set the sum insured close to the car's value to get the fullest theft and fire cover
Who is Aioi Bangkok Class 1 garage-repair insurance (group 3) for?
- Owners of privately used passenger cars with up to 7 seats, code 110, in group 3
- Owners of 2-year-old cars whose new-car (red plate) insurance has ended and who want a lower premium while still getting Class 1
- People who want cover for every kind of collision, including hitting a pillar or wall, and are happy with garage repair
- People who want to know the premium in advance from the car's age and sum insured range
Who should not buy this plan yet?
Cars over 15 years old
This plan accepts cars up to 15 years old. Try Viriyah Class 1 First Loss insurance, which accepts cars up to 20 years old
Customised, lowered, raised or modified cars
Supercars, racing cars and cars fitted with sirens are included. This plan does not accept them
Cars used for demos or test drives
Not accepted in any case
Cars used for hire or rental, or cars with an all-number registration
For example six-wheel trucks, tow trucks, trailers and songthaews. This plan accepts only code 110 cars not used for hire or rental.
Cars not in group 3
See the tables for group 4 and group 5
What limitations should you check before deciding?
1) Garage repair
This plan has no dealer repair option
2) Only passenger cars with up to 7 seats, code 110, are accepted
Pickups and vans are not part of this plan
3) The sum insured bands you can choose are tied to car age
Sums insured above THB 950,000 are available only for 2-year-old cars, and cars aged 6–15 years can choose a sum insured of up to THB 800,000
4) The car must be in group 3 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 sum insured band that can be set, 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
Is my car in group 3 or another group?
The insurer sets the vehicle group according to make and model. Send your registration book and our team will check it and tell you which table applies.
If my new-car (red plate) insurance has ended, what do I give up by switching to garage repair?
The cover is still Class 1, but repairs move from the service centre to a garage. You can read about the difference in Network garage vs non-network garage vs dealer repair
If I make a claim, will the premium go up next year?
It depends on the type of claim and the insurer's assessment. Read more in Does the premium go up after a claim?
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.
Can I get compulsory motor insurance (CMI) at the same time?
Yes. Mention it when you ask for a quote. If you want to check that the cover dates line up with your tax renewal first, read New CMI rules from 1 September 2026
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 3, 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 14,000
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