Aioi Bangkok Class 1 garage-repair insurance, group 5 cars, from THB 13,000
- Updated: 28 October 2026
Aioi Bangkok Class 1 garage-repair insurance, group 5 cars, from THB 13,000
Premium data as of 28 October 2026 · compiled by Prakanthai.com
Underwritten by Aioi Bangkok Insurance Public Company Limited
Premiums from THB 13,000–15,500 per year, depending on car age, sum insured band and area
Highlights: Class 1 garage repair on a single-rate premium (Single Rate) with a narrow premium range, between THB 13,000 and 15,500 for every car age
You have a small saloon or eco car that you have used for five or six years, and it is not worth much now. Renewing Class 1 feels like poor value for the premium, but dropping to 2+ worries you because you might hit something yourself or scrape a pillar.
Aioi Bangkok's Class 1 Single Rate insurance for group 5 cars with garage repair uses premiums from a table, split between Bangkok and other provinces, but the sum insured must be no less than 80% of the car's value and the car must be inspected first.
Aioi Bangkok Class 1 garage-repair insurance (group 5): who is it for and how much is the premium?
In short: Aioi Bangkok's Class 1 Single Rate insurance for group 5 cars suits owners of privately used passenger cars that the insurer places in group 5, aged 2–15 years, 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 13,000 per year (car aged 6–15 years, sum insured THB 100,000–250,000, 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 5) 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 5)?
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 · 510,000–650,000 | 15,500 | 15,500 |
| 2 years · 250,000–500,000 | 15,000 | 15,000 |
| 3–5 years · 360,000–550,000 | 14,500 | 13,800 |
| 3–5 years · 250,000–350,000 | 14,000 | 13,500 |
| 6–15 years · 260,000–400,000 | 14,000 | 13,500 |
| 6–15 years · 100,000–250,000 | 13,800 | 13,000 |
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
An 8-year-old car worth THB 300,000, used in other provinces (hypothetical figures)
Minimum sum insured 300,000 × 80% = THB 240,000, which falls in the THB 100,000–250,000 band, with a premium of THB 13,000
If you set the sum insured at THB 300,000, it falls in the THB 260,000–400,000 band, with a premium of THB 13,500
13,500 − 13,000 = THB 500 more per year for THB 60,000 more theft or fire cover
How much difference is there between Bangkok and other provinces?
Car aged 3–5 years, sum insured THB 360,000–550,000: 14,500 − 13,800 = a difference of THB 700 per year
As a rule of thumb, if the premium gap between two sum insured bands is only a few hundred baht, setting the sum insured close to the car's value is usually better value
Who is Aioi Bangkok Class 1 garage-repair insurance (group 5) for?
- Owners of privately used passenger cars in group 5, with a car aged 2–15 years
- People whose car is not worth much but who still want cover for every kind of collision, including hitting a pillar or wall
- People who are happy with garage repair and want to know the premium in advance
- People who use their car in other provinces, where the premium for cars aged 3 years and over is lower than in Bangkok
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 used for hire or rental, or modified cars
Cars with modified suspension or brake systems, or lowered cars, are not accepted
Cars not in group 5
See the tables for group 3 and group 4
People who want to keep their budget below the ten-thousand mark
If your main risk is colliding with other vehicles, compare Viriyah Class 1 First Loss insurance, with premiums from THB 8,900, but it pays no more than the repair limit you choose
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
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) Maximum sum insured THB 650,000
The highest sum insured in the table is available only for 2-year-old cars. Cars aged 6–15 years can choose a sum insured of up to THB 400,000
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
Is an eco car in group 5?
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.
How does the vehicle inspection work?
Our team will explain the steps when we send your quote. The inspection format is as specified by the insurer.
What is the difference between network and non-network garage repair?
Read the comparison in Network garage vs non-network garage vs dealer repair
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
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 5, 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 13,000
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