BKI Class 1 insurance for older cars (Civic, Altis, CR-V), from THB 19,600

Premium data as of 16 October 2026 · compiled by Prakanthai.com

Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 19,600–20,900 per year, depending on the sum insured range, including stamp duty and tax
Highlights: Class 1 insurance for the Civic, Altis and CR-V aged 6–12 years, covering collisions both with and without another party

With a Civic or Altis that has been driven for almost ten years, many insurers start to decline Class 1 renewal, and some offer a step down to 2+, where you pay for the repairs yourself if you reverse into a post or scrape a wall.

Bangkok Insurance's Used Car Special group G 3-4 accepts mid-size saloons and some SUV models aged 6–12 years. The questions are which models belong in this group, what the premium is for each sum insured range, and what conditions apply before the insurer will accept the risk.

Class 1 Used Car G 3-4 insurance for older cars: who is it for and how much does it cost?

In short: Bangkok Insurance's Class 1 Used Car G 3-4 insurance for older cars suits owners of the Honda Civic, CR-V, Mitsubishi Lancer, Nissan Cefiro and Toyota Corolla Altis for private use, with the car aged 6–12 years. It covers the car in collisions both with and without another party, plus theft, fire and flood, up to a maximum sum insured of THB 500,000, with third-party property cover of THB 2,500,000. Repairs are at the insurer's standard repair centres. Premiums start from THB 19,600 per year (as of 16 October 2026). The actual premium depends on the sum insured, the inspection result and the insurer's assessment.

What does Used Car G 3-4 cover?

Repairs at Bangkok Insurance's standard repair centres (contracted garages). 24-hour on-site emergency assistance is provided, and additional accessories are covered up to THB 20,000, as listed in the policy, not including stickers.

How much does Used Car G 3-4 cost?

Annual premiums, including stamp duty and tax. Data as at 16 October 2026

Every figure is a starting premium and already includes the discount for installing a CCTV camera in the car. The actual premium depends on the sum insured, the inspection result and the insurer's underwriting decision. Please confirm the sum insured available with our staff. The CMI amount follows the quote.

Worked example: an 8-year-old Civic, choosing a sum insured of THB 390,000 or THB 400,000

• A sum insured of THB 390,000 falls in the THB 300,000–390,000 band, with a premium of THB 20,200 per year
• A sum insured of THB 400,000 moves into the THB 400,000–500,000 band, with a premium of THB 20,900 per year
• The difference is 20,900 − 20,200 = THB 700 per year, in return for a higher sum insured of 400,000 − 390,000 = THB 10,000
• Premium for a sum insured of THB 390,000 averages 20,200 ÷ 12 = about THB 1,683 per month

This example is for illustration only. The sum insured the insurer accepts depends on each car's value. If your car's value is close to the boundary between two sum insured ranges, our team will work out both options for you before you decide.

How is it different from Class 2+?

Class 2+ covers the car only in a collision with a land vehicle where the other party can be identified. This plan is Class 1, which Bangkok Insurance states covers collisions both with and without another party, and the table also lists flood and terrorism. For a car over 5 years old, this is the most visible difference when you claim.

Who is Used Car G 3-4 for?

• Owners of a Civic, CR-V, Lancer, Cefiro or Corolla Altis aged 6–12 years, for private use
• People who want to continue with Class 1 even though their current insurer will not renew it because of the car's age
• People who drive in the city and risk scraping or hitting something with no other party involved
• People who park in flood-prone areas and want flood to be covered

Who should not buy this plan yet?

• Small saloons such as the City, Jazz, Vios and Yaris are in group G 5, which has lower premiums. See Class 1 Used Car Special G 5 insurance for older cars
• Cars under 6 years old or over 12 years old: outside the criteria for this plan
• Cars used for hire or rental: this plan accepts only privately used passenger cars with up to 7 seats
• People who want repairs at the car brand's own service centre: this plan repairs at the insurer's standard repair centres
• Cars worth much more than THB 500,000: the maximum sum insured for this group is THB 500,000

Limits to check before you decide

1. The vehicle must be inspected before cover is accepted
2. The policy takes effect once the premium is paid. Until the premium is paid, there is no cover.
3. Additional accessories covered up to THB 20,000 must be listed in the policy; stickers are not included
4. Repairs at Bangkok Insurance's standard repair centres (contracted garages)
5. Maximum sum insured THB 500,000, with the premium rising by sum insured range

Comparing several plans before you choose? Read Comparing car insurance in 2026: 10 things to check before 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 check the model, the car's age and the sum insured available, then send you a written quote within a business day and arrange the vehicle inspection. 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

If I reverse into a pillar myself, can I claim?

This plan is Class 1, which Bangkok Insurance states covers collisions both with and without another party. What is actually paid follows the policy conditions.

Can a 13-year-old Honda Civic be insured?

This plan accepts cars aged 6–12 years. A 13-year-old car is outside the criteria, and our team will help you find another plan.

Can a Honda HR-V be insured?

This group's list names the Civic, CR-V, Lancer, Cefiro and Corolla Altis. The HR-V is not on it. Our team will help you find another Class 1 plan that accepts this model.

Is the CCTV camera discount already deducted from the premium?

The premiums in the table already include the discount for installing a CCTV camera in the car.

Who approves claims: Prakanthai.com or Bangkok Insurance?

Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.

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Notes
The coverage and premium information on this page is based on the product information for Class 1 car insurance, Used Car Special group G 3-4, and the product page on the website of Bangkok Insurance Public Company Limited, as at 16 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, providing services since 2004. Please read the policy and the quote in full before deciding.