Chubb Class 1 insurance for pickups with a cage or cargo box, from THB 16,500
- Published: 14 October 2026
Chubb Class 1 insurance for pickups with a cage or cargo box, from THB 16,500
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 16,500–32,300 per year, depending on the sum insured, the registration and the type of cage or box
Highlights: Class 1 network garage repair for pickups fitted with a cage or cargo box, which many plans don't accept
Your pickup with a cage carries goods to customers every day. When you go to renew your Class 1 cover, many insurers reply that they don't accept modified vehicles, or that they accept them but don't cover the cage and steel frame.
Class 1 insurance that accepts pickups with a cage or cargo box: how much is the premium, and how far does it cover the cage?
Chubb Class 1 insurance for pickups with a cage: who is it for, and how much is the premium?
In short: Chubb Samaggi Insurance's Class 1 network garage repair insurance is for pickups up to 4 tonnes (code 320) fitted with a cage level with the cab roof, or a cage or cargo box higher than the cab roof. It covers the car itself, theft and fire up to the sum insured, and covers the steel frame within the THB 20,000 additional accessories limit. Premiums start at THB 16,500 per year for a cage level with the cab roof, a sum insured of THB 100,000–600,000 and a provincial registration in certain regions (as of 14 October 2026). The actual premium depends on the sum insured, the registration and the type of cage or box.
What does Class 1 insurance for pickups with a cage cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Damage to the car | Up to the sum insured | Network 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 1,000,000 | – |
| Personal accident / medical expenses | THB 100,000 / 100,000 | 3 seats |
| Driver bail bond (criminal cases) | THB 300,000 | – |
| Additional accessories | Up to THB 20,000 | Alloy wheels, audio system, in-car TV, dashcam, spoiler, window tint and steel frame only, included in the sum insured |
Roughly how much is Class 1 insurance for pickups with a cage?
Annual premiums. Data as at 14 October 2026
Pickup with a cage level with the cab roof
| Sum insured (THB) | Bangkok registration* | Provincial registration** |
|---|---|---|
| 100,000–600,000 | 18,500 | 16,500–17,500 |
| 610,000–800,000 | 20,500 | 18,500–19,500 |
| 810,000–1,000,000 | 22,500 | 20,500–21,500 |
Pickup with a cage or cargo box higher than the cab roof (Plan 1 / Plan 2)
| Sum insured (THB) | Bangkok registration* | Provincial registration |
|---|---|---|
| 100,000–300,000 | 29,500 / 27,900 | 28,200 / 26,700 |
| 310,000–400,000 | 29,900 / 28,200 | 28,600 / 27,000 |
| 410,000–500,000 | 30,500 / 28,800 | 29,000 / 27,400 |
| 510,000–600,000 | 31,000 / 29,300 | 29,500 / 27,900 |
| 610,000–700,000 | 31,700 / 29,900 | 29,800 / 28,100 |
| 710,000–800,000 | 32,300 / 30,500 | 30,400 / 28,700 |
*Bangkok registration includes Nonthaburi, Pathum Thani, Samut Prakan, Samut Sakhon and Nakhon Pathom. **Provincial premiums are split by region as set by the insurer. Our team will set out the differences between Plan 1 and Plan 2 in your quote. Every figure is a starting premium. The actual premium depends on the sum insured, the registration, the vehicle inspection and the insurer's underwriting decision. The quote is what counts.
Worked example: what is the minimum sum insured?
Suppose a pickup with a cage level with the cab roof is worth THB 550,000 including the cage, with a Bangkok registration
- The sum insured must be at least 80% of the vehicle's value: 550,000 × 80% = THB 440,000
- A sum insured of THB 440,000 falls in the THB 100,000–600,000 band, so the premium is THB 18,500 per year (about THB 1,542 a month on average = 18,500 ÷ 12)
- If the cage is higher than the cab roof, with the same sum insured, the premium is THB 28,800–30,500, depending on the plan
This example is for illustration only. A simple rule: a cage or cargo box higher than the cab roof raises the premium by about THB 10,300–12,000 for the same sum insured and registration (28,800 − 18,500 and 30,500 − 18,500)
Who is Class 1 insurance for pickups with a cage for?
- Owners of pickups up to 4 tonnes fitted with a cage or an enclosed cargo box who are looking for a Class 1 plan that accepts this kind of vehicle
- Shops or businesses that regularly use a pickup to carry goods and want the insurance to repair their own vehicle in every case
- People who want cover for the steel frame and added accessories, such as alloy wheels or a dashcam
Who should not buy this plan yet?
- Vehicles carrying hazardous materials, fuel, acid or gas (code 340). The insurer does not accept them
- Pickups with a modified cargo bed, converted into passenger vehicles, or fitted with a dump body
- Racing cars, lowered or raised vehicles, ambulances, rescue vehicles, and Demo or Test Drive vehicles
- People who want cover for modified leaf springs or axles. This plan does not cover leaf springs or axles that differ from the factory standard
- 4-door pickups without a cage. There are model-specific plans that may suit them better, such as Chubb Class 1 D-Max
Limits to check before you decide
- The sum insured must be at least 80% of the vehicle's value on the date of insurance, including accessories
- The vehicle must be inspected before cover is accepted
- Additional accessories up to a combined THB 20,000, listed items only, included in the sum insured
- Modified leaf springs or axles, Kevlar, stickers, ceramic coating and paint protection coating are not covered
- Code 320 only, i.e. pickups weighing up to 4 tonnes
Want to know how a network garage differs from dealer repair? Read Network garage vs non-network garage vs dealer repair
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
- A side-on photo of the vehicle showing the whole cage or cargo box
Our team will send you a written quote within a business day, showing the minimum sum insured for your vehicle's value and the premium for your type of cage, and will book 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
How can you tell a cage level with the cab roof from one higher than the cab roof?
Compare the height of the cage or cargo box with the cab roof. If you're not sure, send us a side-on photo of the vehicle and our team will check.
Is a steel cage damaged in an accident covered?
The steel frame is on the list of additional accessories covered up to THB 20,000, included in the sum insured.
Why does the vehicle need an inspection?
It is the insurer's condition before it accepts this plan. Our team will book an inspection date for you once you have agreed to the quote.
With a Nakhon Pathom registration, is the premium charged at the Bangkok or the provincial rate?
The Bangkok rate. This plan counts Nonthaburi, Pathum Thani, Samut Prakan, Samut Sakhon and Nakhon Pathom as Bangkok registrations.
Can I carry fuel or gas in the pickup?
No. The insurer does not accept vehicles carrying hazardous materials, fuel, acid or gas.
Who approves claims: Prakanthai.com or Chubb?
Underwriting and claim payments are decided by Chubb Samaggi Insurance. As your broker, Prakanthai.com helps coordinate and follows up on your case.
Notes
The coverage and premium information on this page is based on Chubb Samaggi Insurance Public Company Limited's product information for Class 1 network garage repair insurance for pickups with a cage or cargo box, as at 14 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.
Price: THB 16,500
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