Class 1 4-door pickup insurance Pick Up Sabai, from THB 13,500
- Updated: 15 October 2026
Class 1 4-door pickup insurance Pick Up Sabai, from THB 13,500
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Tokio Marine Safety Insurance (Thailand) Public Company Limited
Premiums from THB 13,500–23,000 per year, depending on the model, sum insured and car age. Tax and stamp duty included; compulsory motor insurance (CMI) not included
Highlights: Class 1 insurance for privately used 4-door pickups, accepting cars up to 15 years old, with the good-record and CCTV camera discounts already deducted from the premium
This 4-door pickup is used both for work and for family trips. Once the car is more than 5–6 years old, many insurers start to decline Class 1, or the premium rises until you have to think twice.
Tokio Marine Safety Insurance's PICK UP SABAI 4-door accepts 4-door pickups aged 2–15 years. The questions are: which models are accepted, what is the premium at each sum insured band, and what conditions make the insurer decline?
Class 1 4-door pickup insurance Pick Up Sabai: who is it for, and how much is the premium?
In short: Tokio Marine Safety Insurance's PICK UP SABAI Class 1 insurance for 4-door pickups suits owners of privately used 4-door pickups (code 110) aged 2–15 years, in models including the D-Max, Hilux Revo, Triton, Navara, BT-50, Ranger, MG Extender and Tata Xenon. It is garage repair and covers the car, theft and fire up to a sum insured of THB 200,000–1,000,000, with third-party property cover of THB 1,000,000. Premiums start from THB 13,500 per year (cars aged 11–15 years, sum insured THB 200,000–500,000, data as of 15 October 2026). The actual premium depends on the model, sum insured, car age and inspection result.
What does Pick Up Sabai 4-door cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Own damage | Up to the sum insured | As per the Class 1 policy conditions |
| 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 | 1,000,000 | – |
| Personal accident | 100,000 | As per the number of persons stated in the policy |
| Medical expenses | 100,000 | As per the number of persons stated in the policy |
| Driver bail bond (criminal cases) | 200,000 | – |
Optional or additional accessories are covered up to THB 20,000, including the cost of installing NGV or LPG gas, and you must give the insurer details of the equipment.
How much is the Pick Up Sabai 4-door premium?
Annual premiums, including VAT and stamp duty, excluding CMI. Data as at 15 October 2026
| Model and sum insured band (THB) | Car aged 2–10 years | Car aged 11–15 years |
|---|---|---|
| D-Max, Hilux / Revo, Triton, Navara / NP 300, BT-50, Ranger, MG Extender, Tata Xenon · sum insured 200,000–500,000 | 13,700 | 13,500 |
| Same models · sum insured 510,000–750,000 | 15,900 | 15,500 |
| Same models · sum insured 760,001–1,000,000 | 17,500 | Not in the table |
| Chevrolet Colorado (up to 5 years old) · sum insured 290,000–570,000 | 17,000 | Not in the table |
| Ford Ranger Raptor · sum insured 920,000–1,000,000 | 22,000 | Not in the table |
| Ford Ranger Raptor · sum insured 1,050,000–1,300,000 | 23,000 | Not in the table |
Every figure is a starting premium and already has the good-record discount, the CCTV camera discount and the Application me claim discount deducted. The sum insured must be 80–100% of the market price on the date of application. The actual premium depends on the model, sum insured, car age and inspection result. The insurer reserves the right to reconsider the premium if the car does not meet the conditions.
Worked example: a 4-door Hilux Revo, 8 years old, with a market price of THB 650,000
- The sum insured available is 80–100% of the market price, which is 650,000 × 80% = 520,000 to THB 650,000
- A sum insured in the range of THB 510,000–750,000 for a car aged 2–10 years has a premium of THB 15,900 per year
- Including CMI for code 110 at THB 645.21: 15,900 + 645.21 = THB 16,545.21
- If the sum insured could be lowered to the THB 200,000–500,000 band, the premium would be THB 13,700. But the sum insured must be at least 80% of the market price, which is THB 520,000, so it cannot be lowered.
This example is for illustration only. The market value of each car is set by the insurer, and our team will check it for you from the registration book.
Why is the premium lower for cars aged 11–15 years?
In this plan's premium table, a car aged 11–15 years pays THB 200–400 less than a car aged 2–10 years in the same sum insured band. But the sum insured available is tied to the market price, so an older car usually gets a lower sum insured too. Always look at the sum insured together with the premium.
Who is Pick Up Sabai 4-door for?
- Owners of privately used 4-door pickups over 10 years old who still want Class 1
- People who use the pickup as a family car and want THB 100,000 of medical expenses cover for those in the car
- Owners of cars fitted with NGV or LPG gas who want the installation cost covered
- People with a company-assigned car registered in a company's name that is not used for hire or rental
Who should not buy this plan yet?
- Lowered cars, lifted cars, modified cars and cars with an engine tune are not accepted by the insurer
- Cars fitted with carbon Kevlar, stickers, wraps, glass coating or gauges are on the list of cars not accepted
- Cars with damage over THB 8,000 at inspection must be repaired first before cover can be arranged
- Pickups used for hire or rental, and single-cab or cab pickups: see Class 1 insurance – full cover, great value
- Chevrolet Colorado over 5 years old: this plan accepts this model only up to 5 years old
Limits to check before you decide
- The car must be inspected in every case, and the damage must not exceed THB 8,000
- The sum insured must be 80–100% of the market price. Sums insured below THB 990,000 move in steps of THB 10,000, always rounded up.
- Additional accessories are covered up to THB 20,000, including gas installation, and must be declared to the insurer
- Cars aged 11–15 years with a sum insured over THB 750,000, the Colorado and the Raptor have no premium in the table
- The premium excludes CMI. CMI for code 110 is THB 645.21 including tax and duty
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 this pickup? 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 model, the car's age and the sum insured that can be arranged, then send you a written quote within a business day. 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
Can a 1-year-old car take this plan?
The premium table starts at cars aged 2 years. For a younger car, our team will find another plan for you.
Can I fit a roof rack or roll bar?
Equipment added after the factory should be declared to the insurer for consideration, and is covered up to THB 20,000 in total. The insurer does not accept lifted or modified cars.
Can a car with minor dents be insured?
Every car must be inspected. If the total damage does not exceed THB 8,000, it is still within the criteria.
Can a car registered in a company's name be insured?
Yes, if it is a company-assigned car, privately used under code 110, and not used for hire or rental.
Who approves claims: Prakanthai.com or Tokio Marine?
Underwriting and claim payments are decided by Tokio Marine Safety Insurance. As your broker, Prakanthai.com helps coordinate and follow up for you.
Notes
The coverage and premium information on this page is based on Tokio Marine Safety Insurance (Thailand) Public Company Limited's product information for Class 1 PICK UP SABAI 4-door car insurance as at 15 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 13,500
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