Class 1 insurance for eco cars, MSIG Eco Easy, from THB 15,900 per year

Premium data as of 15 October 2026 · compiled by Prakanthai.com

Underwritten by MSIG Insurance (Thailand) Public Company Limited
Premiums from THB 15,900 per year at every sum insured of THB 100,000–550,000. Tax and stamp duty included; compulsory motor insurance (CMI) not included
Highlights: Class 1 insurance for small saloons and eco cars, the same premium at every sum insured, with third-party property cover of THB 5,000,000

You have driven a Vios or City for years. The car's value falls every year, but some providers' Class 1 premiums still rise with the sum insured you choose, so you're not sure whether to lower the sum insured to save money or keep it for peace of mind.

MSIG's ECO EASY sets a single premium across the whole sum insured range of THB 100,000–550,000. The questions are: which models qualify, what does it cover, and how do you choose a sum insured that is worth the premium you pay?

Class 1 insurance for eco cars, MSIG Eco Easy: who is it for, and how much is the premium?

In short: MSIG's ECO EASY Class 1 insurance for eco cars suits owners of small privately used saloons such as the Honda City and Jazz, Toyota Vios and Yaris, Nissan Almera, Suzuki Swift and Mitsubishi Attrage. It is garage repair and covers the car, theft and fire up to a sum insured of THB 100,000–550,000, with third-party property cover of THB 5,000,000. Premiums start from THB 15,900 per year, the same at every sum insured (as of 15 October 2026). The actual premium depends on the model, the inspection result and the insurer's assessment.

What does Eco Easy Class 1 cover?

The premium already includes the extension of cover to terrorism. Accessories are covered up to THB 20,000, there is MSIG Roadside Assistance emergency service, and the battery and tyres are covered without depreciation deduction, subject to the insurer's 100% sure conditions.

How much is the Eco Easy Class 1 premium?

Annual premiums, including tax and stamp duty, excluding CMI. Data as at 15 October 2026

Every figure is a starting premium and already has the CCTV camera discount deducted. The sum insured must be at least 80% of the market price on the date of application. The actual premium depends on the model, the inspection result and the insurer's underwriting decision.

Worked example: Yaris with a market price of THB 420,000

• Minimum sum insured 420,000 × 80% = THB 336,000, so the sum insured you can choose is between THB 336,000 and THB 420,000
• The premium is the same at every sum insured in this range: THB 15,900 per year. Choosing a sum insured of THB 420,000 costs nothing extra.
• A full sum insured of THB 420,000 compared with the minimum of THB 336,000 differs by 420,000 − 336,000 = THB 84,000, which is the extra you would receive if the car were stolen or burnt out
• Average premium 15,900 ÷ 12 = about THB 1,325 per month

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.

One premium for every sum insured: who benefits?

Someone whose car is still worth close to THB 550,000 gets a high sum insured for the same premium as someone whose car is worth little. For a car whose market price has fallen below THB 200,000, you should also ask for quotes on other plans to compare, because a premium of THB 15,900 may be high relative to the sum insured you get.

Who is Eco Easy Class 1 for?

• Owners of small saloons or eco cars of a listed model, for private use
• People who drive in a city with many expensive cars and want third-party property cover of THB 5,000,000
• People who want a sum insured equal to the full market price without paying a higher premium
• People who want roadside emergency assistance and battery and tyre cover

Who should not buy this plan yet?

• Models not on the list, such as the Civic, Altis and Mazda 2: this plan has no premium for them. See Class 1 insurance – full cover, great value
• Cars with a market price well over THB 550,000: the plan's maximum sum insured is THB 550,000
• Cars with a very low market price: a premium of THB 15,900 may not be worth the sum insured you get
• People who want dealer repair: this plan is garage repair
• Cars that fail the inspection: the insurer reserves the right to decide after the inspection

Limits to check before you decide

1. Only models on the list from Honda, Mitsubishi, Nissan, Toyota and Suzuki are accepted
2. The sum insured must be at least 80% of the market price and no more than THB 550,000
3. Accessories are covered up to THB 20,000
4. The car must be inspected, and acceptance depends on the result
5. Premiums exclude compulsory motor insurance (CMI). See the quote for the total

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 and the market price, advise on the sum insured that can be arranged, and 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 Toyota Yaris ATIV be insured?

The list names the Toyota Yaris. Send the registration book to our team, who will check with the insurer whether your car's sub-model qualifies.

Does the THB 15,900 premium include CMI?

No. The premium includes tax and stamp duty, but CMI is charged separately. The total follows the quote.

If I get a puncture on the road, can I call for help?

There is MSIG Roadside Assistance service, subject to the insurer's conditions. Our team can send you the service details together with the quote.

If I choose a lower sum insured, does the premium go down?

No. The premium of THB 15,900 is the same at every sum insured from THB 100,000 to THB 550,000.

Who approves claims: Prakanthai.com or MSIG?

Underwriting and claim payments are decided by MSIG Insurance. As your 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 MSIG Insurance (Thailand) Public Company Limited's product information for Class 1 ECO EASY 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.