Class 1 insurance Khum Khrong Khum Kha, no vehicle inspection, from THB 9,000
- Updated: 15 October 2026
Class 1 insurance Khum Khrong Khum Kha, no vehicle inspection, from THB 9,000
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 9,000 per year, including tax and stamp duty
Highlights: Class 1 with one flat premium by vehicle group and car age, no vehicle inspection needed, for cars aged 2–10 years, with a sum insured of up to THB 1,000,000
Your saloon is eight years old and you've had Class 1 all along, but this year's premium is still almost what it was when the car was new. You could drop to Class 2+, but you worry about collisions with no other party involved, so you're looking for a Class 1 plan where the premium falls with the car's real age.
Class 1 insurance with premiums from around nine thousand baht: what does it cover, is there an excess, and which car models fall in which group?
Class 1 Khum Khrong Khum Kha: who is it for and how much is the premium?
In short: Bangkok Insurance's Class 1 Khum Khrong Khum Kha suits owners of private saloons or pickups of up to 7 seats, aged 2–10 years, who want Class 1 with a premium that falls with the car's age. It covers damage to the car, theft and fire up to a sum insured of up to THB 1,000,000, and third-party property damage of THB 2,500,000, with no vehicle inspection needed. There is an excess of THB 5,000 when you are at fault or there is no other party. Premiums start at THB 9,000 per year (data as at 15 October 2026). The actual premium depends on the vehicle group and the car's age.
What does Class 1 Khum Khrong Khum Kha cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Own damage | Up to the sum insured, maximum THB 1,000,000 per accident | Excess of THB 5,000 if you are at fault or there is no other party |
| Theft / fire | Up to the sum insured, maximum THB 1,000,000 | – |
| Third-party bodily injury or death | THB 1,000,000 per person | Up to THB 20,000,000 per accident in total |
| Third-party property | THB 2,500,000 per accident | – |
| Personal accident / medical expenses | 100,000 / 100,000 | 7 seats |
| Driver bail bond (criminal cases) | 300,000 | – |
| Terrorism | Up to the sum insured, maximum THB 1,000,000 | – |
The product information states that it covers collision, theft, fire and flood, with 24-hour on-site emergency assistance across Thailand, and no vehicle inspection is needed before the policy is taken out.
How much is the premium for Class 1 Khum Khrong Khum Kha?
Annual premiums, including tax and stamp duty, with the CCTV camera discount already included. Data as at 15 October 2026. Split into 3 vehicle groups
| Vehicle group / car age | Sum insured | Starting premium |
|---|---|---|
| Group A e.g. Accord, CR-V, Camry, Wish, Teana, MU-7 · age 2 years | 1,000,000 | 18,600 |
| Group A · age 3 / 4 years | 900,000 / 800,000 | 17,200 / 16,000 |
| Group A · age 5–6 / 7 years | 700,000 / 600,000 | 14,000 / 12,800 |
| Group A · age 8–9 / 10 years | 500,000 / 400,000 | 11,900 / 10,000 |
| Group B e.g. Civic, Altis, Innova, Fortuner, Escape, Mazda 3 · age 2 / 3 years | 700,000 / 600,000 | 14,000 / 12,800 |
| Group B · age 4–5 / 6–8 / 9–10 years | 500,000 / 400,000 / 300,000 | 11,900 / 10,000 / 9,600 |
| Group C e.g. City, Jazz, Avanza, Vios, Vigo, Tiida, Navara, Triton, D-Max, Ranger · age 2–4 years | 400,000 | 10,000 |
| Group C · age 5–7 / 8–10 years | 300,000 / 200,000 | 9,600 / 9,000 |
Every figure is a starting premium. The actual premium depends on the model, the car's age and the insurer's underwriting decision. The quote is what counts.
Worked example: you hit a post yourself, with a repair bill of THB 25,000
Say a Toyota Vios aged 6 years falls in Group C, with a sum insured of THB 300,000 and a premium of THB 9,600 per year (an average of THB 800 a month = 9,600 ÷ 12)
- You hit a post in a car park with no other party involved, and the repair costs THB 25,000
- You pay the excess of THB 5,000 yourself
- The insurer would consider paying 25,000 − 5,000 = THB 20,000
- If another car hits you from behind and the other party is at fault, the THB 5,000 excess does not apply.
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. The rule of thumb: the excess is paid when you are at fault or the other party cannot be found.
Who is Class 1 Khum Khrong Khum Kha for?
- Owners of private saloons or pickups of up to 7 seats, with a car aged 2–10 years
- People who drive carefully and can accept an excess of THB 5,000 in exchange for a lower premium
- People who want to renew Class 1 without booking a vehicle inspection
- Owners of popular Group C models such as the Vios, City and D-Max who want Class 1 for under ten thousand baht
Who should not buy this plan yet?
- People who don't want to pay an excess: this plan has an excess of THB 5,000 when you are at fault or there is no other party
- Cars under 2 years old or over 10 years old: see Viriyah Class 1 First Loss insurance, which accepts cars up to 20 years old
- Cars used for hire or rental: this plan accepts privately used cars only
- Cars worth more than the sum insured in the table: the sum insured is set by vehicle group and car age, up to THB 1,000,000
- People who want to choose their own sum insured based on the car's price: this plan sets a fixed sum insured by car age
Limits to check before you decide
- Excess of THB 5,000 if you are at fault or there is no other party
- The sum insured is set by the car's age, e.g. Group C aged 8–10 years has a sum insured of THB 200,000. If the car's market price is higher, the difference is not covered
- The car models listed under each group are examples only. The group actually used follows the insurer's own grouping
- The other party must be a land vehicle, driven by an engine or electric power, including trailers, trains and trams, to count as having another party
- The premiums in the table are voluntary motor insurance premiums. The quote will show CMI as a separate item
Want to understand the excess more clearly? Read Excess vs Deductible: what is the difference?
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 which group the car falls in and send you a written quote within a business day, with CMI if you want both together. 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 your car isn't in the list of examples, how do you know which group it is in?
Send us a photo of the registration book page and our team will check the vehicle group with the insurer. The models shown in the table are examples only.
Does the car need an inspection before the policy is taken out?
No. The product information states that no vehicle inspection is needed.
If the other party drives off after hitting you, do you have to pay the excess?
If the other party cannot be found, it counts as no other party, and you pay the THB 5,000 excess.
Can a car that is exactly 10 years old be insured?
Yes. This plan accepts cars aged 2–10 years. The premium and sum insured follow the 10-year row of the vehicle group.
Does the premium already include the dashcam discount?
Yes. The premiums in the table already include the discount for installing a CCTV camera.
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.
Notes
The coverage and premium information on this page is based on the product information for Class 1 car insurance Khum Khrong Khum Kha from Bangkok Insurance Public Company Limited 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 9,000
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