Class 1 insurance, no named driver, ages 35–45, from THB 14,200
- Updated: 15 October 2026
Class 1 insurance, no named driver, ages 35–45, from THB 14,200
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 14,200–18,200 per year, depending on the car's age, including tax and stamp duty, excluding compulsory motor insurance (CMI)
Highlights: Class 1 insurance for owners aged 35–45, with no need to name drivers, for group 5 saloons aged 1–10 years
You buy a Yaris for the family to share, and you and your spouse take turns driving it. With a named-driver policy, you would have to worry about who was driving when an accident happened.
Class 1 insurance with no named driver but priced on the owner's age: who is it for, how much does it cost and which cars qualify?
Class 1 Motor Gen X insurance: who is it for and how much is the premium?
In short: Bangkok Insurance's Class 1 Motor Gen X insurance suits insured persons aged 35–45 who own a group 5 saloon, such as a Vios, Yaris, City, Jazz, Almera or Swift, aged 1–10 years, with no need to name drivers. It covers the car, theft and fire up to a maximum sum insured of THB 700,000, and third-party property up to THB 2,500,000, with repair at a contracted garage. Premiums start from THB 14,200 per year for cars aged 6–10 years (as at 15 October 2026, excluding CMI). The actual premium depends on the car's age and the sum insured.
What does Class 1 Motor Gen X insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Own damage | Up to the sum insured, maximum 700,000 | Contracted garage repair |
| Theft / fire | Up to the sum insured, maximum 700,000 | – |
| 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 | 2,500,000 | – |
| Personal accident / medical expenses | 50,000 / 50,000 | 7 seats |
| Driver bail bond (criminal cases) | 250,000 | – |
| Terrorism | Up to the sum insured, maximum 700,000 | – |
| Additional accessories | Up to 20,000 | As listed in the policy, excluding stickers |
This plan includes 24-hour on-site emergency assistance anywhere in Thailand, and you do not need to name drivers
How much is the premium for Class 1 Motor Gen X insurance?
Annual premiums, including tax and stamp duty, excluding CMI, and including the CCTV camera discount. Data as at 15 October 2026
| Vehicle age | Sum insured (THB) | Starting premium (THB per year) |
|---|---|---|
| 1 year | 250,000–700,000 | 18,200 |
| 2–3 years | 200,000–650,000 | 16,500 |
| 4–5 years | 150,000–550,000 | 15,500 |
| 6–10 years | 150,000–450,000 | 14,200 |
Every figure is a starting premium. The sum insured depends on the car's value, and the actual premium depends on the car's age, the result of the vehicle inspection and the insurer's underwriting decision. The quote is what counts.
Worked example: born in 1987 and buying in 2026 – does the owner qualify?
- This plan counts age as the year of purchase − year of birth + 1
- 2026 − 1987 + 1 = 40 years, within the 35–45 range, so the owner qualifies
- If a Vios is 4 years old and the premium is THB 15,500 per year, that averages THB 15,500 ÷ 12 = about THB 1,292 per month
- If the owner was born in 1979: 2026 − 1979 + 1 = 48 years, which is over the 45-year limit, so the owner does not qualify for this plan
This example is for illustration only. Actual underwriting depends on the insurer's decision. The rule of thumb: the age that counts is the age of the insured person, not of the driver on the day of the accident.
Who is Class 1 Motor Gen X insurance for?
- Owners aged 35–45 whose car is shared by several people in the family
- Owners of group 5 saloons, such as the Toyota Vios, Yaris, Avanza, Honda City, Jazz, Brio, Nissan Almera, March, Suzuki Swift, MG3 and MG5
- Privately used cars aged 1–10 years, up to 7 seats
- People who want third-party property cover as high as THB 2,500,000
Who should not buy this plan yet?
- Insured persons under 35 or over 45: this plan is designed for this age range only. See Class 1 insurance – full cover, great value, which sets no age limit for the insured
- Chevrolet cars and cars outside group 5: this plan does not accept them
- Cars used for hire or rental
- Cars over 10 years old
- People who cannot arrange a vehicle inspection: this plan requires the vehicle to be inspected before cover is accepted
Limits to check before you decide
- The insured must be aged 35–45, counted as year of purchase − year of birth + 1
- The vehicle must be inspected before cover is accepted
- Group 5 saloons only, excluding Chevrolet, aged 1–10 years
- Additional accessories up to THB 20,000 must be listed in the policy; stickers are not included
- Personal accident and medical expenses of THB 50,000 per person, lower than some Class 1 plans
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
- A photo of the registration book's front page
- The front page of your current policy
Our team will check the car group and the insured's age, and send you a written quote within a business day, together with an appointment for 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
Do I need to name the driver?
No. This plan does not require a named driver. You use the insured's national ID card and a document showing ownership of the car.
If my 20-year-old child is driving at the time of an accident, is it covered?
This plan does not name drivers. The age condition applies to the insured person. Claims are assessed under the policy conditions.
Can a 2022 Honda City be insured?
The City is among the example cars in group 5. If the car is no more than 10 years old and the insured is aged 35–45, send the registration book to our team and we will check.
Does the premium include CMI?
No. The premiums in the table include tax, stamp duty and the CCTV camera discount, but exclude CMI.
Are added alloy wheels covered?
Additional accessories are covered as listed in the policy, up to THB 20,000. You should list them when you buy the policy.
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 Bangkok Insurance Public Company Limited's product information for Class 1 Motor Gen X 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 14,200
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