2+ Chubb X-Treme 2 insurance: travel expenses THB 3,000 per accident, from THB 7,200
- Published: 12 October 2026
2+ Chubb X-Treme 2 insurance: travel expenses THB 3,000 per accident, from THB 7,200
Premium data as of 12 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 7,200–9,600 per year, depending on the sum insured, the area where the car is used and whether it is an Asian or European make. Tax and stamp duty included.
Highlight: a 2+ plan that pays THB 3,000 in travel expenses each time your car goes into the garage and you are not at fault, plus THB 50,000 of flood cover
You are driving carefully when a motorbike or another car clips you, and your car has to spend several days in the garage. Even though the other party is at fault, while you have no car you still have to pay for taxis and other travel yourself first.
How does a 2+ plan that pays higher travel expenses when you are not at fault differ from Chubb's other plans, and how much more does it cost?
2+ Chubb X-Treme 2 insurance: who is it for, and how much is the premium?
In short: Chubb Samaggi Insurance's 2+ Chubb X-Treme 2 insurance suits people who use their car every day and want travel expenses of THB 3,000 each time the car is in the garage and they are not at fault. It covers the car in a collision with a vehicle where the other party can be identified, plus theft and fire, up to a sum insured of THB 100,000–300,000, flood up to THB 50,000, and income compensation of THB 1,800 per day. Premiums from THB 7,200 per year for an Asian make used in other provinces with a THB 100,000 sum insured (as at 12 October 2026). The actual premium depends on the sum insured, the area where the car is used and the make.
What does 2+ Chubb X-Treme 2 insurance cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Damage to the car from a collision with a land vehicle | Up to the sum insured | The other party must be identified |
| Flood damage to the car | THB 50,000 | – |
| 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 200,000 / THB 200,000 | Saloon: 7 persons · pickup: 3 persons |
| Driver bail bond (criminal cases) | THB 300,000 | – |
| Income compensation during a hospital stay | THB 1,800 per day | Injury in a car accident |
| Travel costs while the car is in the garage | Not at fault: THB 3,000 per accident At fault: THB 1,000 per accident | Up to 3 times per year |
| Theft of personal belongings in the car | THB 20,000 per year | – |
| Emergency roadside assistance | Gold level, 24 hours | – |
Roughly how much is the 2+ Chubb X-Treme 2 premium?
Annual premiums, including tax and stamp duty. Data as at 12 October 2026
| Make / sum insured | Bangkok* | Other provinces |
|---|---|---|
| Asian make, sum insured 100,000 | 7,600 | 7,200 |
| Asian make, sum insured 200,000 | 8,400 | 8,000 |
| Asian make, sum insured 300,000 | 9,200 | 8,800 |
| European make, sum insured 100,000 | 8,000 | 7,600 |
| European make, sum insured 200,000 | 8,800 | 8,400 |
| European make, sum insured 300,000 | 9,600 | 9,200 |
*In this plan, Bangkok includes Nakhon Pathom, Nonthaburi, Pathum Thani, Samut Prakan and Samut Sakhon. Every figure is a starting premium. The actual premium depends on the sum insured, where the car is used, the make and the insurer's underwriting decision. The quote is what counts.
Worked example: when is paying THB 400 more than for X-Treme 1 worth it?
Suppose an Asian-make car in Bangkok with a sum insured of THB 200,000
- X-Treme 2 premium THB 8,400 · X-Treme 1 premium THB 8,000: a difference of THB 400 per year
- If the car goes into the garage once that year and you are not at fault, X-Treme 2 pays THB 3,000 and X-Treme 1 pays THB 1,000: THB 2,000 more
- If you are not at fault all 3 times, X-Treme 2 pays 3,000 × 3 = THB 9,000, compared with THB 3,000
- If you have no not-at-fault case all year, the THB 400 difference goes unused
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. The rule of thumb: a single not-at-fault case gets you back more than the premium difference.
Who is 2+ Chubb X-Treme 2 insurance for?
- People who drive in the city every day and are often at risk of being clipped or hit by other vehicles
- People who need their car for work and have to find another car or other transport when it goes into the garage
- Owners of Asian or European cars up to 25 years old who want a 2+ plan that includes flood cover
- People who want income compensation if they are injured and admitted to hospital
Who should not buy this plan yet?
- People who rarely drive and seldom have their car in the garage: the THB 400 extra over X-Treme 1 may go unused.
- People who want a flood limit higher than THB 50,000
- People who want the cheapest 2+: see 2+ Chubb Eco insurance
- Cars used for hire or rental: this plan accepts privately used cars only
- Supercars, customised, lowered, raised or modified cars, or cars over 25 years old
Limits to check before you decide
- The THB 3,000 travel expenses are paid only when you are not at fault. If you are at fault you get THB 1,000, up to 3 times per year in total.
- Damage to the car from a collision is covered only when you collide with a land vehicle and the other party can be identified
- Flood cover is up to THB 50,000
- Special materials are not covered, such as refrigeration units, special paint, Kevlar, stickers and paint coatings of any kind
- Six-wheel trucks, tow trucks, trailers and songthaews are not accepted
Want to know more about loss-of-use compensation? Read Claiming loss-of-use compensation
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 send you a written quote within a business day, showing the X-Treme 2 premium next to X-Treme 1, plus 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
How do the THB 3,000 travel expenses differ from the loss-of-use compensation you claim from the other party?
The travel expenses are a benefit Chubb pays under your own policy, while loss-of-use compensation is a legal right you claim from the party at fault or the other party's insurer.
Do you get travel expenses if you are at fault?
Yes, THB 1,000 each time, up to 3 times per year in total, counting not-at-fault cases too.
How is X-Treme 2 different from X-Treme 1?
The main cover is the same. The difference is the travel expenses when you are not at fault: X-Treme 2 pays THB 3,000 and X-Treme 1 pays THB 1,000. The premiums differ by THB 400 in every cell.
Can a European car be insured?
Yes. The premium for a European car is THB 400 higher than for an Asian car in every cell of the table.
If the whole car is flooded, does it pay the full sum insured?
No. Flood damage to the car has a separate limit of up to THB 50,000.
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 product information for New 2+ X-Treme 2 from Chubb Samaggi Insurance Public Company Limited as at 12 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 7,200
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