Aioi Bangkok 2+ insurance for saloons and pickups aged 2–20 years, from THB 5,100

Premium data as of 28 October 2026 · compiled by Prakanthai.com

Underwritten by Aioi Bangkok Insurance Public Company Limited
Premiums from THB 5,100–10,200 per year, depending on the sum insured and vehicle type
Highlights: covers theft and fire up to the sum insured, with a premium about THB 500 higher than the same insurer's 3+ plan at a THB 100,000 sum insured

You park outside your house or in the soi every night and took a 3+ because the premium was cheap. But when there is news of cars being stolen in your neighbourhood, you start to wonder whether paying a little more for theft cover is worth it.

Aioi Bangkok's 2+ insurance adds theft and fire to the 3+ plan, with the conditions on sum insured and car age unchanged. Check this carefully before you choose.

Aioi Bangkok 2+ insurance: who is it for and how much does it cost?

In short: Aioi Bangkok 2+ insurance suits owners of privately used saloons or pickups aged 2–20 years who want cover for the car in a collision with a vehicle where the other party can be identified, plus theft and fire, with a sum insured of THB 100,000–500,000 and third-party liability. Premiums start at THB 5,100 per year (saloon, sum insured THB 100,000, data as at 28 October 2026, CMI not yet included). The actual premium depends on the vehicle type, the car's age and the sum insured you choose.

What does Aioi Bangkok 2+ insurance cover?

Roughly how much is the premium for Aioi Bangkok 2+ insurance?

Annual premiums, excluding CMI. Data as at 28 October 2026

Every figure is a starting premium. "–" means that sum insured is not offered for pickups. The premiums in the table already include the camera discount, the app discount and the named-driver discount. The actual premium depends on the vehicle type, the car's age and the sum insured you choose. The amount you actually pay is the one on your quote.

CMI bought separately: saloon THB 645.21 · pickup THB 967.28

A worked example to illustrate

How much difference is there between Aioi Bangkok 2+ and 3+?
Saloon with a THB 100,000 sum insured: 2+ from THB 5,100 · 3+ from THB 4,599
5,100 − 4,599 = THB 501 more per year for theft and fire cover up to a sum insured of THB 100,000

Saloon with a THB 300,000 sum insured, bought together with CMI
6,800 + 645.21 = THB 7,445.21 per year (this sum insured accepts only cars up to 10 years old)

As a rule of thumb, if you regularly park away from home, a gap of a few hundred baht between 3+ and 2+ is usually worth paying

Who is Aioi Bangkok 2+ insurance for?

• Owners of privately used saloons (code 110) or pickups (code 320), with a car aged 2–20 years
• People who regularly park away from home, in the soi or in public car parks
• People who have had a 3+ and want to add theft and fire cover without the premium rising much
• People who are willing to name the drivers and fit a camera to get this premium rate

Who should not buy this plan yet?

People who drive or park in tight spaces, with a risk of hitting a post or a wall
2+ covers the car only in a collision with a vehicle where there is another party. Compare Viriyah Class 1 First Loss insurance, which covers collisions with no other party.

People who drive long distances and worry about overturning
This plan does not specify overturning cover. See Muang Thai 2+ rollover insurance

Electric cars, imported cars or group 1–2 cars
This plan does not accept them. If you have an EV, see Viriyah EV 2+ insurance with dealer repair

Cars used for hire, rental cars, sports cars or customised cars
This plan does not accept vehicles for hire, public hire vehicles, rental vehicles, sports cars, modified vehicles or tuned cars. If you drive for Grab or Bolt, see Class 1 RY.18 insurance for Grab/Bolt cars

Pickups fitted with a refrigeration unit, hydraulics or a crane
This plan accepts only cars with no special added equipment

What limitations should you check before deciding?

1) The sums insured you can choose are tied to car age
A sum insured of THB 100,000 accepts cars aged 2–20 years · a sum insured of up to THB 200,000 accepts cars aged 2–15 years · a sum insured of up to THB 500,000 accepts cars aged 2–10 years

2) Theft or fire pays no more than the sum insured you choose
If the car is worth more than the sum insured, the part above the sum insured is not reimbursed, for example a 16-year-old car that can only choose a THB 100,000 sum insured

3) It must be a collision with a land vehicle where the other party is identified
If the other party drives off after hitting you, or you hit an object yourself, the car is not covered

4) Fixed premium rates; no good-record discount on renewal
Even if you never claim, next year's premium will not come down through a good-record discount

5) The premium excludes compulsory motor insurance (CMI)
See your quote for the actual total before you pay.

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 whether your car is in an accepted group and what sum insured you can choose for its age, then send a written quote back within a business day, showing the total premium, the repair conditions and compulsory motor insurance (CMI) if you want it at the same time. 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

I have an Aioi 3+ now. If I want to switch to 2+, do I have to wait until the year ends?

Send the schedule page of your current policy to our team to check first. Whether you can change plan mid-year or have to wait until renewal depends on the insurer's conditions.

If the car is stolen, what should I do before filing a claim?

Report it to the local police, then tell the insurer or our team as soon as possible. Keep the registration book and every key to the car. The documents you actually need are those the insurer tells you.

If I never claim, will the premium go down next year?

This plan has fixed premium rates, with no good-record discount on renewal

I have a Toyota and want dealer repair. Which 2+ plans are there?

Aioi Bangkok has a separate 2+ insurance with dealer repair for Toyota cars, which accepts cars up to 10 years old and has a higher premium than this plan

Can I get compulsory motor insurance (CMI) at the same time?

Yes. Mention it when you ask for a quote. If you want to check that the cover dates line up with your tax renewal first, read New CMI rules from 1 September 2026: match your cover dates to your vehicle tax

Who approves claims: Prakanthai.com or Aioi Bangkok?

Underwriting and claim payments are decided by Aioi 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 Aioi Bangkok Insurance Public Company Limited's product information for Class 2+ car insurance as at 28 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. Please read the policy and the quote in full before deciding.