Bangkok Insurance Class 2+ insurance with flood cover, for cars aged 2–20 years, from THB 7,300
- Updated: 26 October 2026
Bangkok Insurance Class 2+ insurance with flood cover, for cars aged 2–20 years, from THB 7,300
Premium data as of 26 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 7,300–13,500 per year, depending on the sum insured you choose, including stamp duty and tax
Highlights: a 2+ plan that adds flood and natural disaster cover (four perils) of THB 100,000 per accident, which a standard 2+ usually lacks
Heavy rain falls all night, and you wake up to floodwater up to the car doors in the car park. The 2+ insurance you have only covers collisions with other vehicles, theft and fire, so you have to pay for all the flood repairs yourself.
If you want 2+ insurance that also covers flood, how much will this plan cost, and what is still not covered?
Bangkok Insurance 2+ insurance with flood cover: who is it for and how much does it cost?
In short: Bangkok Insurance's 2+ insurance with flood cover suits owners of privately used saloons or pickups, with the car aged 2–20 years, who want more than a standard 2+. It covers the car in a collision with a land vehicle where the other party can be identified, plus theft and fire, up to a sum insured of THB 100,000–700,000, and adds flood and natural disaster cover (four perils) of THB 100,000 per accident, total loss from overturning of THB 100,000 and windscreen cover of THB 10,000. Premiums start at THB 7,300 per year (sum insured THB 100,000, data as at 26 October 2026). The actual premium depends on the sum insured, the car model and whether a dashcam is fitted.
What does Bangkok Insurance 2+ insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Damage to the car from a collision with a land vehicle | Up to the sum insured of 100,000–700,000 | The other party must be identified |
| Theft / fire | Up to the sum insured of 100,000–700,000 | – |
| Natural disasters, four perils: flood, earthquake, hail, windstorm | 100,000 per accident | Not equal to the sum insured |
| Overturning / running off the road | 100,000 for the whole period of insurance | Total loss only |
| Windscreen | 10,000 per accident and for the whole period of insurance | From an accident other than a collision |
| Terrorism | Up to the sum insured, maximum 700,000 | – |
| Third-party bodily injury or death | 1,000,000 per person Up to 10,000,000 per accident in total | – |
| Third-party property | 1,000,000 | – |
| Personal accident | 200,000 | Saloon 7 persons / pickup 3 persons |
| Medical expenses | 200,000 | Saloon 7 persons / pickup 3 persons |
| Driver bail bond (criminal cases) | 250,000 | – |
It also includes on-site emergency assistance 24 hours a day throughout Thailand, with repairs at Bangkok Insurance's standard repair centres, and no vehicle inspection is needed before you take out cover.
Roughly how much is the premium for 2+ insurance with flood cover?
Annual premiums, including stamp duty and tax, excluding CMI. Data as at 26 October 2026
| Vehicle sum insured | Natural perils | Starting premium (THB per year) |
|---|---|---|
| THB 100,000 | THB 100,000 | 7,300 |
| THB 200,000 | THB 100,000 | 8,300 |
| THB 300,000 | THB 100,000 | 9,300 |
| THB 400,000 | THB 100,000 | 10,500 |
| THB 500,000 | THB 100,000 | 11,500 |
| THB 600,000 | THB 100,000 | 12,500 |
| THB 700,000 | THB 100,000 | 13,500 |
Every figure is a starting premium and already includes the discount for fitting a dashcam (CCTV). Tell us whether the car has a camera when you ask for a quote. The actual premium depends on the sum insured, the car model and the insurer's assessment. The amount you actually pay is the one on your quote.
A worked example to illustrate
For a car worth THB 500,000, what sum insured can you choose?
The sum insured must not exceed 80% of the car's value on the date cover is taken out
500,000 × 80% = maximum sum insured THB 400,000. Premium from THB 10,500 per year
If flood repairs cost THB 150,000, how much do you get?
This plan pays up to THB 100,000 per accident for natural disasters, even if the sum insured is THB 400,000
150,000 − 100,000 = THB 50,000 that the car owner pays (hypothetical figures)
How much more do you pay for a higher sum insured?
As a rule of thumb, each extra THB 100,000 of sum insured adds THB 1,000 to the premium, except from THB 300,000 to THB 400,000, which adds 10,500 − 9,300 = THB 1,200
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment.
Who is Bangkok Insurance 2+ insurance for?
- Owners of privately used saloons (up to 7 seats) or pickups (carrying up to 3 tonnes, 3 seats), with a car aged 2–20 years
- People who park in flood-prone areas, or outdoors where they face windstorms and hail
- People who drive long distances or in other provinces and want cover for overturning or running off the road
- People who want a third-party limit of THB 1,000,000 per person and medical expenses of THB 200,000, higher than some 2+ plans
- People who do not want to book a vehicle inspection before taking out cover
Who should not buy this plan yet?
High-value cars where flood is the main concern
The natural disaster limit of THB 100,000 per accident is not the same as the sum insured. If the whole car is submerged, you pay anything above THB 100,000 yourself. Compare Class 1 insurance, which covers flood up to the sum insured.
People who drive in narrow lanes or park in buildings with many pillars
If you hit a pillar, a wall or another object with no other vehicle involved, the car is not covered. Compare Viriyah Class 1 First Loss insurance, which covers collisions with no other party.
Cars used for hire or rental, or cars driven for Grab / Bolt
This plan does not accept cars used for hire or rental. If you drive through an app, see Class 1 RY.18 insurance for Grab/Bolt cars
Cars over 20 years old
This plan accepts cars aged 2–20 years. For an older car, see Muang Thai 2+ rollover insurance, which accepts cars up to 25 years old
Cars with added accessories
Only equipment fitted to the car at the factory is covered. Alloy wheels, sound systems and other accessories added later are not covered.
What limitations should you check before deciding?
- The car is covered only in a collision with a land vehicle where the other party can be identified. A land vehicle means a vehicle driven by an engine or electricity, including trailers, trains and trams. If the other party drives off or you hit another object, the car is not covered.
- Natural disasters are paid up to THB 100,000 per accident at every sum insured, whether you choose THB 100,000 or THB 700,000
- Overturning is paid as total loss only, meaning the car cannot be repaired to its original condition or the damage is at least 70% of the car's value at the time of the accident. The THB 100,000 limit applies in total for the whole period of insurance. If the car overturns but can still be repaired, this part does not pay.
- Windscreen cover is THB 10,000 per accident, and it is also a combined limit for the whole year. It covers the front, left, right and rear glass broken by flying stones or falling branches, but not foldable wing mirrors, sunroof glass or window film.
- The sum insured must not exceed 80% of the car's value. If the car is stolen or burnt, you get the sum insured, not the price you paid for the car.
- Premiums do not yet include CMI, and the figures in the table already include the dashcam discount
If your car has already been hit by flooding, see the steps and claim phone numbers in Where to file a flood claim? Insurer phone numbers and car-lifting services for floods, 2026
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 whether your car model meets the conditions, then send you a written quote within a business day, showing the sum insured available, the premium incl. tax and duty, and 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
If the whole car is submerged, does this plan pay the full sum insured?
No, not the full sum insured. Flood is paid up to THB 100,000 per accident, while the sum insured applies to collisions with vehicles, theft and fire. You can read how to file a flood claim in Can you claim car insurance for a flooded car?
Do I have to take the car for an inspection?
No. This plan needs no vehicle inspection before you take out cover.
Can I get this plan if I have no dashcam?
Yes, but the premiums in the table already include the discount for fitting a camera. For a car without a camera, the actual amount is shown on your quote.
Where is the car repaired? Can I choose dealer repair?
This plan repairs at Bangkok Insurance's standard repair centres. If you are not sure which option suits you, read Network garage vs non-network garage vs dealer repair: which should you choose?
Can an EV get this plan?
The list of models in the product document does not include electric cars. If you have an EV, see Viriyah EV 2+ insurance with dealer repair
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 Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance, including whether the car is a total loss. Prakanthai.com, as your broker, helps coordinate and follow 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 2+ car insurance, checked as at 26 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.
Price: THB 7,300
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