Bangkok Insurance Class 2+ insurance with flood cover, from THB 8,999
- Updated: 15 October 2026
Bangkok Insurance Class 2+ insurance with flood cover, from THB 8,999
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 8,999–17,900 per year, depending on the sum insured
Highlights: Class 2+ insurance with cover for 4 natural perils, including flood, up to THB 100,000, and a choice of sum insured up to THB 1,000,000
Every time there is heavy rain, water stands on the road outside the house and you wonder whether the car will survive. Most standard 2+ insurance does not cover flood, but moving up to Class 1 raises the premium a great deal more.
How much flood cover does this Bangkok Insurance 2+ insurance give, how much does it cost, and which car models can be insured?
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 saloons and pickups aged 2–7 years in vehicle groups 3–5 (except Honda and Chevrolet). It covers the car in a collision with a land vehicle where the other party is identified, theft and fire up to the sum insured, and 4 natural perils up to THB 100,000. Premiums from THB 8,999 per year at a sum insured of THB 100,000 (as at 15 October 2026). The actual premium depends on the sum insured and the car's model.
What does Bangkok Insurance 2+ insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Own damage | Up to the sum insured | Collision with a land vehicle where the other party is identified |
| Theft / fire | Up to the sum insured | – |
| 4 natural perils | 100,000 | Flood, earthquake, hail, windstorm |
| 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 | 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 | – |
| Terrorism | Up to the sum insured | – |
This plan includes on-site emergency assistance 24 hours a day throughout Thailand, repairs at Bangkok Insurance's standard repair centres, and covers only accessories fitted to the car by the manufacturer.
How much does Bangkok Insurance 2+ insurance cost?
Annual premiums. Saloons and pickups use the same rate. Data as at 15 October 2026
| Sum insured (THB) | Starting premium (THB per year) | Sum insured / starting premium |
|---|---|---|
| 100,000 | 8,999 | 600,000 / 13,900 |
| 200,000 | 9,800 | 700,000 / 14,900 |
| 300,000 | 10,600 | 800,000 / 15,900 |
| 400,000 | 11,900 | 900,000 / 16,900 |
| 500,000 | 12,900 | 1,000,000 / 17,900 |
Every figure is a starting premium. The actual premium depends on the sum insured, the car's model and age, and the insurer's underwriting decision. The total including tax, duty and CMI is as stated in the quote.
Worked example: a saloon with a sum insured of THB 400,000 and flood damage of THB 150,000
- Premium for a sum insured of THB 400,000 = THB 11,900 per year, about THB 992 a month on average (11,900 ÷ 12)
- The cover for 4 natural perils has a limit of THB 100,000, separate from the car's sum insured
- If the flood repair costs THB 150,000, the part above the limit, 150,000 − 100,000 = THB 50,000, is paid by you
- If the repair costs THB 80,000, it is within the THB 100,000 limit
This example is for illustration only. The amount actually paid depends on the damage assessment and the policy conditions.
Who is Bangkok Insurance 2+ insurance for?
- People who live in or often drive through areas where water stands, and want flood cover in their 2+
- Owners of saloons or pickups aged 2–7 years in vehicle groups 3–5
- People who want a third-party life limit of THB 1,000,000 per person and medical expenses of THB 200,000
- Owners of high-value cars who want a 2+ with a sum insured of up to THB 1,000,000
Who should not buy this plan yet?
- Owners of Honda and Chevrolet cars: this plan does not accept them
- Red-plate cars, cars under 2 years old and cars over 7 years old: this plan accepts cars aged 2–7 years
- People who want cover when they crash on their own or cannot identify the other party: the car is covered only in a collision with a land vehicle where the other party is identified. See Class 1 insurance – full cover, great value to compare
- Cars used for hire or rental
- Cars with expensive additional accessories: this plan covers only accessories fitted at the factory
Limits to check before you decide
- The 4 natural perils have a limit of THB 100,000, even if the car's sum insured is as high as THB 1,000,000
- The car is covered only in a collision with a land vehicle where the other party is identified
- Accepts only vehicle groups 3, 4 and 5, except Honda and Chevrolet, with cars aged 2–7 years
- Pickups must carry no more than 3 tonnes, and personal accident cover is for 3 people
- Additional accessories are not covered, other than those fitted at the factory
Before you report a flood claim, read Flood-damaged car: can you claim on your insurance? How to file a claim
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 vehicle group, the car's age and the sum insured available, then send you a written quote within a business day. 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
Related documents and links: Find Bangkok Insurance network garages and service centres · BKI Roadside emergency assistance · Fill in your details to request a quote
Frequently asked questions
If my car is parked outside the house and gets flooded, can I claim?
Flood is covered under the 4 natural perils, up to THB 100,000. Payment is subject to the policy conditions and the result of the damage inspection.
Can a Honda City be insured?
No. This plan does not accept Honda and Chevrolet cars.
Can a car that was only released this year be insured?
This plan accepts cars aged 2–7 years. For a car under 2 years old, send your registration book to our team and we will find another plan for you.
Can I choose the sum insured myself?
You can choose from THB 100,000–1,000,000, but the sum insured actually available depends on the car's value and the insurer's assessment.
How many people are covered in a pickup?
Personal accident and medical expenses cover is for 3 people in a pickup and 7 people in a saloon
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 2+ 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 8,999
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