Chubb Pickup SME Class 2+ pickup insurance, from THB 9,300 per year

Premium data as of 15 October 2026 · compiled by Prakanthai.com

Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 9,300–12,800 per year, depending on the sum insured and plan
Key feature: Class 2+ insurance for code 320 pickups, with a fixed premium for both new and renewal policies and a choice of whether to have a THB 2,000 excess

This pickup works every day, delivering goods, hauling materials and going to work sites. Class 1 is too expensive for a car that is several years old, but Class 3 doesn't give peace of mind either, because if it is hit or stolen you pay everything yourself.

Chubb Samaggi Insurance's Class 2+ Pickup SME pickup insurance is made specifically for pickups used to earn a living. The questions are how Plan 1 and Plan 2 differ, how much the premium is, and which pickups the insurer does not accept.

Chubb Pickup SME Class 2+ pickup insurance: who is it for, and how much is the premium?

In short: Chubb Samaggi Insurance's Class 2+ Pickup SME pickup insurance suits owners of pickups weighing up to 4 tonnes (code 320) and worth up to THB 2,000,000. It covers the car in a collision with a land vehicle where the other party can be identified, plus theft and fire, with a sum insured of THB 100,000–300,000, and third-party property up to THB 1,000,000. Premiums start from THB 9,300 per year (Plan 2, sum insured THB 100,000, information as at 15 October 2026). The actual premium depends on the sum insured, the plan you choose and the insurer's decision.

What does Class 2+ Pickup SME pickup insurance cover?

Standard accessories fitted by the factory or the dealer are covered up to the full limit. Accessories added afterwards, such as alloy wheels, audio systems, dash cams, spoilers, window tint film and steel cargo racks, are covered up to THB 20,000 in total. Both are included in the sum insured and are not added on top.

How much is the premium for Class 2+ Pickup SME pickup insurance?

Annual premiums. Data as at 15 October 2026

Every figure is a starting premium. This premium is fixed and applies to both new and renewal policies. The car's value on the day you take out the policy must be no less than the sum insured you choose. The actual premium depends on the sum insured, the plan and the insurer's underwriting decision. The total including tax, duty and CMI is as stated in the quote.

Worked example: Plan 1 or Plan 2, which is better value at a sum insured of THB 200,000

• Plan 1 costs THB 11,800 per year and Plan 2 costs THB 10,300 per year, a difference of 11,800 − 10,300 = THB 1,500 per year
• If you have no at-fault claim all year, Plan 2 saves you THB 1,500
• If you have one at-fault claim for the car, Plan 2 charges a THB 2,000 excess, so you pay 2,000 − 1,500 = THB 500 more than Plan 1 overall
• If you are at fault twice, Plan 2 charges THB 4,000 in excess, which is 4,000 − 1,500 = THB 2,500 more than Plan 1

This example is for illustration only. If you are not at fault, this excess doesn't apply, because the conditions specify it for at-fault cases only.

Which plan should you choose?

If you have an experienced regular driver and the car runs the same route every day, Plan 2 can cut the premium by THB 1,500 a year. But if several people drive the car, for example staff taking turns on deliveries, the chance of being at fault goes up and Plan 1 is easier to budget for.

Both plans give the same limits for people and for the other party's property. They differ only in the excess and the premium, so you can decide based on how the car is used.

Who is Chubb Class 2+ pickup insurance for?

• Owners of code 320 pickups who use the vehicle for work or deliveries every day
• People who want a fixed premium, without having to wait and see whether it goes up in the renewal year
• People who have added accessories, such as a steel cargo rack, alloy wheels or a dash cam, and want them covered
• People for whom Class 1 no longer makes sense for the age of the car, but who still want theft and fire cover

Who should not buy this plan yet?

• Pickups with a modified cargo bed, converted into passenger vehicles, or fitted with a dump body are not insured by the insurer
• Lowered cars, lifted cars and racing cars are on the list of vehicles not accepted
• Vehicles carrying hazardous materials, fuel, acid or gas (code 340) are not insured
• Cars worth more than THB 2,000,000 are over this plan's limit
• People who want cover when they crash on their own or the other party can't be found: see Class 1 insurance – full cover, great value

Limits to check before you decide

1. The car itself is covered only in a collision with a land vehicle where the other party is identified. Hitting a post or a wall, or a scrape where the other party drives off, doesn't meet the conditions for this part
2. Plan 2 has a THB 2,000 excess when you are at fault
3. The maximum sum insured is THB 300,000. A pickup worth more than this still gets no more than this sum insured.
4. Added accessories are covered up to THB 20,000 in total, and refrigerators or cooling units are not included
5. Not covered: leaf springs and axles modified from the factory standard, Kevlar, stickers, glass coating and paint coating
6. Some groups of vehicles are not accepted, such as rescue vehicles, ambulances, demo cars, test-drive cars and cars whose registration is all numbers

The insurer reserves the right to change the conditions by giving at least 30 days' notice. Compare several plans before choosing: read Comparing car insurance in 2026: 10 things to check before you choose

Want to know the actual premium for this pickup? 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 the vehicle code, the sum insured available and the conditions on modified vehicles, then send you a written quote within a business day. If your pickup falls foul of this plan's conditions, we will tell you straight and help you find another plan.

LINE Official: @prakanthai · Tel. +66 2 459 2223

Related documents and links: Find Chubb Samaggi Insurance network garages and service centres

Frequently asked questions

Can a cab pickup with a fibreglass canopy be insured?

The conditions say the insurer does not accept cars modified as cargo trucks or converted into passenger vehicles. Send photos of the car to our team to submit to the insurer for consideration first.

Will the premium go up next year when I renew?

This plan's premium is fixed for both new and renewal policies, as long as the insurer has not announced a change, which requires at least 30 days' notice.

If I am not at fault, do I still pay the THB 2,000 excess?

No. Plan 2's THB 2,000 excess applies only when you are at fault.

Is a pickup with a refrigeration unit fitted on the back covered?

The added accessories that are covered do not include refrigerators or cooling units.

Which garages can I use for repairs?

You can see the list of network garages and service centres from the Chubb Samaggi Insurance garage search link above. Our team can help you find a garage near you.

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.

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Notes
The coverage and premium information on this page is based on the product information for Class 2+ Pickup SME car insurance from Chubb Samaggi Insurance Public Company Limited 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.