Chubb X-Treme 1 Class 2+ insurance with flood cover, from THB 6,800
- Published: 12 October 2026
Chubb X-Treme 1 Class 2+ insurance with flood cover, from THB 6,800
Premium data as of 12 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 6,800–9,200 per year, depending on the sum insured, where the car is used and whether it is an Asian or European make. Tax and stamp duty included.
Highlight: Class 2+ insurance with THB 50,000 of flood cover, theft and fire cover, and a daily benefit if you are injured and admitted to hospital
Every rainy season, the lane outside your house floods up to half the height of your wheels. Last year your car was flooded once. Your current 2+ policy only pays for collisions with other vehicles, so you had to pay for all the flood repairs yourself.
If you want Class 2+ insurance that also covers flood, what should you look at, and is the flood limit enough?
2+ Chubb X-Treme 1 insurance: who is it for and how much is the premium?
In short: Chubb Samaggi Insurance's 2+ Chubb X-Treme 1 suits owners of Asian or European-make cars up to 25 years old who want a 2+ plan with flood cover. It covers the car in a collision with a vehicle where the other party can be identified, theft and fire, up to a sum insured of THB 100,000–300,000, plus flood up to THB 50,000, with income compensation of THB 1,800 a day. Premiums start at THB 6,800 per year for an Asian-make car used in other provinces with a sum insured of THB 100,000 (data as at 12 Oct 2026). The actual premium depends on the sum insured, where the car is used and the make.
What does 2+ Chubb X-Treme 1 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 | THB 1,000 per accident | At fault or not, 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 premium for 2+ Chubb X-Treme 1 insurance?
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 | 7,200 | 6,800 |
| Asian make, sum insured 200,000 | 8,000 | 7,600 |
| Asian make, sum insured 300,000 | 8,800 | 8,400 |
| European make, sum insured 100,000 | 7,600 | 7,200 |
| European make, sum insured 200,000 | 8,400 | 8,000 |
| European make, sum insured 300,000 | 9,200 | 8,800 |
*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: your car is flooded and repairs cost THB 80,000. How much do you get?
Say you have an Asian-make car in Nonthaburi with a sum insured of THB 200,000 and a premium of THB 8,000 per year (about THB 667 a month on average = 8,000 ÷ 12)
- Flood water gets into the engine bay and repairs cost THB 80,000. The plan pays up to the flood limit of THB 50,000
- You pay the remaining 80,000 − 50,000 = THB 30,000 yourself
- If the whole car is stolen, the limit is the sum insured of THB 200,000, not THB 50,000
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. A simple rule: the THB 50,000 flood limit is a separate limit and does not use up the main sum insured.
Who is 2+ Chubb X-Treme 1 insurance for?
- People who live in or often drive through areas that flood, and want a flood limit in their 2+ cover
- Owners of Asian or European-make cars up to 25 years old who want a sum insured of up to THB 300,000
- People who use their car every day and want income compensation and travel costs when the car is in the garage
- People who want cover for theft, fire and belongings in the car, all in one
Who should not buy this plan yet?
- Cars at high risk of flooding that need a flood limit close to the car's value: this plan's flood limit is THB 50,000
- People who are usually not at fault and want higher travel costs: see Chubb 2+ X-Treme 2, which pays THB 3,000 when you are not at fault
- People who don't need flood cover or the extra benefits: 2+ Eco has a lower premium
- 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
- Collision damage to the car is covered only for a collision with a land vehicle where the other party is identified. Hitting a post or a wall, or the other party driving off, doesn't qualify
- Flood cover is up to THB 50,000
- Travel costs while the car is in the garage, up to 3 times per year, THB 1,000 each time
- 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
To find out what to do first if your car is flooded, 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 send you a written quote within a business day, showing the X-Treme 1 premium next to X-Treme 2, and 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 is X-Treme 1 different from X-Treme 2?
The main cover is the same. The difference is the travel costs while the car is in the garage: X-Treme 1 pays THB 1,000 each time, whether or not you are at fault, while X-Treme 2 pays THB 3,000 when you are not at fault. The X-Treme 2 premium is THB 400 higher for every option in the table.
If my car is parked at home and gets flooded, is it covered?
This plan covers flood damage to the car up to a limit of THB 50,000. Payment is subject to the policy conditions.
Who gets the income compensation of THB 1,800 a day?
The driver or a passenger who is injured in a car accident and admitted to hospital as an inpatient
Can every car have a sum insured of THB 300,000?
The sum insured you can choose depends on the car's value. Send us your car's details and our team will check the right sum insured for you.
If my car breaks down on the road, who can I call?
This plan includes 24-hour Gold-level emergency roadside assistance. See the policy for details of the service.
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 the New 2+ X-Treme 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 6,800
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