Class 2+ dealer repair insurance from THB 9,500

Viriyah Class 2+ dealer repair from THB 9,500: a lower premium than Class 1, still repaired at the dealer

Your car is 2–5 years old and the Class 1 premium is rising, but the car is still in good shape, you still want it serviced at the dealer, and you're not ready to switch to 2+ garage repair?

That is why Class 2+ dealer repair car insurance from Viriyah Insurance appeals to owners who want to cut their premium but still care about repair standards.

Premiums start at just THB 9,500 per year, with cover for car-to-car collisions, theft and fire. If a qualifying car-to-car collision occurs, you can have the car repaired at the manufacturer's service centre under the insurer's criteria.

The key point is that 2+ dealer repair isn't right for everyone. But if you drive fairly carefully, want to save on premium and don't want to drop your repair standard to garage repair, it's another option worth comparing with Class 1 before you renew.

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Class 1 is getting expensive, but what many people fear isn't just the “premium”

Many car owners are ready to move from Class 1 to 2+ because the premiums differ quite a lot.

But what makes many hesitate is

“If I have a crash and need repairs, can I still go to the dealer?”

Especially with fairly new cars, some owners still want to use the brand's service centre because they are used to its repair standards, process and parts supply.

So 2+ isn't just a question of “cheap or expensive”

You also need to check whether it's 2+ garage repair or 2+ dealer repair

For this plan, Viriyah states that for damage from a car-to-car collision with an identified other party that meets the policy conditions, the insured is entitled to have the car repaired at the manufacturer's service centre under the stated conditions.

So if you're thinking of moving from Class 1 to 2+, the question to ask isn't just

“How much is the premium?”

but also

“Where will the car be repaired after a crash?”

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How does dealer repair ease worries about repairs and parts?

One of car owners' biggest pain points is parts

Many worry that if they switch from dealer repair to garage repair, after an accident they may not know what type of parts will be used, whether they will have to pay a difference, or what the repair standard will be.

The advantage of a 2+ dealer repair plan is that, after a covered incident, you are entitled to repairs at the manufacturer's service centre under the conditions, so you keep a repair standard close to what you're used to with Class 1.

However, it's important to understand that

“Dealer repair” does not mean that every part will be a new 100% genuine part in every case

Whether parts are repaired or replaced, the type of parts and any extra cost depend on the damage, the approved repair list and the policy conditions in each case.

Advice from Prakanthai.com

Before approving repairs, ask clearly about 3 things

Repair or replace? — What type of parts? — Any extra cost?

These three short questions go a long way to avoiding misunderstandings before the repairs start.

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Highlights of Viriyah 2+ dealer repair

Product and network information is as published by Viriyah Insurance and may change under the insurer's criteria.

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0% premium instalments for up to 10 months, so you don't have to pay a lump sum

Another attractive feature of Viriyah is the option to pay the premium in instalments

Viriyah's instalment form lists options to pay through financial institutions at 0% interest over 3 months, 6 months or up to 10 months, with conditions on the minimum amount, the card and the participating financial institutions.

If you don't want to pay the premium in one go, instalments make your expenses easier to manage.

For example, if the premium is THB 9,500 and you qualify for 10 instalments, the average cost is about THB 950 per month

However, check the number of instalments and 0% eligibility with our team again before paying, as the conditions may differ by card type and payment channel.

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Another strength of Viriyah is its nationwide service network

When buying insurance, many people choose on price

But on the day your car has an accident, something just as important is

Is there a claims team nearby?
Are there service centres in the areas you travel to?
Who do you contact if something happens in another province?

Current information from Viriyah states that it has more than 160 branches and service centres across 72 provinces and more than 500 standard repair centres nationwide, and Viriyah's standard repair centres give a 1-year warranty on repair work under the stated conditions.

This matters a lot if you use your car every day, travel to other provinces, or don't want to buy insurance on price alone.

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What does 2+ dealer repair cover?

The main cover is damage to your car from a collision with a land vehicle where there is an other party and the policy conditions are met, as well as theft, fire, third-party liability, personal accident, medical expenses and driver bail bond, up to the limits of the chosen plan.

But it bears repeating that

2+ dealer repair is not “a cheaper Class 1”

If you hit a post, a wall or your own gate, scrape an obstacle, or damage the car without another land vehicle as the other party, the car is not covered the way it would be under Class 1.

This is the key difference to understand before you decide.

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Class 1 or 2+ dealer repair: which should you choose?

If your car is very new, used heavily, parked in tight spaces, or likely to scrape objects yourself fairly often, Class 1 may still suit you better.

But if your car is around 2–5 years old, you drive fairly carefully and you want a lower premium without switching to garage repair, 2+ dealer repair should be on your shortlist.

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Can petrol or hybrid cars be insured?

Viriyah's dealer repair plan sets criteria of Asian makes and cars up to 5 years old for qualifying groups.

For hybrid cars, don't conclude from the word “hybrid” alone that every car is accepted, because acceptance still depends on the make, model, sub-model, registration year and the insurer's criteria at the time.

The most accurate way is to send your

Make / model / sub-model / registration year / current policy expiry date

to Prakanthai.com to check first

For 100% EVs, Viriyah has a separate 2+ product for EVs.

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Why shouldn't you choose insurance on low price alone?

Say you find another 2+ plan that's a few thousand baht cheaper

Don't decide on the figure on the quote just yet

Look at the whole picture: whether it's garage or dealer repair, the sum insured, how damage to the car is covered, the third-party limits, whether you can pay in instalments, and how you can get in touch and follow up after an incident.

Because the money you save on the day you buy may be worth less than the difference in service and conditions on the day your car actually needs repairing.

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Prakanthai.com helps you compare before you decide

We don't need to tell every customer to move from Class 1 to 2+

For some cars, renewing Class 1 is the better choice
For some, 2+ dealer repair is better value
And for some, 2+ garage repair is enough

Prakanthai.com's job is to help match price + cover + sum insured + repair type + key conditions to your car and the way you use it before you decide.

And if a claim problem comes up, you can contact the Prakanthai.com team to help coordinate and follow up, so you don't have to start looking for information again on your own.

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Check the Viriyah 2+ dealer repair premium

Send your car details and our team will check them for you — it's easy

Make / model / sub-model / registration year / policy expiry date

💬 LINE Official: @Prakanthai
📞 02-459-2223
🌐 Prakanthai.com

Premium from THB 9,500 per year*
0% instalments for up to 10 months*
Car-to-car collisions repaired at the dealer, subject to conditions*

*Prices, underwriting, instalments, repair centres, cover and claims assessment are subject to the conditions and criteria of Viriyah Insurance Public Company Limited. Buyers should study the coverage details and exclusions before deciding to buy insurance.

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FAQ — questions people often search for

How much is Viriyah 2+ dealer repair insurance?

Viriyah's official page currently states a starting price of THB 9,500 per year for a sum insured of THB 100,000. The price and eligibility depend on the car's details and the insurer's criteria.

Can you really go to the dealer with 2+ dealer repair?

Yes, for damage from a qualifying car-to-car collision, with repairs at the manufacturer's service centre under the insurer's criteria.

Does dealer repair mean every part is genuine?

You shouldn't assume so automatically. Repairs, part replacement, the type of parts and any extra cost depend on the approved repair list and the policy conditions in each case.

If I hit a post myself, can I claim on 2+ dealer repair?

2+ cover for the car focuses on collisions with a land vehicle where there is an other party, so hitting a post or wall yourself is not covered for the car in the same way as under Class 1.

Over how many months can I pay for Viriyah insurance?

Viriyah's instalment document lists options of 0% over 3, 6 and 10 months through participating financial institutions and cards, subject to the stated conditions.

Can hybrid cars be insured?

Check model by model, because the underwriting criteria depend on the make, model, year and details of the car. Don't assume every hybrid can be insured.