Class 2+ with flood and windscreen cover, Super Special, from THB 7,300
- Updated: 15 October 2026
Class 2+ with flood and windscreen cover, Super Special, from THB 7,300
Premium data as of 15 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. Tax and stamp duty included; compulsory motor insurance (CMI) not included.
Highlights: Class 2+ that adds natural disaster cover for four perils (THB 100,000), windscreen cover (THB 10,000) and total loss from overturning (THB 100,000)
You often drive upcountry, and a stone thrown up by a lorry has already cracked your windscreen twice. Your current Class 2+ policy didn't pay because it wasn't a collision with another vehicle. In the rainy season you also worry about floods.
How does Class 2+ with added windscreen, flood and overturning cover differ from a standard Class 2+, and how much more do you pay?
Class 2+ Super Special: who is it for and how much is the premium?
In short: Bangkok Insurance's Class 2+ Super Special suits owners of private saloons or pickups aged 2–20 years who want more than a standard Class 2+. It covers the car in a collision with a vehicle where the other party is identified, theft and fire, up to a sum insured of THB 100,000–700,000, and adds natural disaster cover for four perils of THB 100,000 per accident, windscreen cover of THB 10,000 per accident, and total loss from overturning or leaving the road of THB 100,000. Premiums start at THB 7,300 per year for a sum insured of THB 100,000 (data as at 15 October 2026, CMI not included). The actual premium depends on the sum insured.
What does Class 2+ Super Special cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Damage to the car from a collision with a land vehicle | Up to the sum insured, maximum 700,000 | The other party must be identified |
| Theft / fire | Up to the sum insured, maximum 700,000 | – |
| Four natural disaster perils (flood, earthquake, hail, windstorm) | THB 100,000 per accident | – |
| Overturning / leaving the road, resulting in total loss | 100,000 | For the whole period of insurance |
| Windscreen damage from causes other than a collision | THB 10,000 per accident | and for the whole period of insurance |
| 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 / medical expenses | 200,000 / 200,000 | Saloon: 7 persons · pickup: 3 persons |
| Driver bail bond (criminal cases) | 250,000 | – |
| Terrorism | Up to the sum insured, maximum 700,000 | – |
Windscreen means the standard glass fitted to the car at the front, left side, right side and rear, damaged by flying stones, falling branches or objects striking it. It does not include the glass in the folding side mirrors, the sunroof glass or window film.
How much is the premium for Class 2+ Super Special?
Annual premiums, including tax and stamp duty, excluding CMI. The CCTV camera discount is already included. Data as at 15 October 2026. Every sum insured has the same natural disaster limit of THB 100,000.
| Sum insured (THB) | Starting premium (THB per year) |
|---|---|
| 100,000 | 7,300 |
| 200,000 | 8,300 |
| 300,000 | 9,300 |
| 400,000 | 10,500 |
| 500,000 | 11,500 |
| 600,000 | 12,500 |
| 700,000 | 13,500 |
Every figure is a starting premium. The sum insured must not exceed 80% of the car's value on the date the policy is taken out. The actual premium depends on the sum insured and the insurer's underwriting decision. The quote is what counts.
Worked example: for a car worth THB 500,000, what sum insured can you get?
- Maximum sum insured of 80% of the car's value: 500,000 × 80% = THB 400,000. Premium THB 10,500 per year
- Average per month: 10,500 ÷ 12 = about THB 875
- If your car is flooded and the repair costs THB 150,000, the payout is capped at the natural disaster limit of THB 100,000, and you pay the remaining THB 50,000 yourself
- If a stone hits the windscreen and replacing it costs THB 8,000, that falls within the THB 10,000 limit
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. A simple rule: the natural disaster limit and the glass limit are separate limits and do not use up the main sum insured.
Who is Class 2+ Super Special for?
- Owners of saloons of up to 7 seats or pickups of up to 3 tonnes and 3 seats, with a car aged 2–20 years
- People who often drive long distances and risk flying stones hitting the glass
- People who park in flood-prone areas and want a natural disaster limit within a Class 2+ policy
- People who want to renew their insurance without a vehicle inspection
Who should not buy this plan yet?
- People who want the car repaired after hitting something with no other party involved, such as a post or a wall. Cover for damage to the car from a collision applies only to a collision with a land vehicle where the other party is identified. See Class 1 insurance Khum Khrong Khum Kha
- Cars used for hire or rental: this plan accepts privately used cars only
- Cars of a make or model the insurer does not accept: send the car's details to our team to check first
- People who want a flood limit close to the value of the car: natural disaster cover is THB 100,000 per accident
- People who have added expensive accessories to the car: this plan covers only equipment fitted at the factory
Limits to check before you decide
- Overturning or leaving the road 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. The THB 100,000 limit applies throughout the period of insurance
- Windscreen cover is THB 10,000 per accident and THB 10,000 over the year. It does not include the glass in folding side mirrors, sunroofs or window film
- The sum insured is capped at 80% of the car's price, so an expensive car may get a sum insured below its market value
- Covers only equipment fitted at the factory, not additional accessories
- The premium excludes compulsory motor insurance (CMI)
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 check whether the car falls in a group the insurer accepts, and send you a written quote within a business day, showing the sum insured you can have, up to 80% of the car's value, and CMI if you want it. 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 · Get your policy online with Bangkok Insurance
Frequently asked questions
If a stone hits the windscreen and you claim, does it hurt your record?
This plan covers windscreen damage from causes other than a collision, at THB 10,000 per accident. How a claim affects next year's discount follows the insurer's rules. Read more at Does making a claim raise your premium?
Is a sunroof broken by a falling branch covered?
No. This plan's definition of windscreen does not include sunroof glass, the glass in folding side mirrors or window film.
Does the car need an inspection before the policy is taken out?
No. The plan's conditions state that no vehicle inspection is needed before the policy is taken out.
Can an 18-year-old car be insured?
Yes, if the car is a make or model the insurer accepts. This plan accepts cars aged 2–20 years.
If the car goes off the road but can be repaired, does the plan pay?
Cover for overturning or leaving the road pays only for total loss. If the car can be repaired and no other land vehicle is involved, it is not covered under this plan's cover for the car.
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 the product information for Class 2+ Super Special car insurance from Bangkok 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.
Price: THB 7,300
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