Dhipaya Insurance Class 2+ insurance, THB 2.5 million for the other party, from THB 6,999 per year
- Updated: 15 October 2026
Dhipaya Insurance Class 2+ insurance, THB 2.5 million for the other party, from THB 6,999 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Dhipaya Insurance Public Company Limited
Premiums from THB 6,999–12,499 per year, depending on the sum insured and vehicle type
Key feature: Class 2+ insurance with third-party bodily injury or death cover of THB 1,000,000 per person, other-party property cover of THB 2,500,000 and personal accident cover of THB 200,000
You often drive your family to other provinces. Besides your own car, you worry about the people in the car and the other party. If a serious accident happens, a limit of cover for people that is too low may not be enough.
Dhipaya Insurance's Class 2+ gives THB 2.5 million for the other party's property and THB 200,000 per person for the people in the car. How much is the premium by vehicle group and vehicle type, and which cars are not accepted?
Dhipaya Insurance Class 2+ insurance: who is it for, and how much is the premium?
In short: Dhipaya Insurance's Class 2+ insurance suits owners of saloons, private passenger vehicles with up to 15 seats and pickups up to 3 tonnes who want a high limit of cover for people. 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 100,000–500,000, third-party bodily injury or death of THB 1,000,000 per person and third-party property of THB 2,500,000. Premiums start from THB 6,999 per year for a group 3–5 saloon with a sum insured of THB 100,000 (information as at 15 October 2026). The actual premium depends on the sum insured, the vehicle group and the vehicle type.
What does Dhipaya Insurance Class 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 | – |
| 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 | 2,500,000 | – |
| Personal accident | 200,000 | According to the number of seats in the policy |
| Medical expenses | 200,000 | According to the number of seats in the policy |
| Driver bail bond (criminal cases) | 300,000 | – |
How much is the premium for Dhipaya Insurance Class 2+ insurance?
Annual premiums. Data as at 15 October 2026
| Sum insured (THB) | Saloon (110) group 3–5 / group 2 | Passenger vehicle (210) / pickup (320) |
|---|---|---|
| 100,000 | 6,999 / 8,499 | 8,399 / 7,999 |
| 200,000 | 7,999 / 9,499 | 9,399 / 8,999 |
| 300,000 | 8,999 / 10,499 | 10,399 / 9,999 |
| 400,000 | 9,799 / 11,499 | 11,399 / 10,999 |
| 500,000 | 10,499 / 12,499 | 12,399 / 11,999 |
Every figure is a starting premium. The car's price must be no less than the sum insured you choose. The actual premium depends on the sum insured, the vehicle group, the vehicle type, the age of the car and the insurer's underwriting decision. The total including tax, duty and CMI is as stated in the quote.
Worked example: group 3–5 saloon, sum insured THB 300,000
- Premium THB 8,999 per year, which averages 8,999 ÷ 12 = about THB 750 per month
- A group 2 saloon with the same sum insured costs THB 10,499, a difference of 10,499 − 8,999 = THB 1,500 per year
- Raising the sum insured from THB 300,000 to THB 400,000 costs 9,799 − 8,999 = THB 800 more per year
- If you hit another car and someone in it is injured, the limit for third-party bodily injury or death is THB 1,000,000 per person
This example is for illustration only. The insurer decides the vehicle group of each model, and our team will check it from your registration book.
Why does a high limit of cover for people matter?
In accidents where people are injured or killed, the costs are often several times the cost of repairing the car. This plan gives third-party bodily injury or death cover of THB 1,000,000 per person, and personal accident and medical expenses cover of THB 200,000 per person for the people in the car. These are figures worth comparing against other plans, not just the premium.
When comparing quotes from several insurers, put four figures side by side: third-party bodily injury or death per person, third-party property, personal accident and medical expenses. If the premiums differ only slightly but these limits differ several times over, the difference in limits often matters more to you in a real accident than the difference in premium.
Who is Dhipaya Insurance Class 2+ insurance for?
- People who often drive their family and want THB 200,000 of medical expenses for each person in the car
- People who drive in a city with many expensive cars and want THB 2,500,000 for the other party's property
- Owners of pickups up to 3 tonnes or private passenger vehicles with up to 15 seats
- Owners of cars up to 20 years old for whom Class 1 no longer makes sense
Who should not buy this plan yet?
- Owners of group 1 vehicles: the insurer reserves the right not to accept them
- 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
- Cars worth less than the sum insured you want: the sum insured must not be higher than the car's price
- Cars over 20 years old must be considered by the insurer case by case
Limits to check before you decide
- The car is covered only in a collision with a land vehicle where the other party is identified
- A group 2 saloon costs more than a group 3–5 saloon at every sum insured, by THB 1,500–2,000 for each sum insured
- The maximum sum insured is THB 500,000. A car worth more than this still gets no more than this sum insured.
- Group 1 vehicles are not accepted, and cars over 20 years old are at the insurer's discretion
Comparing several plans before you choose? Read Comparing car insurance in 2026: 10 things to check before you choose
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, vehicle type and 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
Frequently asked questions
How do I know which group my car is in?
The vehicle group is set by the insurer according to make and model. Send your registration book and our team will check it for you.
How much is the premium for a pickup?
Trucks up to 3 tonnes (code 320) start at THB 7,999 at a sum insured of THB 100,000, and go up to THB 11,999 at a sum insured of THB 500,000
Can a 22-year-old car be insured?
Cars over 20 years old are subject to the insurer's underwriting decision. Send your registration book to our team to submit to the insurer first.
If I reverse into a pillar, can I claim for the car?
Class 2+ cover for the car itself applies only to a collision with a land vehicle where the other party is identified. Hitting a pillar does not meet this condition.
Who approves claims: Prakanthai.com or Dhipaya Insurance?
Underwriting and claim payments are decided by Dhipaya Insurance. As your 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+ car insurance from Dhipaya 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 6,999
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