ERGO Class 2+ motorcycle insurance with theft and fire cover, from THB 2,600 per year
- Updated: 15 October 2026
ERGO Class 2+ motorcycle insurance with theft and fire cover, from THB 2,600 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by ERGO Insurance (Thailand) Public Company Limited
Premiums from THB 2,600–3,000 per year, depending on engine size (cc)
Highlights: Class 2+ motorcycle insurance that covers theft, fire and repairs to your own bike in a collision with another party, with no excess
You bought a new motorcycle only a year ago and park it outside your condo or shop every day. What worries you most is not just colliding with another vehicle, but the day you come down and the whole bike is gone.
ERGO's Class 2+ motorcycle insurance starts at THB 2,600. How much does it pay if the bike is stolen, how does it differ from 3+, and what conditions should you know?
ERGO Class 2+ motorcycle insurance: who is it for and how much does it cost?
In short: ERGO Insurance's Class 2+ motorcycle insurance suits people who ride a privately used motorcycle up to 5 years old and worry about theft or fire. It covers theft and fire at THB 5,000–10,000 depending on the bike's age, repairs to your own bike at THB 10,000 in a collision with a land vehicle where the other party can be identified, and the other party's property at THB 600,000, with no excess. Premiums start from THB 2,600 per year for bikes up to 250 cc (as of 15 October 2026). The actual premium depends on engine size and the insurer's assessment.
What does ERGO Class 2+ motorcycle insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Damage to the bike (bikes aged 1–5 years) | 10,000 | Collision with a land vehicle where the other party is identified |
| Theft / fire (bikes aged 1–3 years) | 10,000 | – |
| Theft / fire (bikes aged 4–5 years) | 5,000 | – |
| Excess (deductible) | None | – |
| Third-party bodily injury or death | THB 500,000 per person | Up to THB 20,000,000 per accident in total |
| Third-party property | 600,000 | – |
| Personal accident | 50,000 | 1 seat |
| Medical expenses | None | – |
| Driver bail bond (criminal cases) | 100,000 | – |
Covered to factory standard only; accessories are not covered
How much does ERGO Class 2+ motorcycle insurance cost?
| Engine size | Starting premium (THB per year) | Theft / fire |
|---|---|---|
| Up to 250 cc | 2,600 | 10,000 (bikes aged 1–3 years) / 5,000 (bikes aged 4–5 years) |
| Over 250 cc | 3,000 | 10,000 (bikes aged 1–3 years) / 5,000 (bikes aged 4–5 years) |
Information as of 15 October 2026. The actual premium depends on engine size, the model and the insurer's underwriting decision. The insurer reserves the right to change premiums without prior notice. The total including tax, stamp duty and CMI is as stated on the quote.
Worked example: a 125 cc bike, 4 years old, stolen
- For a bike up to 250 cc, the 2+ premium is THB 2,600 per year, about THB 217 a month on average (2,600 ÷ 12)
- A 4-year-old bike falls in the 4–5 year band, so the theft limit is THB 5,000
- If the same bike were 2 years old, the theft limit would be THB 10,000
- Compared with ERGO's 3+ at the same engine size, which is THB 2,300, the difference is 2,600 − 2,300 = THB 300 per year for the added theft and fire cover
This is an illustration only. The theft limit is the amount shown in the table, not the bike's actual value. What is actually paid depends on the policy conditions.
Is a theft limit of THB 5,000–10,000 enough?
This limit is a fixed amount set by the bike's age, not based on the bike's value. If the motorcycle is worth several tens of thousands of baht, the payment will cover only part of it. Treat this plan as initial assistance rather than reimbursement for the whole bike, and compare it with the extra premium over 3+ before deciding.
Who is ERGO Class 2+ motorcycle insurance for?
- People who regularly park their motorcycle in public places and want theft cover
- Owners of bikes aged 1–3 years, who get the full theft limit of THB 10,000
- People who ride to work every day and want their own bike's repairs covered after a collision with another party
- People who don't want an excess when they claim
Who should not buy this plan yet?
- Food-delivery riders, couriers, or anyone using the bike commercially. This plan accepts private use only
- People who want a theft payment equal to the bike's value. The theft limit is at most THB 10,000
- People who park in a safe place and only worry about collisions. See ERGO Class 3+ motorcycle insurance, which has a lower premium
- Bikes over 5 years old, bikes registered as assembled from parts, or models with no dealer in Thailand
- Bikes registered to a juristic person
Limits to check before you decide
- The theft and fire limit falls with the bike's age. Bikes aged 4–5 years get THB 5,000
- Repairs to the bike up to THB 10,000, only in a collision with a land vehicle where the other party is identified. Falling over on your own doesn't meet this condition.
- There is no medical expenses cover for the rider. There is only personal accident cover of THB 50,000 for 1 seat
- Third-party property cover of THB 600,000. If you hit an expensive vehicle, you are responsible for any damage above the limit
- Private use only, and accessories are not covered
To understand how Class 3, 3+ and 2+ differ, read How many types of car insurance are there? How Class 1, 2 and 3 cover differs
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 (if you have one)
Our team will check the engine size, the bike's age and the model, 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
If the bike is stolen, do I get its full value?
No. This plan pays according to the limit in the table: up to THB 10,000 for bikes aged 1–3 years and up to THB 5,000 for bikes aged 4–5 years.
What is the difference between ERGO's 2+ and 3+?
The limit for repairs to the bike in a collision with another party is the same, THB 10,000, but 2+ adds theft and fire cover. For bikes up to 250 cc the premium differs by THB 300 per year.
If I fall off on my own with no other party involved, can I claim for repairs?
No. This plan's limit for the bike applies only in a collision with a land vehicle where the other party is identified.
Do I have to take the bike for an inspection?
This plan relaxes the inspection requirement. You can send your registration book to our team to check first.
Who approves claims: Prakanthai.com or ERGO?
Underwriting and claim payments are decided by ERGO 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 ERGO Insurance (Thailand) Public Company Limited's product information for Class 2+ motorcycle insurance 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 2,600
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