MSIG short-term Class 2+ insurance, 90 days, for cars up to 25 years old, from THB 2,622

Premium data as of 15 October 2026 · compiled by Prakanthai.com

Underwritten by MSIG Insurance (Thailand) Public Company Limited
Starting premium THB 2,622 for 90 days and THB 4,277 for 180 days
Highlight: short-term Class 2+ insurance for 90 or 180 days, accepting cars up to 25 years old, with a sum insured of THB 100,000 for the car and for theft and fire

An old car that is used only for a short time, such as while waiting to be sold or only during the school holidays. Insuring it for a whole year means paying for more than you use, but leaving it uninsured is worrying.

MSIG's Class 2+ Safe Guard can be bought for 90 or 180 days. What does it cover, how much is the premium, and which cars does the insurer not accept?

Short-term Class 2+ MSIG Safe Guard: who is it for and how much is the premium?

In short: Short-term Class 2+ MSIG Safe Guard suits privately used saloon cars and pickups up to 25 years old whose owners want insurance for just 90 or 180 days. It covers the car in a collision with a land vehicle where the other party can be identified up to THB 100,000, theft and fire up to THB 100,000, and third-party property up to THB 1,000,000, with garage repair at the insurer's network garages. Premiums start at THB 2,622 for 90 days with an excess (data as at 15 Oct 2026). The actual premium depends on the period and the excess option you choose.

What does Class 2+ MSIG Safe Guard cover?

Garage repair at the insurer's network garages. Accessories that are not factory standard are not covered.

Class 2+ MSIG Safe Guard: how much is the premium?

Data as at 15 October 2026. The excess of THB 2,000 applies only when the car collides with a land vehicle and the driver is at fault. The actual premium depends on the period, the vehicle type and the insurer's underwriting decision. The total including CMI is as stated in the quote.

Worked example: two 90-day periods or one 180-day period

• 90 days with an excess, twice: 2,622 × 2 = THB 5,244
• 180 days in one go: THB 4,277, which is lower by 5,244 − 4,277 = THB 967
• Choosing 90 days without an excess costs 2,737 − 2,622 = THB 115 more
• If you are at fault in a collision with another car and the repairs to your car cost THB 30,000, with the excess option you pay THB 2,000 yourself, and the remaining THB 28,000 is within the THB 100,000 limit for the car

This example is for illustration only. The amount actually paid depends on the damage assessment and the policy conditions.

Is a sum insured of THB 100,000 enough for an old car?

For an older car whose market value has fallen to a few hundred thousand baht, a limit of THB 100,000 covers the repair cost in many collisions with another party, such as a bumper, headlight, door or bonnet. But if the whole car is lost, you receive the sum insured of THB 100,000, not the market value.

If the car is still worth much more than the sum insured and you use it all year, compare it with the annual Class 2+ plans, where you can choose the sum insured to match the car's value. This short-term plan suits periods of limited use better.

Who is Class 2+ MSIG Safe Guard for?

• Owners of older cars up to 25 years old who use the car only for a short period or are about to sell it
• People who don't want to pay for a whole year of insurance in one lump sum
• Owners of cars worth THB 100,000 or more who want theft and fire cover
• Careful drivers who can accept an excess of THB 2,000 in return for a lower premium

Who should not buy this plan yet?

• Owners of Audi, Benz, BMW, Volkswagen, Volvo or Chevrolet cars, imported cars and sports cars: this plan does not accept them
• Passenger vans of every kind and cars registered to a legal entity
• Pickups fitted with a roof frame, steel frame or box body, or used to transport goods
• Cars worth less than THB 100,000, because the car's value must be no less than the sum insured
• People who use the car all year and want a sum insured that matches the car's value: see 2+ Chubb Eco insurance for cars up to 25 years old

Limits to check before you decide

1. The sum insured for the car, and for theft and fire, is fixed at THB 100,000, even if the car is worth more
2. The car is covered only in a collision with a land vehicle where the other party is identified
3. With the excess option, you pay THB 2,000 yourself when the car collides with a land vehicle and you are at fault
4. Personal accident and medical expenses of THB 50,000 per person, covering 5 people
5. Cover ends after 90 or 180 days. You should plan to renew before the expiry date.

Read more about the excess (deductible) in Excess vs Deductible: what is the difference?

Want to know the actual premium for your car? What do you need to send?

Send just 2 things

1. A photo of the registration book's front page
2. The front page of your current policy (if you have one)

Our team will check the make, model and age of the car and the period you want, and 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

Can I really buy just 90 days?

Yes. This plan comes in 90-day and 180-day periods, with starting premiums of THB 2,622 and THB 4,277 respectively.

Can a 22-year-old car be insured?

Yes, if the car is no more than 25 years old, is not an excluded make, and is worth no less than THB 100,000.

Is the THB 2,000 excess paid on every claim?

Not every time. It applies only when the car collides with a land vehicle and you are at fault. If you choose the option without an excess, there is no excess.

Is dealer repair available?

This plan is garage repair at the insurer's network garages.

Who approves claims: Prakanthai.com or MSIG?

Underwriting and claim payments are decided by MSIG Insurance. As your broker, Prakanthai.com helps coordinate and follows up for you.

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Notes
The coverage and premium information on this page is based on the product information for Class 2+ Safe Guard 90-day and 180-day car insurance from MSIG Insurance (Thailand) 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.