MSIG ULTRA SAVE Class 2+ insurance, THB 2.5 million third-party property cover, from THB 7,500
- Updated: 15 October 2026
MSIG ULTRA SAVE Class 2+ insurance, THB 2.5 million third-party property cover, from THB 7,500
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by MSIG Insurance (Thailand) Public Company Limited
Premiums from THB 7,500–13,000 per year, depending on the sum insured, excluding CMI
Highlight: Class 2+ insurance with a high limit of THB 2,500,000 for the other party's property, accepting cars 1–15 years old, with MSIG Roadside Assistance for emergencies
A ten-year-old pickup driven in a city full of expensive new cars. If you rear-end a luxury car by mistake, the other party's repair bill could be higher than the third-party property limit you have.
MSIG's Class 2+ ULTRA SAVE gives a THB 2.5 million limit for the other party's property. What is the premium at each sum insured, and in which cases does the excess apply?
Class 2+ MSIG ULTRA SAVE: who is it for and how much is the premium?
In short: Class 2+ MSIG ULTRA SAVE suits saloon cars in groups 3–5 and privately used pickups aged 1–15 years whose owners want a third-party property limit as high as THB 2,500,000. It covers the car in a collision with a land vehicle where the other party can be identified, plus theft and fire, up to a sum insured of THB 100,000–500,000. Repairs are at the insurer's network garages, and the car must be inspected before cover is accepted. Premiums start at THB 7,500 per year at a sum insured of THB 100,000 (data as at 15 Oct 2026, excluding CMI). The actual premium depends on the sum insured and the inspection result.
What does Class 2+ MSIG ULTRA SAVE 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 500,000 per person | Up to THB 20,000,000 per accident in total |
| Third-party property | 2,500,000 | – |
| Personal accident | 100,000 | 1 driver + 4 passengers |
| Medical expenses | 100,000 | 1 driver + 4 passengers |
| Driver bail bond (criminal cases) | 300,000 | – |
| Excess (deductible) | 5,000 | Every case, except a collision with a land vehicle where the other party is identified |
Garage repair at the insurer's network garages. MSIG Roadside Assistance for emergencies, under the insurer's conditions. In a collision with a land vehicle, no depreciation is deducted for tyres, batteries and fluids such as engine oil and air-conditioning coolant, under the insurer's 100% sure conditions.
Class 2+ MSIG ULTRA SAVE: how much is the premium?
Annual premiums, including the CCTV camera discount, excluding CMI and excluding the terrorism cover extension. Data as at 15 October 2026
| Sum insured (THB) | Starting premium (THB per year) | Sum insured / starting premium |
|---|---|---|
| 100,000 | 7,500 | 350,000 / 10,500 |
| 150,000 | 8,000 | 400,000 / 11,500 |
| 200,000 | 8,500 | 450,000 / 12,500 |
| 250,000 | 9,000 | 500,000 / 13,000 |
| 300,000 | 9,500 | – |
Every figure is a starting premium. The car must be worth no less than the sum insured you choose. The actual premium depends on the sum insured, the vehicle type, the inspection result and the insurer's underwriting decision. The quote is what counts.
Worked example: a pickup with a market value of THB 320,000. Which sum insured should you choose?
- The sum insured cannot be higher than the car's value, so the most you can choose is THB 300,000: premium THB 9,500 per year
- Average per month: 9,500 ÷ 12 = about THB 792
- If you lower the sum insured to THB 250,000, the premium is THB 9,000, a saving of THB 500, but the limit for the car and for theft is THB 50,000 lower
- If you rear-end an expensive car and the other party's repairs cost THB 1,800,000, that is still within the THB 2,500,000 third-party property limit
This example is for illustration only. The car value and sum insured actually available follow the insurer's decision.
Who is Class 2+ MSIG ULTRA SAVE for?
- People who drive in the city or on expressways with many expensive cars and want a THB 2.5 million limit for the other party's property
- Owners of saloon cars in groups 3–5 or privately used pickups aged 1–15 years
- People who want personal accident and medical cover of THB 100,000 per person
- People who want roadside emergency assistance included with the plan
Who should not buy this plan yet?
- Owners of Chevrolet cars, EVs, imported cars and sports cars: this plan does not accept them
- Passenger vans, cars registered to a legal entity, and cars used for hire or rental
- Pickups used to carry goods, deliver parcels or run an online business, including pickups fitted with a roof frame, steel frame or closed box body, or with reinforced leaf springs
- Cars over 15 years old: see 2+ Chubb Eco insurance for cars up to 25 years old
- People who can't easily arrange a vehicle inspection: this plan needs the car inspected before cover is accepted
Limits to check before you decide
- Excess (deductible) of THB 5,000 in every case, except accidents involving a collision with a land vehicle where the other party is identified
- The car is covered when it collides with a land vehicle and the other party can be identified. Land vehicles include trailers, trains and trams
- The car must be inspected before cover is accepted. If existing damage is found, the insurer reserves the right to reconsider
- The premium excludes compulsory motor insurance (CMI) and terrorism cover
- Saloon cars are accepted only in groups 3, 4 and 5, with garage repair at the insurer's network garages
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
- A photo of the registration book's front page
- The front page of your current policy
Our team will check the vehicle group, the car's age and the sum insured available, arrange the vehicle inspection, 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
If I collide with another car and we can stop and talk, do I pay an excess?
No. The THB 5,000 excess does not apply in a collision with a land vehicle where the other party is identified.
Can an EV be insured?
No. This plan does not accept electric-powered vehicles.
Can a pickup used for online deliveries be insured?
No. This plan does not accept vehicles used to carry or transport goods, deliver parcels or run an online business.
Does the car have to be inspected?
Yes. This plan needs the car inspected before cover is accepted. Our team will help arrange it.
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.
Notes
The coverage and premium information on this page is based on MSIG Insurance (Thailand) Public Company Limited's product information for Class 2+ ULTRA SAVE car 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 7,500
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