Muang Thai Class 2+ rollover cover from THB 6,900, for cars up to 25 years old

Premium data as of 30 August 2026 · compiled by Prakanthai.com

Underwritten by Muang Thai Insurance Public Company Limited
Premiums from THB 6,900.43–12,900.99 per year, depending on the sum insured you choose
Highlight: adds cover of up to THB 100,000 for a total loss from overturning or running off the road, which ordinary 2+ plans don't have

When you drive in the provinces, on slippery roads, tight bends or low road shoulders, the risk of your car overturning or running off the road is real. But ordinary 2+ insurance covers the car only when it collides with another vehicle. If your car overturns on its own with no other party involved, what do you get?

Muang Thai's Class 2+ rollover cover adds this cover and accepts cars up to 25 years old, but the overturning limit is not the same as the sum insured, and there are conditions you should check carefully first.

Class 2+ rollover cover: who is it for and how much is the premium?

In short: Muang Thai Insurance's Class 2+ rollover cover suits owners of saloons or pickups up to 25 years old who drive long distances or on roads where overturning is a risk. It covers the car in a collision with a land vehicle, theft and fire, up to a sum insured of THB 100,000–700,000, and adds total-loss cover for overturning of up to THB 100,000. Garage repair. Premiums start at THB 6,900 per year (sum insured THB 100,000, data as of 30 Aug 2026). The actual premium depends on the sum insured, vehicle type and car model.

What does Class 2+ rollover cover include?

Roughly how much is the premium for Class 2+ rollover cover?

Total annual premium by sum insured, including tax and stamp duty. Data as of 30 August 2026. If you also want compulsory motor insurance (CMI), mention it when you ask for a quote.

Every figure is a starting campaign premium · The actual premium depends on the sum insured, vehicle type, car model and the insurer's assessment. The amount you actually pay is the one on your quote.

A worked example to illustrate

Is a higher sum insured worth it?
A simple rule: every THB 100,000 added to the sum insured adds about THB 1,000 to the premium
For example, raising the sum insured from THB 200,000 to THB 400,000: 9,900.71 − 7,900.88 = an extra THB 1,999.83 per year, for THB 200,000 more cover for collision, theft and fire

If the car overturns, do you get the full sum insured?
Say you insure for THB 300,000, the car overturns and the insurer assesses it as a total loss
The overturning limit is up to THB 100,000, not the THB 300,000 sum insured. The remaining THB 200,000 is not covered under this cover (hypothetical example)

Who is Class 2+ rollover cover for?

• Owners of saloons (up to 7 seats) or pickups (up to 3 seats) up to 25 years old
• People who regularly drive long distances, in the provinces or on roads where overturning is a risk
• People who want higher third-party, medical expenses and personal accident limits than some 2+ plans
• People who are fine with garage repair and want to keep their annual premium down

Who should not buy this plan yet?

Fully electric cars (EV)
This plan does not accept EVs. See Viriyah EV Class 2+ insurance with dealer repair instead

Cars for hire or rental
Some types are outside the criteria. If you drive for Grab or Bolt, see Class 1 RY.18 insurance for Grab/Bolt cars

Imported cars, supercars or modified cars
Some types are outside the underwriting criteria. Send us the car model to check first

People who want dealer repair
This plan is garage repair

High-value cars where overturning is the main concern
The overturning limit is up to THB 100,000. If the car is worth much more than this, compare with Class 1

What limitations should you check before deciding?

1) Overturning is covered for total loss only
It must meet the definition in the policy. An overturned car does not always mean you get THB 100,000. For partial damage from overturning, check the actual policy.

2) The overturning limit is not the same as the sum insured
Up to THB 100,000 whatever sum insured you choose, and this plan does not turn 2+ into Class 1

3) The car is covered in a collision with a land vehicle
Hitting a post, wall or other object is not covered under the 2+ plan's own-damage cover

4) Excess (deductible)
The campaign document states there is no excess under the set conditions. Read the policy conditions as well

5) Only saloons (code 110) and pickups (code 320) are accepted
Use must comply with the conditions, and acceptance is at the insurer's discretion

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

Send just 2 things

1) A photo of the front page of the registration book
2) The front page of your current policy

Our team will send you a written quote within a business day, showing the premium incl. tax and duty, plus CMI if you want both together. 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 is it different from Muang Thai 2+ Save?

Muang Thai 2+ Save covers the car in a collision with a land vehicle, but overturning falls outside its own-damage cover, while the rollover plan adds total-loss cover for overturning of up to THB 100,000.

Can you claim for a windscreen cracked by a flying stone?

This plan covers the windscreen and sunroof glass against accidents other than a collision with a vehicle, up to THB 12,000 per accident / per year, on the insurer's conditions.

Can a cab or 4-door pickup be insured?

This plan accepts code 320 pickups with up to 3 seats. Pickups registered in other ways must be checked with the insurer case by case.

Older car but no long-distance driving: which plan should you choose?

If you are not at particular risk of overturning, compare it with Tokio Marine Safety Insurance Class 2+ for older cars, which accepts cars up to 20 years old, and see which cover better matches how you use your car.

Can I get compulsory motor insurance (CMI) at the same time?

Yes. Mention it when you ask for a quote. If you want to check that the cover dates line up with your tax renewal first, read New CMI rules from 1 September 2026: match your cover dates to your vehicle tax

Who approves claims: Prakanthai.com or Muang Thai Insurance?

Underwriting and claim payments are decided by Muang Thai Insurance, including whether the car is a total loss. Prakanthai.com, as your broker, helps coordinate and follow up for you.

Notes
The cover and premium information on this page is based on the product information of Muang Thai Insurance Public Company Limited as of 30 August 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as the insurer announces. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, broker licence no. 5104000004, in service since 2004. Read the policy and quote in full before deciding.