Tokio Marine Safety Insurance Class 2+ for older cars, from THB 6,200
- Updated: 15 October 2026
Tokio Marine Safety Insurance Class 2+ for older cars, from THB 6,200
Premium data as of 4 August 2026 · compiled by Prakanthai.com
Underwritten by Tokio Marine Safety Insurance (Thailand) Public Company Limited
Premiums from THB 6,200–8,100 per year, depending on the sum insured and vehicle type
Highlights: accepts cars up to 20 years old, with no vehicle inspection in this campaign
Your car is more than ten years old, Class 1 insurers won't renew it or will only do so at a premium out of proportion to the car's value, and with Class 3 alone you worry you'd get nothing if the car were stolen or caught fire. Which should you choose?
Tokio Marine Safety Insurance's 2+ for older cars is another option for older vehicles, but there are conditions on vehicle type and modifications that you should check first.
Tokio Marine Safety Insurance 2+ for older cars: who is it for and how much does it cost?
In short: Tokio Marine Safety Insurance 2+ suits owners of privately used saloons, pickups or vans up to 20 years old who want more cover than Class 3. 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 50,000–300,000. Premiums start at THB 6,200 per year (sum insured THB 50,000, information as at 4 August 2026, incl. tax and stamp duty). The actual premium depends on the vehicle type, the model and the sum insured you choose.
What does Tokio Marine Safety Insurance 2+ cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Damage to the car from a collision with a land vehicle | Up to the sum insured of THB 50,000–300,000 | The other party must be identified |
| Theft / fire | Up to the sum insured | – |
| Accessories in the car | Within the sum insured | No separate limit |
| Third-party bodily injury or death | THB 500,000 per person Up to THB 20,000,000 per accident in total | – |
| Third-party property | THB 1,000,000 | – |
| Personal accident | THB 100,000 | Driver and passengers, 7 / 12 / 3 seats depending on vehicle type |
| Medical expenses | THB 100,000 | Driver and passengers, 7 / 12 / 3 seats depending on vehicle type |
| Driver bail bond (criminal cases) | THB 200,000 | – |
Roughly how much is the Tokio Marine Safety Insurance 2+ premium?
Annual premium, incl. tax and stamp duty, excluding CMI, as at 4 August 2026. Rates apply until 31 December 2027 or until the insurer announces a change.
| Vehicle sum insured | Saloon (110) / Pickup (320) From (THB per year) | Van (210) From (THB per year) |
|---|---|---|
| THB 50,000 | 6,200 | 6,600 |
| THB 100,000 | 6,500 | 6,900 |
| THB 150,000 | 6,800 | 7,200 |
| THB 200,000 | 7,100 | 7,500 |
| THB 250,000 | 7,400 | 7,800 |
| THB 300,000 | 7,700 | 8,100 |
All figures are starting premiums. These rates apply to vehicle groups 3–5 as defined by the insurer and already include the no-claims discount, the dashcam discount and the app discount. The actual premium depends on the vehicle type, the model and the sum insured you choose. The amount you actually pay is the one shown on the quote.
CMI bought separately (incl. tax and stamp duty): saloon, code 110, THB 645.21 · van, code 210, THB 1,182.35 · pickup, code 320 (up to 3 tonnes), THB 967.28
A worked example to illustrate
Saloon with a THB 200,000 sum insured, bought together with CMI
7,100 + 645.21 = THB 7,745.21 per year
Is a higher sum insured worth it?
A simple rule: each extra THB 50,000 of sum insured adds THB 300 to the starting premium. For example, raising a saloon's sum insured from THB 100,000 to THB 200,000 raises the premium from THB 6,500 to THB 7,100, so you pay an extra THB 600 per year for a limit on the car that is THB 100,000 higher.
Who is Tokio Marine Safety Insurance 2+ for?
- Owners of older cars, up to 20 years old, that Class 1 won't accept or where the premium is out of proportion to the car's value
- Saloons, pickups or vans used privately or as company cars
- People who want theft and fire cover, which standard Class 3 doesn't have
- People who want insurance without booking a vehicle inspection
Who should not buy this plan yet?
Electric vehicles (EV)
This plan does not accept EVs. See Viriyah EV Class 2+ insurance with dealer repair instead
Cars registered to a company, cars used for hire, or rental cars
This plan only accepts private cars and company cars. If you drive for Grab or Bolt, see Class 1 RY.18 insurance for Grab/Bolt cars
Modified cars or pickups fitted with commercial equipment
Not accepted: sports cars, racing cars, cars with body modifications, lowered or raised cars, cars with engine modifications, added gauges, carbon or Kevlar parts, stickers or colour wraps; also not accepted are pickups with reinforced leaf springs or fitted with beams, cages, rails, axles, alloy wheels or cargo boxes
Chevrolet cars over 5 years old
This plan only accepts Chevrolets up to 5 years old
People who drive or park in tight spaces, with a risk of hitting a post or a wall
If you hit an object and no other vehicle is involved, the car is not covered. Compare Viriyah Class 1 First Loss insurance, which covers collisions with no other party.
What limitations should you check before deciding?
- The other party must be identified. Damage to the car is covered only in a collision with a land vehicle where the other party is identified. If you are hit and the other party drives off, the car is not covered.
- The sum insured must not exceed the car's value on the date the insurance is taken out. The highest sum insured in the table is THB 300,000. The insured pays any repair costs above the sum insured.
- Only vehicle groups 3–5 as defined by the insurer are accepted. Send us your car model first so we can check it is in an accepted group
- There is no separate limit for accessories. They are covered within the same sum insured as the car
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 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
My car is 18 years old. Do I need to take it for an inspection first?
This campaign waives the vehicle inspection, as long as the car is no more than 20 years old and is in a vehicle group the insurer accepts.
Can I insure a company car my employer lets me use?
Yes. This plan accepts company cars, but if the car is registered to a juristic person, it does not meet this plan's conditions.
My car is old and I often drive long distances. What else should I look at?
If you are worried about the car rolling over or running off the road, compare Muang Thai Class 2+ rollover cover, which accepts cars up to 25 years old.
Can I renew 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
When will I get my policy after buying online?
Once you've filled in all your details, our team will call you back to confirm them before the policy is issued.
Who approves claims: Prakanthai.com or Tokio Marine Safety Insurance?
Underwriting and claim payments are decided by Tokio Marine Safety Insurance. As your broker, Prakanthai.com helps coordinate and follow up for you.
Notes
The coverage and premium information on this page is based on product information from Tokio Marine Safety Insurance (Thailand) Public Company Limited as at 4 August 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 6,200
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