Viriyah Class 2+ dealer repair insurance for cars up to 5 years old, from THB 9,500

Premium data as of 28 October 2026 · compiled by Prakanthai.com

Underwritten by Viriyah Insurance Public Company Limited
Premiums from THB 9,500 per year for a sum insured of THB 100,000
Highlights: a lower premium than Class 1, but you can still use dealer repair after a qualifying car-to-car collision

Your car is two or three years old. The Class 1 dealer-repair renewal notice has arrived and the premium is still high. You are thinking of dropping to 2+, but worry that after a crash you would have to use a garage you do not know. So is there a 2+ plan that still lets you use the dealer?

Viriyah's Class 2+ dealer-repair insurance can meet this need, but you need to understand first that 2+ dealer repair is not a cheaper Class 1. The car is covered only in certain events.

Viriyah 2+ dealer-repair insurance: who is it for, and how much is the premium?

In short: Viriyah 2+ dealer-repair insurance suits owners of privately used Asian-make cars up to 5 years old who want a lower premium than Class 1 but still want dealer repair. It covers the car in a collision with a land vehicle where there is another party and the conditions are met, plus theft and fire, up to the sum insured you choose, together with third-party liability. Premiums from THB 9,500 per year (sum insured THB 100,000, data as at 28 October 2026). The actual premium depends on the make, model and year of the car and the sum insured you choose.

What does Viriyah 2+ dealer-repair insurance cover?

Roughly how much is the Viriyah 2+ dealer-repair premium?

Premiums start from THB 9,500 per year for a sum insured of THB 100,000, data as at 28 October 2026. Premiums for other sums insured and the net amount depend on the make, model, sub-model, year of registration and the insurer's criteria. The amount you actually pay is the one shown on your quote.

Pay in instalments: 0% instalments of 3 or 6 months, or up to 10 months, through participating cards and financial institutions, subject to a minimum amount

A worked example to illustrate

What is the monthly payment over 10 months?
9,500 ÷ 10 = THB 950 per month (for the starting premium, where the 0% instalment conditions are met)

Compared with Aioi Bangkok's 2+ dealer repair for Toyota
With a sum insured of THB 100,000, the starting premium is the same at THB 9,500, but Aioi accepts only Toyotas up to 10 years old, while Viriyah accepts several Asian makes up to 5 years old.

A simple rule: if the premiums for two plans are close, decide on the make, the car's age and the third-party limits in the quote.

Who is Viriyah 2+ dealer-repair insurance for?

• Owners of privately used Asian-make cars up to 5 years old whose model meets the insurer's criteria
• People whose Class 1 renewal premium is over budget but who still want dealer repair
• People who drive fairly carefully, where the main risk is colliding with another car
• People who want to pay the premium in instalments rather than in one lump sum

Who should not buy this plan yet?

Bikes over 5 years old
This dealer-repair plan accepts cars up to 5 years old. For a Toyota up to 10 years old, see Aioi Bangkok 2+ dealer-repair insurance for Toyota

100% electric vehicles
Viriyah has a separate plan for EVs. See Viriyah EV Class 2+ insurance with dealer repair

People who park in tight spaces or often scrape into objects
If you hit a pillar, a wall or your own gate, the car is not covered. If that worries you, Class 1 is a better fit.

European cars, or cars that do not meet the insurer's Asian-make criteria
This plan accepts only qualifying Asian-make cars

People who expect brand-new genuine parts for every item in every case
Whether parts are repaired or replaced, the type of parts and any difference in cost depend on the approved repair list and the policy conditions each time.

What limitations should you check before deciding?

1) Dealer repair only for qualifying car-to-car collisions
It must be a collision with a land vehicle where there is another party, and repairs are done at the manufacturer's service centre under the insurer's criteria.

2) The car is not covered in a collision with no other party
Damage to the car from hitting a pillar or a wall, or scraping an obstacle, is not covered as it would be under Class 1.

3) Accepts Asian-make cars up to 5 years old
Hybrid cars have to be checked model by model, and not every one is accepted automatically.

4) 0% instalments come with conditions
The number of instalments and eligibility for 0% depend on the card, the financial institution and the minimum amount. Check with our team before you pay.

5) The premium on this page is for a sum insured of THB 100,000
A higher sum insured means a higher premium. See your quote for the actual amount.

Before you approve the repair, ask three things: whether it will be repaired or replaced, what type of parts will be used, and whether there is a price difference. Read more in Car insurance claims: can you ask for new parts?

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

Our team will check whether your car model qualifies for dealer repair, then send you a written quote within a business day, showing the premium for the sum insured, the third-party limits and the instalment options. 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 you really go to the dealer with 2+ dealer repair?

Yes, for a qualifying car-to-car collision, with repairs at the manufacturer's service centre under Viriyah Insurance's criteria.

Can hybrid cars be insured?

It has to be checked model by model. Send us the make, model, sub-model and year of registration to check first.

How many service centres does Viriyah have?

Information published by Viriyah says it has more than 160 branches and service centres in 72 provinces, and more than 500 standard repair centres nationwide. The figures may change as the insurer updates them.

If I take the car in for repair, do I have to pay upfront first?

It depends on the case and the service centre. Read the reasons in Why do you have to pay upfront for repairs?

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

Who approves claims: Prakanthai.com or Viriyah?

Underwriting and claim payments are decided by Viriyah Insurance. Prakanthai.com, as the broker, helps coordinate and follow up for you.

Notes
The coverage, premium and instalment information on this page is based on the Class 2+ dealer-repair car insurance product information published by Viriyah Insurance Public Company Limited as at 28 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. Please read the policy and the quote in full before deciding.