Viriyah Truck Super Save Class 2+ truck insurance from THB 17,900
- Published: 14 October 2026
Viriyah Truck Super Save Class 2+ truck insurance from THB 17,900
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Viriyah Insurance Public Company Limited
Total premiums from THB 17,900–39,500 per year, depending on the vehicle code, weight, sum insured and special extra equipment. These rates apply until 31 Dec 2026
Key feature: Class 2+ insurance for trucks and tractor units used in your own business, covering theft, fire and collisions with other vehicles
A business's ten-wheel truck often has to stay parked overnight at work sites in the provinces. The owner worries about theft, fire from the electrical system and collisions on the road, but Class 1 for a large truck costs more than the budget allows.
Does Class 2+ truck insurance cover all three, and how much is the premium?
Viriyah Class 2+ truck insurance: who is it for and how much is the premium?
In short: Viriyah Truck Super Save Class 2+ truck insurance suits business owners who use a truck (code 320) or a tractor unit (code 420) to carry their own goods, not for hire or rental. It covers theft, fire and damage to the vehicle in a collision with a land vehicle, up to a sum insured of THB 100,000–300,000, plus third-party liability. Total premiums start from THB 17,900 per year for a 4–12-tonne truck with a sum insured of THB 100,000 and no special extra equipment (data as at 14 Oct 2026). The actual premium depends on the vehicle code, weight, sum insured and the equipment fitted.
What does Viriyah Class 2+ truck insurance cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Damage to the car from a collision with a land vehicle | Up to the sum insured | THB 100,000 / 200,000 / 300,000 |
| Theft / fire | Up to the sum insured | – |
| Flood | Not stated in the plan | Don't assume it is covered |
| Third-party bodily injury or death, incl. passengers | THB 500,000 per person Up to THB 20,000,000 per accident in total | – |
| Third-party property | THB 1,000,000 per accident | – |
| Personal accident / medical expenses | THB 100,000 / 100,000 per person | 1 driver, 2 passengers |
| Driver bail bond (criminal cases) | THB 300,000 per accident | – |
Roughly how much is the Viriyah Class 2+ truck insurance premium?
Total annual premiums, after the plan's discounts. These rates apply until 31 December 2026
| Vehicle code / weight | Sum insured 100,000 / 200,000 / 300,000 (no special extra equipment) | With special extra equipment |
|---|---|---|
| 320 · over 4 and up to 12 tonnes | 17,900 / 18,900 / 19,900 | 19,700.01 / 20,800 / 21,900 |
| 320 · over 12 tonnes | 19,900 / 21,900 / 23,900 | 21,900 / 24,100 / 26,300 |
| 420 · tractor units over 8 tonnes | 31,900 / 33,900 / 35,900 | 35,100 / 37,300 / 39,500 |
Every figure is a starting premium, with no further discounts. The actual premium is based on the quote, the registration book, how the vehicle is used and the insurer's underwriting decision.
Worked example: how much more do you pay for each extra THB 100,000 of sum insured?
Say you have a code 320 truck over 12 tonnes with a market value of THB 600,000 and no special extra equipment.
- Sum insured THB 100,000 → 200,000: premium THB 19,900 → 21,900. You pay THB 2,000 more for THB 100,000 more cover
- Sum insured THB 300,000: premium THB 23,900. If the truck is stolen or completely destroyed by fire, you get up to THB 300,000, and the remaining THB 300,000 of its market value is yours to bear
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. A simple rule: the plan's maximum sum insured is THB 300,000, so if your vehicle is worth much more than that, compare it with Class 1 first.
Who is Viriyah Class 2+ truck insurance for?
- Business owners with trucks or tractor units used to carry their own goods
- Vehicles that have to be left parked away from base, at risk of theft or fire
- People who want cover for collisions with other vehicles but find the Class 1 premium over budget
- People who want cover for the other party, the driver and passengers in one plan
Who should not buy this plan yet?
- Vehicles that haul for hire or are rented out. This plan does not accept them
- Vehicles carrying fuel, acids or gas. The insurer does not cover them
- People who aren't worried about theft and want to save money. See Viriyah Class 3+ truck insurance, which costs THB 1,000–1,400 less
- People who want cover for flood, or for hitting a post or wall or overturning on their own
Limits to check before you decide
- Collision damage to the vehicle must come from a collision with a land vehicle. Hitting a post, wall or tree, or overturning with no other party involved, is not covered under this part
- No flood cover is stated
- Special extra equipment you have not declared may not be covered, and vehicles with equipment are on a higher rate
- For a tractor unit, give full details of both the tractor and the trailer, as they may be considered separately
- These rates apply until 31 December 2026 or until the insurer changes them
To compare with another insurer's truck plan, see Chubb 2+ Big Truck
Want to know the actual premium for your car? What do you need to send?
Send just 3 things
- A photo of the registration book's front page (showing the gross weight)
- Photos of the vehicle from all sides and of any extra equipment fitted
- The type of goods you usually carry
Our team will check the vehicle code and weight, then send you a written quote within a business day, showing the 2+ premium next to the 3+ premium so you can see the difference. 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 a tractor unit be insured?
Yes. This plan has code 420 rates for tractor units over 8 tonnes. Give full details of the tractor, the trailer and how they are used.
How is 2+ different from Viriyah's 3+?
2+ adds cover for theft and fire, which 3+ does not cover. The 2+ premium is THB 1,000 higher for code 320 and THB 1,400 higher for code 420.
If you collide with another vehicle, what should you do at the scene?
Call Viriyah Insurance on 1557 straight away, take photos of where the vehicles are, the damage and the number plates, collect the other party's full details, then let the Prakanthai.com team know.
Can a truck with an added cargo box or crane be insured?
Vehicles with special extra equipment have separate rates. Send us photos of the vehicle and details of the equipment for the insurer to consider.
Are you covered as soon as you send your details?
Not yet. The insurer must first accept the application and confirm the start date of cover.
Who approves claims: Prakanthai.com or Viriyah Insurance?
Underwriting and claim payments are decided by Viriyah Insurance. Prakanthai.com, as the broker, helps coordinate and follow up for you.
Notes
The coverage and premium information on this page is based on Viriyah Insurance Public Company Limited's product information for Truck Super Save 2+ as at 14 October 2026. The premium rates apply until 31 December 2026 or until the insurer changes them. It is general information and not part of the insurance contract. 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 17,900
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