3+ Chubb Eco insurance for cars up to 25 years old, from THB 4,800 per year

Premium data as of 12 October 2026 · compiled by Prakanthai.com

Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 4,800–6,300 per year, depending on the sum insured and where the car is used. Stamp duty included; compulsory motor insurance (CMI) not included.
Highlight: Class 3+ insurance with a sum insured of THB 100,000–200,000 for Asian-make cars up to 25 years old

You drive to work every day, through traffic jams, cars squeezing in and frequent rear-end bumps in the rush hour. Your car is more than ten years old and parked at home every night, so theft isn't much of a worry, but paying for repairs out of your own pocket after someone hits you would hurt.

How far can Class 3+ insurance with premiums starting under five thousand baht help with this, and what doesn't it cover?

3+ Chubb Eco insurance: who is it for and how much is the premium?

In short: Chubb Samaggi Insurance's 3+ Chubb Eco Package suits owners of Asian-make cars up to 25 years old who want their own car's repairs paid after a collision with a vehicle where the other party can be identified, with a sum insured of THB 100,000 or 200,000. It does not cover theft or fire. Premiums start at THB 4,800 per year for a car used in other provinces with a sum insured of THB 100,000 (data as at 12 Oct 2026, excluding CMI). The actual premium depends on the sum insured and where the car is used.

What does 3+ Chubb Eco insurance cover?

Coverage	Limit	Conditions
Damage to the car from a collision with a land vehicle	Up to the sum insured	The other party must be identified
Theft / fire	Not covered	–
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	Saloon: 7 persons · pickup: 3 persons
Medical expenses	THB 100,000	Saloon: 7 persons · pickup: 3 persons
Driver bail bond (criminal cases)	THB 300,000	–

Roughly how much is the premium for 3+ Chubb Eco insurance?

Annual premiums, including stamp duty, excluding CMI. Data as at 12 October 2026

Sum insured	Bangkok and vicinity	Other provinces
THB 100,000	5,300	4,800
THB 200,000	6,300	5,800

In this plan, Bangkok and vicinity means Bangkok, Nonthaburi, Pathum Thani, Samut Prakan and Samut Sakhon. Every figure is a starting premium. The actual premium depends on the sum insured, where the car is used and the insurer's underwriting decision. The quote is what counts.

Worked example: how much is the difference between 3+ and 2+?

Compared with Chubb's 2+ Eco, with the same sum insured and area

• Sum insured THB 100,000, Bangkok: 3+ premium THB 5,300 · 2+ premium THB 5,800 a difference of THB 500 per year
• Sum insured THB 200,000, other provinces: 3+ premium THB 5,800 · 2+ premium THB 6,500 a difference of THB 700 per year
• This difference is the price of theft and fire cover. If the whole car is stolen, 3+ pays nothing, while 2+ pays up to the sum insured.

This example is for illustration only. A simple rule: if your car is parked somewhere safe and you're not worried about theft, 3+ saves you money. If you park on the street or your model is often stolen, the few hundred baht extra for 2+ may be worth it.

Who is 3+ Chubb Eco insurance for?

• Owners of Asian-make cars up to 25 years old who drive in town and often risk colliding with other cars
• People who park at home or somewhere safe and don't want to pay extra for theft cover
• People who want to upgrade from Class 3 to get repairs to their own car covered
• Privately used saloons with up to 7 seats, or pickups up to 4 tonnes

Who should not buy this plan yet?

• People worried about theft or fire: this plan doesn't cover them. See 2+ Chubb Eco insurance
• European-make cars: this plan accepts Asian makes only
• Cars used for hire or rental: this plan accepts privately used cars only
• Customised, lowered, raised or modified cars, or pickups fitted with a cage or an enclosed cargo box, or with reinforced leaf springs or axles
• Cars worth more than THB 2,000,000

Limits to check before you decide

1. The car itself is covered only in a collision with a land vehicle where the other party is identified. Hitting a post, a wall or an animal, or the other party driving off, doesn't qualify
2. Theft and fire are not covered
3. The car must be worth no more than THB 2,000,000 and no less than the sum insured you choose
4. Special materials are not covered, such as refrigeration units, special paint, glass coating, Kevlar, stickers and custom paintwork
5. Premiums exclude compulsory motor insurance (CMI). See the quote for the actual total

Want to know whether a claim will push up next year's premium? Read Does making a claim raise your premium? Which claims affect your car insurance discount?

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 send you a written quote within a business day, showing the 3+ premium next to the 2+ premium so you can see the difference, and 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

If I rear-end another car and I'm at fault, will repairs to my car be covered?

Yes, if it is a collision with a land vehicle and the other party is identified. This plan covers your car up to the sum insured, and covers damage to the other party's car under third-party property damage.

What decides whether you pay the Bangkok or the provincial premium?

Where the car is used. In this plan, Bangkok and vicinity includes Nonthaburi, Pathum Thani, Samut Prakan and Samut Sakhon. The two premiums differ by THB 500.

Can a 22-year-old car be insured?

Yes. This plan accepts cars up to 25 years old, as long as the car is an Asian make and has not been modified

My old policy has already lapsed. Can I take out a new one?

Yes. Send your car details and our team will check them. Read more in Car insurance lapsed or renewed late: what happens?

Can a pickup be insured?

Yes, but only pickups up to 4 tonnes, code 320, without a cage, an enclosed cargo box or reinforced leaf springs or axles, and not used for hire or rental.

Who approves claims: Prakanthai.com or Chubb?

Underwriting and claim payments are decided by Chubb Samaggi Insurance. As your broker, Prakanthai.com helps coordinate and follows up on your case.

---

Notes
The coverage and premium information on this page is based on product information for the 3+ Eco Package from Chubb Samaggi Insurance Public Company Limited as at 12 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.