3+ dealer repair insurance, Tokio Marine Safety Insurance, cars up to 7 years old, from THB 8,500
- Updated: 15 October 2026
3+ dealer repair insurance, Tokio Marine Safety Insurance, cars up to 7 years old, from THB 8,500
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Tokio Marine Safety Insurance (Thailand) Public Company Limited
Premiums from THB 8,500–13,000 per year, depending on the sum insured and vehicle code, including tax and duty
Highlight: Class 3+ dealer repair insurance for cars up to 7 years old, with a sum insured of THB 100,000–300,000 and no vehicle inspection
Your car is only three or four years old and you still want it repaired at the dealer, but you park in a housing estate with security guards and don't worry much about theft. Your only concern is hitting another car and having to pay for repairs on both sides.
Tokio Marine Safety Insurance's 3+ dealer repair: how much is the premium, how does it differ from the same insurer's 2+ dealer repair, and which cars can't take it?
Tokio Marine Safety Insurance 3+ dealer repair: who is it for and how much does it cost?
In short: Tokio Marine Safety Insurance's 3+ dealer repair suits privately used cars up to 7 years old in vehicle groups 3–5 as defined by the insurer. It covers the car in a collision with a land vehicle where the other party is identified, up to the sum insured. It does not cover theft or fire. Third-party property is covered up to THB 1,000,000. Premiums start at THB 8,500 per year for a sum insured of THB 100,000 (as of 15 October 2026). The actual premium depends on the sum insured, the vehicle code and the car model.
What does Tokio Marine Safety Insurance 3+ dealer repair cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Own damage | Up to the sum insured | Collision with a land vehicle where the other party is 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 | 1,000,000 | – |
| Personal accident | 100,000 | 7 / 12 / 3 persons, depending on the vehicle type |
| Medical expenses | 100,000 | 7 / 12 / 3 persons, depending on the vehicle type |
| Driver bail bond (criminal cases) | 200,000 | – |
This premium rate can be used for electric vehicles (EV), but optional equipment, accessories and equipment not fitted as standard by the manufacturer are not covered.
How much is the premium for Tokio Marine Safety Insurance 3+ dealer repair?
Annual premiums, including tax and duty, after deducting the good-record discount, the CCTV camera discount and the Application discount. Data as at 15 October 2026
| Sum insured (THB) | Saloon (code 110) | Codes 210 and 320 |
|---|---|---|
| 100,000 | 9,000 | 8,500 |
| 200,000 | 10,000 | 9,500 |
| 300,000 | 11,000 | 10,500 |
| 400,000 | 12,000 | 11,500 |
| 500,000 | 13,000 | 12,500 |
A sum insured of THB 100,000–300,000 needs no vehicle inspection. For THB 400,000 and 500,000 the insurer reserves the right to inspect the vehicle. The sum insured must not be higher than the value of the car. The actual premium depends on the sum insured, the car model and the insurer's underwriting decision.
CMI premiums are shown separately in the product document, including tax and duty: code 110 = THB 645.21, code 210 = THB 1,182.35, code 320 (load up to 3 tonnes) = THB 967.28.
Worked example: 3+ dealer repair compared with 2+ dealer repair, sum insured THB 300,000, saloon
- 3+ dealer repair, code 110, sum insured THB 300,000 = THB 11,000 per year
- Tokio Marine Safety Insurance's 2+ dealer repair, same sum insured = THB 11,500 per year
- The difference is 11,500 − 11,000 = THB 500 per year. What 2+ adds is theft and fire cover up to the sum insured.
- If you buy CMI for a saloon at the same time: 11,000 + 645.21 = THB 11,645.21
This example is for illustration only. The actual amount depends on your quote, and claim payments depend on the policy conditions.
Who is Tokio Marine Safety Insurance 3+ dealer repair for?
- Owners of cars up to 7 years old who want a 3+ policy that specifies dealer repair
- People who park in a safe area and worry more about colliding with another party than about theft
- Owners of vans or pickups who want personal accident cover of THB 100,000 per person
- Owners of EVs in vehicle groups 3–5 as defined by the insurer
Who should not buy this plan yet?
- People who want theft and fire cover: the premium difference from 2+ dealer repair is small. See Tokio Marine Safety Insurance 2+ dealer repair.
- Cars over 7 years old
- Cars registered to a juristic person (a company), cars used for hire, and rental cars
- Customised or modified cars, such as lowered or raised cars, or cars fitted with carbon Kevlar, stickers or colour wraps, as well as sports cars and racing cars
- Pickups with added commercial equipment such as leaf springs, crossbars, cargo cages, side rails, axles, steel wheels or cargo boxes
Limits to check before you decide
- Theft and fire are not covered
- The car is covered only in a collision with a land vehicle where the other party is identified
- Only vehicle groups 3–5 specified by the insurer are accepted, and the car must be up to 7 years old
- Optional equipment and accessories are not covered if they were not fitted as standard by the manufacturer
- The insurer does not accept cars in the Refer Risk and Decline Risk groups
Want to know how 3+ and 2+ differ overall? Read How many types of car insurance are there? How Class 1, 2 and 3 cover differs
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 check your car model, vehicle group, vehicle code and the sum insured available, and send you a written quote within a business day. 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
3+ dealer repair or 2+ dealer repair: which should you choose?
If you worry about theft or fire, 2+ adds that cover. For a saloon with a sum insured of THB 300,000 the premium difference is THB 500 per year. If you don't worry about that, 3+ has the lower premium.
Is a pickup's premium really lower than a saloon's?
According to the table, codes 210 and 320 are THB 500 lower than code 110 at each sum insured.
Does the car have to be inspected?
A sum insured of THB 100,000–300,000 needs no vehicle inspection. For THB 400,000 and 500,000 the insurer reserves the right to inspect the vehicle.
Can an EV be insured?
Yes. This premium rate can be used for electric vehicles (EV) if the model is in vehicle group 3–5 as defined by the insurer and the car is up to 7 years old.
Who approves claims: Prakanthai.com or Tokio Marine?
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 Tokio Marine Safety Insurance (Thailand) Public Company Limited's product information for Class 3+ dealer repair car insurance as at 15 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.
Price: THB 8,500
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