Aioi Bangkok 3+ insurance for saloons and pickups aged 2–20 years, from THB 4,599

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

Underwritten by Aioi Bangkok Insurance Public Company Limited
Premiums from THB 4,599–10,000 per year, depending on the sum insured and vehicle type
Highlights: fixed premiums by sum insured, with a saloon at a THB 100,000 sum insured starting at under THB 5,000

Your car is more than five years old and renewing Class 1 would cost over THB 10,000, but you still want the insurance to pay for your own car's repairs when another vehicle hits you. Would a 3+ with a modest sum insured be enough?

Aioi Bangkok's 3+ insurance answers this with a low premium, but the sums insured you can choose are tied to car age, and there is no theft or fire cover. Check this carefully before you decide.

Aioi Bangkok 3+ insurance: who is it for and how much does it cost?

In short: Aioi Bangkok 3+ insurance suits owners of privately used saloons or pickups aged 2–20 years who want the insurance to pay for repairs to their own car after a collision with a vehicle where the other party can be identified, with a sum insured of THB 100,000–500,000 plus third-party liability. Premiums start at THB 4,599 per year (saloon, sum insured THB 100,000, data as at 28 October 2026, CMI not yet included). The actual premium depends on the vehicle type, the car's age and the sum insured you choose.

What does Aioi Bangkok 3+ insurance cover?

Roughly how much is the premium for Aioi Bangkok 3+ insurance?

Annual premiums, excluding CMI. Data as at 28 October 2026

Every figure is a starting premium. "–" means that sum insured is not offered for pickups. The premiums in the table already include the camera discount, the app discount and the named-driver discount. The actual premium depends on the vehicle type, the car's age and the sum insured you choose. The amount you actually pay is the one on your quote.

CMI bought separately: saloon THB 645.21 · pickup THB 967.28

A worked example to illustrate

Saloon with a THB 200,000 sum insured, bought together with CMI
5,300 + 645.21 = THB 5,945.21 per year

How much more do you pay to raise the sum insured from THB 100,000 to THB 300,000?
5,899 − 4,599 = THB 1,300 more per year for THB 200,000 more repair cover, but sums insured of THB 300,000 and above are available only for cars up to 10 years old (see the limitations section)

As a rule of thumb, choose the sum insured based on the heavy repair bill you could cope with, not the car's price, because 3+ pays only for collisions where another vehicle is involved

Who is Aioi Bangkok 3+ insurance for?

• Owners of privately used saloons (code 110) or pickups (code 320), with a car aged 2–20 years
• People who mainly drive on busy roads, where the main risk is colliding with another vehicle
• People who want to keep the premium low and understand that theft and fire are not covered
• People who are willing to name the drivers and fit a camera to get this premium rate

Who should not buy this plan yet?

People worried about theft or fire
The 3+ plan does not cover this. If you want it, see Aioi Bangkok 2+ insurance, which adds theft and fire at not much extra premium

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

Electric cars, imported cars or group 1–2 cars
This plan does not accept them. If you have an EV, see Viriyah EV 2+ insurance with dealer repair

Cars used for hire, rental cars, sports cars or customised cars
This plan does not accept vehicles for hire, public hire vehicles, rental vehicles, sports cars, modified vehicles or tuned cars

Pickups fitted with a refrigeration unit, hydraulics or a crane
This plan accepts only cars with no special added equipment

What limitations should you check before deciding?

1) The sums insured you can choose are tied to car age
A sum insured of THB 100,000 accepts cars aged 2–20 years · a sum insured of up to THB 200,000 accepts cars aged 2–15 years · a sum insured of up to THB 500,000 accepts cars aged 2–10 years. So a car aged 16–20 years can only choose a sum insured of THB 100,000

2) It must be a collision with a land vehicle where the other party is identified
If the other party drives off after hitting you, or you hit an object yourself, the car is not covered

3) Theft and fire are not covered
That cover is available only on the 2+ plan

4) Fixed premium rates; no good-record discount on renewal
Even if you never claim, next year's premium will not come down through a good-record discount

5) The premium excludes compulsory motor insurance (CMI)
See your quote for the actual total before you pay.

To compare Class 1, 2+ and 3+ clearly first, 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

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 is in an accepted group and what sum insured you can choose for its age, then send a written quote back within a business day, showing the total premium, the repair conditions and compulsory motor insurance (CMI) if you want it at the same time. 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 17-year-old car have a THB 200,000 sum insured?

No. Cars over 15 years old can choose only a THB 100,000 sum insured, which accepts cars up to 20 years old.

Why is a pickup's premium higher than a saloon's at the same sum insured?

The insurer sets premium rates by vehicle code. At a THB 100,000 sum insured, a code 320 pickup starts at THB 8,500 while a code 110 saloon starts at THB 4,599, and pickups can choose a sum insured of up to THB 200,000.

If I never claim, will the premium go down next year?

This plan has fixed premium rates, with no good-record discount on renewal

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: match your cover dates to your vehicle tax

I have a Toyota and want dealer repair. Which 3+ plans are there?

Aioi Bangkok has a separate 3+ insurance with dealer repair for Toyota cars, which accepts cars up to 10 years old and has a higher premium than this plan

Who approves claims: Prakanthai.com or Aioi Bangkok?

Underwriting and claim payments are decided by Aioi Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.

Notes
The coverage and premium information on this page is based on Aioi Bangkok Insurance Public Company Limited's product information for Class 3+ car insurance 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.