Bangkok Insurance Class 3+ insurance with no excess and no vehicle inspection, THB 6,500

Premium data as of 15 October 2026 · compiled by Prakanthai.com

Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 6,500 per year, sum insured THB 100,000
Highlights: Class 3+ insurance with no excess (deductible) and no vehicle inspection, accepting cars aged 2 years and over

A car that has been in use for ten years and is not worth much now, but still drives to work every day. You worry about rear-ending the car in front and having to pay for both cars' repairs yourself, and you don't want to spend time booking a vehicle inspection.

Bangkok Insurance's 3+ Special insurance has a single price of THB 6,500. What does it cover, and what does it not cover?

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

In short: Bangkok Insurance's 3+ Special suits privately used saloons with up to 7 seats and pickups, aged 2 years or older. It covers the car in a collision with a land vehicle where the other party is identified, up to THB 100,000, plus liability to the other party. There is no excess (deductible) and no vehicle inspection, and theft and fire are not covered. Premiums from THB 6,500 per year (as at 15 October 2026). The actual premium depends on the insurer's assessment.

What does 3+ Special insurance cover?

Personal accident and medical expenses: for saloons, covers the driver and 6 passengers; for pickups, covers the driver and 2 passengers. Repairs at Bangkok Insurance's standard network garages

How much does 3+ Special insurance cost?

Data as at 15 October 2026. This plan has a single sum insured. The actual premium depends on the vehicle type, the car's model and the insurer's underwriting decision. The total including tax, duty and CMI is as stated in the quote.

Worked example: you rear-end another car, and the repair bill for your own car is THB 130,000

• Premium THB 6,500 per year, on average 6,500 ÷ 12 = about THB 542 a month
• The repair to the other party's car is within the THB 1,000,000 third-party property limit
• The repair to our car is THB 130,000 and the car limit is THB 100,000, so the excess over the limit, 130,000 − 100,000 = THB 30,000, is paid by you
• This plan has no excess (deductible), so you pay nothing extra on that account

This example is for illustration only. The amount actually paid depends on the damage assessment and the policy conditions.

Is the THB 100,000 car limit enough for our car?

Think of the accidents that happen most often, such as rear-end collisions, side swipes or being squeezed while changing lanes. Most of the damage is to the bumper, headlights, bonnet or doors. If your car is a model whose parts are easy to find and not expensive, a THB 100,000 limit is more likely to cover this kind of incident than it would be for a car with expensive parts.

But if the car is still worth a lot, or is regularly parked overnight outside the house, note that theft and fire are not covered by this plan. Compare it with a 2+ plan, whose sum insured follows the car's value, and see whether the extra premium is worth the lower risk.

Who is 3+ Special insurance for?

• Owners of older cars worth no less than THB 100,000 who want a 3+ with one simple price
• People who do not want to book a vehicle inspection
• People who don't want an excess when they claim
• Owners of popular models, such as Vios, Yaris, Altis, City, Civic, Jazz, D-Max, Vigo, Navara, Triton, Ranger and Fortuner

Who should not buy this plan yet?

• People who want cover for theft or fire: this plan does not cover them. See 2+ Chubb Eco insurance for cars up to 25 years old, which includes theft and fire
• Cars whose average repair cost is above THB 100,000: the car limit is only THB 100,000
• Cars under 2 years old or worth less than THB 100,000
• Cars used for hire or rental
• People who want cover when they hit something themselves or when the other party can't be identified

Limits to check before you decide

1. Theft and fire are not covered
2. The car is covered for up to THB 100,000, and only in a collision with a land vehicle where the other party is identified
3. Personal accident and medical expenses of THB 50,000 per person
4. Covers only equipment fitted at the factory, not additional accessories
5. The policy takes effect once the premium is paid. Pay before your current insurance expires.

Want to understand the excess (deductible) before comparing other plans? Read Excess vs Deductible: what is the difference?

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 the car's model and age, then 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

Related documents and links: Find Bangkok Insurance network garages and service centres · Fill in your details to request a quote

Frequently asked questions

Can a 15-year-old car be insured?

This plan accepts cars aged 2 years and over, worth no less than THB 100,000. Send your registration book to our team to check the model with the insurer.

Does the car have to be inspected?

No. This plan needs no vehicle inspection.

What does having no excess (deductible) mean?

When you claim for damage that is covered, there is no excess you have to pay first, but the THB 100,000 car limit is still the ceiling.

Can I claim if my car is stolen while parked?

No. This plan does not cover theft or fire.

How many people are covered in a pickup?

Personal accident and medical expenses cover for a pickup covers the driver and 2 passengers, 3 people in total

Who approves claims: Prakanthai.com or Bangkok Insurance?

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

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