Class 3+ insurance, no car age limit, Deves Sabai Krapao, from THB 4,800

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

Underwritten by Deves Insurance Public Company Limited
Premiums from THB 4,800 per year, including tax and duty
Highlights: single-price Class 3+ insurance with no car age limit, which pays up to THB 100,000 to repair your own car in a collision with a vehicle where the other party can be identified

A 15-year-old pickup carries goods to the market every morning. Many insurers do not offer 3+ because the car is over their age limit, so the only cover available is Class 3, which does not repair your own car.

3+ insurance with no car age limit: how much is the premium, how much does it cover and which cars qualify?

Deves Class 3++ Sabai Krapao insurance: who is it for and how much is the premium?

In short: Deves Insurance's Class 3++ Sabai Krapao is single-price 3+ insurance for group 3–5 saloons and pickups up to 4 tonnes used privately, with no car age limit. It covers your own car up to THB 100,000 in a collision with a land vehicle where the other party is identified, and third-party property up to THB 600,000. It does not cover theft or fire. Premiums start from THB 4,800 per year (as at 15 October 2026). The actual premium depends on the insurer's decision.

What does Class 3++ Sabai Krapao insurance cover?

The number of seats covered includes the driver

How much is the premium for Class 3++ Sabai Krapao insurance?

The premium is from THB 4,800 per year, including tax and duty (as at 15 October 2026). This rate already averages in the CCTV camera discount. It applies to group 3–5 saloons and pickups up to 4 tonnes. The actual premium is as stated in the quote and subject to the insurer's underwriting decision.

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

• The car's sum insured is THB 100,000, so the insurer considers paying up to THB 100,000
• You pay the remaining 130,000 − 100,000 = THB 30,000 yourself
• The THB 90,000 damage to the other party's car is within the THB 600,000 third-party property limit
• Average premium per month: 4,800 ÷ 12 = THB 400

This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. The rule of thumb: this plan suits cars whose repair bills are mostly no more than THB 100,000.

Who is Class 3++ Sabai Krapao insurance for?

• Owners of older cars that are over the age limit of many 3+ plans, because this plan has no car age limit
• Owners of pickups up to 4 tonnes used privately who want the insurance to repair their car when they hit another vehicle
• People who want single-price 3+ insurance with no sum insured to choose
• People who park their car somewhere safe and are not worried about theft

Who should not buy this plan yet?

• People worried about theft or fire: this plan doesn't cover them. See 2+ Chubb Eco insurance
• Cars for hire, rental cars, customised cars, modified cars and haulage vehicles: this plan does not accept them
• Vehicles carrying high-risk goods such as fuel, acids and gas are not accepted
• Cars whose repair bills often exceed THB 100,000: this plan's sum insured for the car is THB 100,000. See 3+ Chubb Eco insurance, where you can choose a sum insured of up to THB 200,000
• Cars that regularly carry more than 5 people: personal accident cover applies to a 5-seat saloon

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 or a wall, or the other party driving off, doesn't qualify
2. The car's sum insured of THB 100,000 is not adjusted to the car's value
3. Theft and fire are not covered
4. Only group 3–5 saloons and pickups up to 4 tonnes are accepted, for private use
5. Third-party property cover is THB 600,000. If you hit an expensive car, you pay anything above that yourself.

Not sure whether to choose 3+ or 2+? Read How many types of car insurance are there? How Class 1, 2+ and 3+ cover differs

Want to know whether your car can be insured? 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 the car is in a group the insurer accepts, and send you a written quote within a business day, with CMI if you want it. 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 25-year-old car be insured?

This plan has no car age limit, as long as the car is in a group the insurer accepts, is used privately and has not been modified.

What kind of car is a group 3–5 saloon?

It is the insurer's grouping of cars. Send a photo of the registration book page and our team will check which group your car is in.

How is it different from ordinary 3+ insurance?

This plan has a single price and no car age limit, but the sum insured for the car is fixed at THB 100,000, whereas many 3+ plans let you choose the sum insured but limit the car's age.

Can a pickup used to carry goods for sale be insured?

This plan accepts pickups used privately. It does not accept haulage vehicles or vehicles carrying high-risk goods. Send us the details of how the vehicle is used and our team will check first.

Does the premium already include the dashcam discount?

This premium rate already averages in the CCTV camera discount.

Who approves claims: Prakanthai.com or Deves Insurance?

Underwriting and claim payments are decided by Deves Insurance. As your 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 the Class 3++ Sabai Krapao product information of Deves Insurance Public Company Limited 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.