ERGO Class 3+ motorcycle insurance with no excess, from THB 2,300 per year
- Updated: 15 October 2026
ERGO Class 3+ motorcycle insurance with no excess, from THB 2,300 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by ERGO Insurance (Thailand) Public Company Limited
Premiums from THB 2,300–2,700 per year, depending on engine size (cc)
Highlights: Class 3+ motorcycle insurance that pays for repairs to your own bike in a collision with another party, with no excess and a relaxed inspection requirement
You ride your motorcycle to work every day. Every time you clip a car, only CMI helps with the people, while the repair bill for the other car and for your own bike comes out of your own pocket.
ERGO's Class 3+ motorcycle insurance starts at THB 2,300. What does it cover, and which bike conditions should you know before buying?
ERGO Class 3+ motorcycle insurance: who is it for and how much does it cost?
In short: ERGO Insurance's Class 3+ motorcycle insurance suits people who ride a privately used motorcycle up to 5 years old and want THB 10,000 for repairs to their own bike in a collision with a land vehicle where the other party can be identified. It covers the other party's property up to THB 600,000, with no excess. It does not cover theft. Premiums start from THB 2,300 per year for bikes up to 250 cc (as of 15 October 2026). The actual premium depends on engine size and the insurer's assessment.
What does ERGO Class 3+ motorcycle insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Damage to the bike (bikes aged 1–5 years) | 10,000 | Collision with a land vehicle where the other party is identified |
| Theft | Not covered | – |
| Excess (deductible) | None | – |
| Third-party bodily injury or death | THB 500,000 per person | Up to THB 20,000,000 per accident in total |
| Third-party property | 600,000 | – |
| Personal accident | 50,000 | 1 seat |
| Medical expenses | None | – |
| Driver bail bond (criminal cases) | 100,000 | – |
Covered to factory standard only; accessories are not covered
How much does ERGO Class 3+ motorcycle insurance cost?
| Engine size | Starting premium (THB per year) | Limit for the bike (bikes aged 1–5 years) |
|---|---|---|
| Up to 250 cc | 2,300 | 10,000 |
| Over 250 cc | 2,700 | 10,000 |
Information as of 15 October 2026. The actual premium depends on engine size, the model and the insurer's underwriting decision. The insurer reserves the right to change premiums without prior notice. The total including tax, stamp duty and CMI is as stated on the quote.
Worked example: a 125 cc bike rear-ends a saloon stopped at a red light
- For a bike up to 250 cc, the premium is THB 2,300 per year, about THB 192 a month on average (2,300 ÷ 12)
- The THB 25,000 repair to the other party's saloon is within the THB 600,000 third-party property limit
- Repairs to your own motorcycle cost THB 14,000 and the limit for the bike is THB 10,000, so you pay the amount above it: 14,000 − 10,000 = THB 4,000
- There is no excess (deductible), so there is nothing extra to pay on that account
This example is for illustration only. The amount actually paid depends on the damage assessment and the policy conditions.
Why get more than CMI?
CMI helps with medical expenses and bodily injury as required by law, but it doesn't pay for repairs to vehicles or the other party's property. When a motorcycle hits a car, the car's repair bill is often several times the motorcycle's. The third-party property limit is therefore the most helpful part of this plan.
Who is ERGO Class 3+ motorcycle insurance for?
- People who ride a privately used motorcycle to work or school every day
- Owners of bikes up to 5 years old who want their own bike's repairs paid after a collision with another party
- People who don't want an excess when they claim
- People who can't easily take the bike for an inspection, because this plan relaxes the inspection requirement
Who should not buy this plan yet?
- Food-delivery riders, couriers, or anyone using the bike commercially. This plan accepts private use only
- People who worry about theft. This plan doesn't cover theft. Compare Class 2+ motorcycle insurance
- Bikes over 5 years old
- Bikes registered as assembled from parts, or models with no dealer in Thailand
- Bikes registered to a juristic person, or modified bikes where you want the accessories covered
Limits to check before you decide
- The THB 10,000 limit for the bike applies only in a collision with a land vehicle where the other party is identified. Falling over on your own or the other party driving off doesn't meet this condition.
- There is no medical expenses cover for the rider. There is only personal accident cover of THB 50,000 for 1 seat
- Theft is not covered
- Third-party property cover of THB 600,000. If you hit an expensive vehicle, you are responsible for any damage above the limit
- Private use only, and accessories are not covered
To understand how Class 3, 3+ and 2+ differ, 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 (if you have one)
Our team will check the engine size, the bike's age and the model, 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
Frequently asked questions
Can I insure a bike I use for food delivery as a side job?
This plan accepts private use only and doesn't accept bikes used commercially, such as by document couriers. Tell our team how you actually use the bike so we can find a plan that fits better.
If I fall off on my own with no other party involved, can I claim for repairs?
No. This plan's limit for the bike applies only in a collision with a land vehicle where the other party is identified.
Can a big bike over 250 cc be insured?
Yes, if the bike is up to 5 years old and has a dealer in Thailand. Premiums start from THB 2,700 per year.
Do I have to take the bike for an inspection?
This plan relaxes the inspection requirement. You can send your registration book to our team to check first.
Who approves claims: Prakanthai.com or ERGO?
Underwriting and claim payments are decided by ERGO Insurance. As your broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The coverage and premium information on this page is based on ERGO Insurance (Thailand) Public Company Limited's product information for Class 3+ motorcycle 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 2,300
Apply online
Fill in the car, registered owner and keeper details and the Prakanthai team will call you back to arrange the policy.
How it works
Quote or apply
Send the form or message us. It takes a few minutes.
We confirm
We check the details and the price with you within one working day.
You pay
Pay the insurer directly or pay us. We send the details on LINE.
Policy issued
The insurer issues your policy and we send it to you.