MSIG short-term Class 3+ insurance, 90 or 180 days, from THB 2,280

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

Underwritten by MSIG Insurance (Thailand) Public Company Limited
Premiums from THB 2,280–4,030, depending on the cover period and the excess option
Key feature: short-term Class 3+ insurance: choose 90 or 180 days of cover, so you don't pay a full year's premium in one go

You have just bought a second-hand car and plan to sell it in a few months, or it is a second car you only use when going back to your home province. A full year of insurance feels like paying for more than you use, but having none is risky.

MSIG's short-term Class 3+ insurance comes in 90-day and 180-day versions. The questions are how much it covers, how it differs from annual 3+, and which cars the insurer does not accept.

MSIG short-term Class 3+ insurance, 90 or 180 days: who is it for, and how much is the premium?

In short: MSIG's short-term Class 3+ insurance suits owners of saloons, private passenger vehicles with up to 12 seats and pickups up to 4 tonnes, aged up to 25 years, who only want cover for 90 or 180 days. It covers the car for THB 100,000 in a collision with a land vehicle where the other party can be identified, and third-party property up to THB 1,000,000. Premiums start from THB 2,280 for 90 days (information as at 15 October 2026). The actual premium depends on the cover period, the excess option and the insurer's decision.

What does MSIG short-term Class 3+ insurance cover?

Garage repair at the insurer's network garages. The table has no theft or fire cover, and accessories that are not factory standard are not covered.

How much is the premium for MSIG short-term Class 3+ insurance?

Premium per policy. Data as at 15 October 2026

Every figure is a starting premium. The THB 2,000 excess applies only to a collision with a land vehicle where you are the party at fault. The actual premium depends on the cover period, the excess option and the insurer's underwriting decision. The total including tax, duty and CMI is as stated in the quote.

Worked example: wanting half a year of cover

• Buying 90 days twice with the excess option: 2,280 × 2 = THB 4,560
• Buying 180 days once with the excess option: THB 3,719, which saves 4,560 − 3,719 = THB 841
• Average per day: the 90-day option is 2,280 ÷ 90 = about THB 25, and the 180-day option is 3,719 ÷ 180 = about THB 21
• Choosing no excess on the 180-day option costs 4,030 − 3,719 = THB 311 more. If you are at fault in a collision just once, the THB 2,000 excess is already more than this difference.

This example is for illustration only. If you will use the car for more than half a year, ask for an annual 3+ quote to compare as well.

How is short-term different from annual 3+?

The principle of cover is the same: your own car is repaired after a collision with a land vehicle where the other party can be identified. The differences are the cover period and the premium per policy. It suits the period while you wait to sell the car or transfer ownership, or a car you use only from time to time.

Note the expiry date, because a short-term policy ends sooner than many people are used to. If you forget to renew, the car has no cover from the next day.

Who is MSIG short-term Class 3+ insurance for?

• People who have bought a second-hand car and plan to sell it within a few months
• Owners of a second car used from time to time, for example when going back to their home province
• People whose previous insurance has expired but who are not ready to pay a full year's premium
• Owners of older cars, up to 25 years old, who still want their own car's repairs paid when there is another party

Who should not buy this plan yet?

• Cars of the makes Audi, Benz, BMW, Volvo and Chevrolet, imported cars and sport cars are not accepted by the insurer
• Passenger vans and cars registered to a legal entity do not qualify
• Cars used for hire, rental or commercial purposes are not insured
• Pickups fitted with a roof frame, steel frame or box, or used to carry goods are not accepted
• People who want cover for theft, fire or an accident where they hit something themselves: see Class 1 Khum Khrong Khum Kha insurance

Limits to check before you decide

1. The car is covered for no more than THB 100,000, and only in a collision with a land vehicle where the other party can be identified
2. With the excess option, you pay THB 2,000 yourself when you collide with a land vehicle and are at fault
3. Personal accident and medical expenses of THB 50,000 per person for 1 driver and 4 passengers
4. The car's value must be no less than the sum insured you choose, and only cars registered to an individual are accepted
5. Accessories that are not factory standard are not covered

Comparing several plans before you choose? Read Comparing car insurance in 2026: 10 things to check before you choose

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 (if you have one)

Our team will check whether the make, vehicle code and age of your car meet the criteria, then send you quotes for 90 days, 180 days and annual cover to compare within a business day

LINE Official: @prakanthai · Tel. +66 2 459 2223

Frequently asked questions

Can a 22-year-old Toyota be insured?

The age limit is 25 years. If the make and vehicle code qualify, send your registration book to our team and we will submit it to the insurer for consideration.

Can a private van be insured?

No. The conditions exclude passenger vans of every kind.

Can a company car registered in a legal entity's name be insured?

No. This plan accepts only cars registered to an individual.

Is dealer repair available?

The conditions specify garage repair at the insurer's network garages.

Who approves claims: Prakanthai.com or MSIG?

Underwriting and claim payments are decided by MSIG 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 product information for Class 3+ car insurance, 90-day and 180-day cover, from MSIG Insurance (Thailand) 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.