Muang Thai 3+ Save insurance for cars up to 20 years old, from THB 6,400 per year
- Updated: 15 October 2026
Muang Thai 3+ Save insurance for cars up to 20 years old, from THB 6,400 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Muang Thai Insurance Public Company Limited
Premiums from THB 6,400–10,700 per year, depending on the sum insured and vehicle type
Highlights: Class 3+ insurance that accepts cars up to 20 years old, with 9 sum insured levels up to THB 500,000, and the same premium for saloons and pickups
A twelve-year-old saloon is worth less than half its original market value, so Class 1 isn't worth it. But if another car hits you squarely, the repair bill is still in the hundreds of thousands of baht, just as before.
What does Muang Thai Insurance's 3+ Save insurance cover, what is the premium at each sum insured, and which kinds of accident does it not pay for?
Muang Thai 3+ Save insurance: who is it for and how much does it cost?
In short: Muang Thai 3+ Save insurance suits privately used saloons in groups 3–5, pickups and vans up to 20 years old. It covers the car in a collision with a land vehicle where the other party can be identified, with a sum insured of THB 100,000–500,000 and third-party property cover of THB 1,000,000. It does not cover theft or fire. Premiums start from THB 6,400 per year at a sum insured of THB 100,000 (as at 15 October 2026). The actual premium depends on the sum insured, the vehicle type and the insurer's assessment.
What does Muang Thai 3+ Save insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Own damage | Up to the sum insured | Collision with a land vehicle where the other party is identified |
| Theft / fire | Not covered | – |
| Third-party bodily injury or death | THB 500,000 per person | Up to THB 20,000,000 per accident in total |
| Third-party property | 1,000,000 | – |
| Personal accident | 100,000 | 5 seats |
| Medical expenses | 100,000 | 5 seats |
| Driver bail bond (criminal cases) | 200,000 | – |
A land vehicle under this condition means a vehicle driven by an engine or by electricity, including motorcycles, trailers, trains and trams
How much does Muang Thai 3+ Save insurance cost?
| Sum insured (THB) | Saloon (110) / Pickup (320) | Van (210) |
|---|---|---|
| 100,000 | 6,400 | 6,700 |
| 150,000 | 6,700 | 7,000 |
| 200,000 | 7,000 | 7,500 |
| 250,000 | 7,200 | 7,900 |
| 300,000 | 7,300 | 8,400 |
| 350,000 | 7,700 | 9,100 |
| 400,000 | 7,900 | 9,600 |
| 450,000 | 8,200 | 10,200 |
| 500,000 | 8,600 | 10,700 |
Information as of 15 October 2026. Every figure is a starting premium. The actual premium depends on the sum insured, the vehicle type, the car's age and the insurer's underwriting decision. The total including tax, stamp duty and CMI is as stated on the quote.
Worked example: a saloon with a sum insured of THB 300,000 versus THB 500,000
- Sum insured THB 300,000: premium THB 7,300 per year, about THB 608 a month on average (7,300 ÷ 12)
- Sum insured THB 500,000: premium THB 8,600 per year
- Pay an extra 8,600 − 7,300 = THB 1,300 per year for THB 200,000 more cover on the car
- But the sum insured can't be higher than the car's market value. If the car's market value is THB 350,000, a sum insured of THB 500,000 isn't possible.
This is an illustration only. The sum insured actually available depends on the car's market value, and what is actually paid depends on the damage assessment.
In which kinds of accident does this 3+ plan not pay for repairs to my own car?
This plan's conditions state clearly that damage to the car from overturning, hitting a house fence, natural disasters and other perils that are not a collision with a land vehicle where the other party is identified is not covered. Examples are hitting a pothole and damaging the suspension, reversing into a post in a car park, or a flooded car.
If you use the car in other provinces, often drive on unlit roads or park in an area that floods easily, these risks are real. Compare with a 2+ plan or Class 1 before deciding.
Who is Muang Thai 3+ Save insurance for?
- Owners of cars up to 20 years old for whom Class 1 is no longer worth it, but who still want their own car's repairs paid after a collision with another party
- Owners of privately used pickups who want the same premium as a saloon
- Owners of privately used vans with up to 15 seats
- People who want to choose the sum insured in fine steps of THB 50,000
Who should not buy this plan yet?
- People who worry about the car overturning or hitting something on its own. This plan doesn't cover overturning or hitting a house fence. See Muang Thai Class 2+ rollover cover
- People who worry about theft or fire
- Imported cars and supercars such as Porsche, Bentley and Rolls-Royce, and cars for which replacement parts can no longer be found
- Cars worth less than THB 100,000, or cars used for hire or rent, lowered or street-tuned cars, racing cars and modified cars
- Pickups fitted with a canopy, a cage higher than the cab, or a solid box, dry box or refrigerated box
Limits to check before you decide
- Overturning, hitting a house fence, natural disasters and other perils are not covered. The car is covered only in a collision with a land vehicle where the other party is identified
- Theft and fire are not covered
- The sum insured must not be higher than the car's market value on the date of application
- Personal accident and medical expenses cover 5 seats, even though a van can seat more
- Cars up to 20 years old are accepted, counted by registration year
Not sure how Class 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
Our team will check the vehicle group, the car's age and the sum insured available for its market value, 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
If I collide with a motorcycle, can I claim for the car?
Yes, if the other party is identified, because the definition of a land vehicle in the conditions includes motorcycles.
If I run off the road or overturn on my own, can I claim?
No. The conditions state clearly that damage to the car from overturning, hitting a house fence, natural disasters and other perils is not covered.
Can an 18-year-old car be insured?
Yes. This plan accepts cars up to 20 years old by registration year, if the car is in an accepted group and is worth at least THB 100,000.
Can a pickup with a Carryboy canopy be insured?
This plan does not accept pickups fitted with a canopy, a cage higher than the cab, or a solid box, dry box or refrigerated box.
Who approves claims: Prakanthai.com or Muang Thai Insurance?
Underwriting and claim payments are decided by Muang Thai 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 Muang Thai Insurance Public Company Limited's product information for Muang Thai 3+ Save 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.
Price: THB 6,400
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