Tokio Marine Class 3+ insurance with no car age limit, from THB 5,700

Premium data as of 28 October 2026 · compiled by Prakanthai.com

Underwritten by Tokio Marine Safety Insurance (Thailand) Public Company Limited
Premiums from THB 5,700–7,500 per year, depending on the sum insured and vehicle type, including tax and duty
Highlights: a 3+ that covers theft and fire, with no car age limit and no vehicle inspection in this campaign

Your car is more than twenty years old, and many insurers no longer offer 2+ for it. That leaves only Class 3, which does nothing for your own car. If it is stolen while parked outside your home, or another car hits it, you get nothing back.

In this campaign, Tokio Marine Safety Insurance's 3+ has no car age limit. It covers collisions with a vehicle where there is another party, plus theft and fire, up to the sum insured you choose, but there are conditions on vehicle groups and car modifications that you should check first.

Tokio Marine Safety Insurance 3+: who is it for and how much does it cost?

In short: Tokio Marine Safety Insurance 3+ suits owners of privately used saloons, pickups or vans of any age who want cover for the car in a collision with a vehicle where the other party can be identified, plus theft and fire, with a sum insured of THB 50,000–300,000, and no vehicle inspection. Premiums start at THB 5,700 per year (saloon or pickup, sum insured THB 50,000, data as at 28 October 2026, incl. tax and stamp duty, excluding CMI). The actual premium depends on the vehicle type, the model and the sum insured you choose.

What does Tokio Marine Safety Insurance 3+ cover?

Roughly how much is the Tokio Marine Safety Insurance 3+ premium?

Annual premiums, including tax and stamp duty, excluding CMI. Data as at 28 October 2026

All figures are starting premiums, with the no-claims discount, the CCTV camera discount and the app discount already deducted. They apply to car models in vehicle groups 3–5 as specified by the insurer. The actual premium depends on the vehicle type, the model and the sum insured you choose. The amount you actually pay is the one shown on the quote.

CMI bought separately (incl. tax and stamp duty): saloon, code 110, THB 645.21 · van, code 210, THB 1,182.35 · pickup, code 320 (up to 3 tonnes), THB 967.28

A worked example to illustrate

Pickup with a THB 150,000 sum insured, bought together with CMI
6,300 + 967.28 = THB 7,267.28 per year

Is a higher sum insured worth it?
Each extra THB 50,000 of sum insured adds THB 300 to the premium. For example, raising the sum insured from THB 100,000 to THB 200,000: 6,600 − 6,000 = pay an extra THB 600 per year for a limit on collision, theft and fire that is THB 100,000 higher.

A simple rule: set the sum insured as close as you can to the car's current value, because a theft or fire claim pays no more than the sum insured, and the sum insured cannot be higher than the car's value.

Who is Tokio Marine Safety Insurance 3+ for?

• Owners of older cars that many plans no longer accept, because this plan has no car age limit (except Chevrolet)
• Saloons, pickups or vans used privately or as company cars
• People who park outside their home and want theft and fire cover
• People who find it inconvenient to book a vehicle inspection

Who should not buy this plan yet?

Electric vehicles (EV)
This premium rate cannot be used for EVs. See Viriyah EV Class 2+ insurance with dealer repair

Cars registered to a company, cars used for hire, or rental cars
This plan only accepts private cars and company cars. If you drive for Grab or Bolt, see Class 1 RY.18 insurance for Grab/Bolt cars

Modified cars or pickups fitted with commercial equipment
Not accepted: sports cars, racing cars, modified cars, lowered or raised cars, cars with engine modifications, added gauges, carbon or Kevlar parts, stickers or colour wraps; also not accepted are pickups with reinforced leaf springs or fitted with beams, cages, rails, axles, steel wheels or cargo boxes

Chevrolet cars over 5 years old
This plan only accepts Chevrolets up to 5 years old

People who drive or park in tight spaces, with a risk of hitting a post or a wall
If you hit an object and no other vehicle is involved, the car is not covered. Compare Viriyah Class 1 First Loss insurance (accepts cars 2–20 years old)

What limitations should you check before deciding?

1) The other party must be identified
Damage to the car is covered only in a collision with a land vehicle where the other party is identified. If you are hit and the other party drives off, the car is not covered.

2) The sum insured must not exceed the car's value at the time of application
The highest sum insured in the table is THB 300,000. The insured pays any repair costs or car value above the sum insured.

3) Only car models in vehicle groups 3–5 as specified by the insurer are accepted
Send us your car model first so we can check it is in an accepted group

4) No separate limit for accessories
Covered within the same sum insured as the car

5) The premium excludes compulsory motor insurance (CMI)
See your quote for the actual total before you pay.

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 whether your car model is in an accepted group, then send you a written quote within a business day, showing the sum insured you can set, the total premium, and CMI if you want it at the same time. 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 really be insured?

This 3+ plan has no car age limit, except for Chevrolet, which is accepted up to 5 years old, but the car model must be in vehicle groups 3–5 as specified by the insurer.

Can an old car worth less than THB 50,000 be insured?

The sum insured must not exceed the car's value at the time of application, and the lowest sum insured in the table is THB 50,000. Send us your car details to check first.

Is there a Tokio Marine Safety Insurance 2+ plan to compare?

Yes. See Tokio Marine Safety Insurance 2+ for older cars, which accepts cars up to 20 years old, then ask for quotes to compare the two plans on the same car.

Can I get compulsory motor insurance (CMI) at the same time?

Yes. Mention it when you ask for a quote. If you want to check that the cover dates line up with your tax renewal first, read New CMI rules from 1 September 2026

Who approves claims: Prakanthai.com or Tokio Marine Safety Insurance?

Underwriting and claim payments are decided by Tokio Marine Safety Insurance. As your broker, Prakanthai.com helps coordinate and follow up for you.

Notes
The coverage and premium information on this page is based on Tokio Marine Safety Insurance (Thailand) Public Company Limited's product information for Class 3+ car insurance as at 28 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. Please read the policy and the quote in full before deciding.