Viriyah 3+ insurance, same premium for saloons and pickups, from THB 6,600
- Updated: 15 October 2026
Viriyah 3+ insurance, same premium for saloons and pickups, from THB 6,600
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Viriyah Insurance Public Company Limited
Premiums from THB 6,600–11,000 per year, depending on the sum insured, including tax and duty
Highlight: Class 3+ insurance at the same price for both saloons and pickups (codes 110, 210, 320), with 9 sum insured levels to choose from
Your household has a saloon for driving in the city and a pickup for work. Every renewal you have to compare prices car by car until it gets confusing, because each vehicle type is priced differently.
Viriyah's 3+ Single Rate uses the same premium for saloons and pickups. What does it cover, how much is the premium at each sum insured, and what is not covered?
Viriyah 3+ Single Rate insurance: who is it for, and how much is the premium?
In short: Viriyah 3+ Single Rate suits saloons and pickups with codes 110, 210 and 320 that are not used for hire or rental. It covers the car in a collision with a land vehicle where the other party is identified, up to the sum insured, with third-party property cover of THB 1,000,000. It does not cover theft or fire. Premiums start at THB 6,600 per year for a sum insured of THB 100,000 (as of 15 October 2026). The actual premium depends on the sum insured and the insurer's assessment.
What does Viriyah 3+ Single Rate 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 | 50,000 | According to the number of seats in the policy |
| Medical expenses | 50,000 | According to the number of seats in the policy |
| Driver bail bond (criminal cases) | 200,000 | – |
How much is the premium for Viriyah 3+ Single Rate insurance?
Annual premiums, including tax and duty. The same rate applies to codes 110, 210 and 320, and includes the CCTV camera discount and the Application discount for reporting accidents. Data as at 15 October 2026
| Sum insured (THB) | Starting premium (THB per year) | Sum insured / starting premium |
|---|---|---|
| 100,000 | 6,600 | 350,000 / 9,400 |
| 150,000 | 7,300 | 400,000 / 9,900 |
| 200,000 | 7,700 | 450,000 / 10,500 |
| 250,000 | 8,300 | 500,000 / 11,000 |
| 300,000 | 8,800 | – |
Every figure is a starting premium. The actual premium depends on the sum insured, the vehicle type and the insurer's underwriting decision. The total including CMI is as stated in the quote.
Worked example: increasing the sum insured from 200,000 to 300,000
- A sum insured of THB 200,000 costs THB 7,700 per year, about 7,700 ÷ 12 = THB 642 a month on average
- A sum insured of THB 300,000 costs THB 8,800 per year
- You pay 8,800 − 7,700 = THB 1,100 per year more, and get THB 100,000 more to repair your car in a collision with the other party
- If the repairs to your car cost THB 250,000, a sum insured of THB 200,000 leaves THB 50,000 above the limit, while a sum insured of THB 300,000 keeps the cost within the limit
This example is for illustration only. The sum insured you can actually have depends on the value of the car, and the amount actually paid depends on the damage assessment.
How much sum insured should you choose?
With 3+, the sum insured is the ceiling on repair costs for your own car when you collide with another party. It is not used to calculate a payout if the car is stolen, so you don't need to match it to the car's value. Look at the heavy repair bill likely for your model, for example a full front-end crash, airbags deploying, or several major parts being replaced.
If the model has inexpensive parts, a mid-range sum insured may be enough. But if the car is new or its parts are expensive, each extra THB 50,000 of sum insured adds about THB 400–700 per year according to the table. Compare two or three levels in the quote before deciding.
Who is Viriyah 3+ Single Rate insurance for?
- Households with both a saloon and a pickup who want the same premium rate for every car
- Owners of pickups used commercially (code 320) that do not carry high-risk goods
- People who want their own car's repairs paid after a collision with another party, but don't want to pay Class 1 premiums
- People who want to choose a sum insured close to the likely repair cost, because the sum insured goes up in steps of THB 50,000
Who should not buy this plan yet?
- People worried about theft or fire: 3+ does not cover them.
- People who want cover when they hit something themselves or when the other party can't be identified
- Cars used for hire or rental
- Pickups with code 210 used to carry goods, and pickups with code 320 carrying fuel, acids or gas
- People who want a high personal accident limit: this plan gives THB 50,000. See Bangkok Insurance 3+ no-excess insurance to compare other conditions.
Limits to check before you decide
- Theft and fire are not covered
- 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
- Personal accident and medical expenses of THB 50,000 per person
- Conditions of use depend on the vehicle code: code 210 must not carry goods, and code 320 must not carry high-risk goods
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 code and the sum insured that can be arranged, 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
Do saloons and pickups really pay the same premium?
According to this premium table, codes 110, 210 and 320 use the same rate at every sum insured. For example, a sum insured of THB 300,000 costs THB 8,800.
Where do I find my vehicle code?
The vehicle code is set by the type of vehicle and how it is used. Send us your registration book and our team will check the code for you.
Can you claim if the car is stolen?
No. This 3+ plan does not cover theft or fire.
My pickup carries goods to customers. Which code applies?
The conditions say that code 210 is not used to carry goods, while code 320 is a pickup used commercially. Our team will check the code that matches how you actually use the vehicle.
Who approves claims: Prakanthai.com or Viriyah?
Underwriting and claim payments are decided by Viriyah Insurance. Prakanthai.com, as the broker, helps coordinate and follow up for you.
Notes
The coverage and premium information on this page is based on Viriyah Insurance Public Company Limited's product information for Class 3+ Single Rate 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 6,600
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