Viriyah Class 3+ truck insurance

Viriyah Truck Super Save Class 3+ insurance for trucks and tractor units

An insurance plan for trucks and tractor units used for commercial purposes in your own business, not for hire or rental. Choose cover of THB 100,000–300,000 for damage to the insured vehicle in a collision with a land vehicle under the conditions, plus third-party liability.

Total premium from THB 16,900 per year

What is Truck Super Save 3+?

Truck Super Save 3+ is Viriyah Insurance's Class 5 (3+) motor insurance for qualifying trucks (code 320) and tractor units (code 420) used for commercial purposes but not for hire or rental. It covers damage to the insured vehicle in a collision with a land vehicle up to the sum insured you choose, along with third-party liability, personal accident, medical expenses and driver bail bond, up to the policy limits.

Which vehicles may qualify for this plan

• Trucks, code 320, with a gross weight over 4 and up to 12 tonnes, or over 12 tonnes

• Tractor units, code 420, with a gross weight over 8 tonnes

• Used in your own business and not for hire or rental

• Not used to carry goods the insurer classes as high-risk, such as fuel, acids and gas

• You accept the scope of 3+ insurance, which covers the insured vehicle in a collision with a land vehicle under the conditions and is not Class 1-style cover

Not sure whether your vehicle is code 320 or 420? Don't go by the number of wheels alone. Send a photo of the registration book, the gross weight, how it is used and photos of the vehicle for our team to do an initial check.

Truck Super Save 3+ highlights

Choose a sum insured that fits your risk

Choose cover of THB 100,000, 200,000 or 300,000 for damage to the insured vehicle, to match your budget to the vehicle's value and how much risk your business can bear.

For both trucks and tractor units

Rates are available for trucks (code 320) and tractor units (code 420) in set weight bands, with separate rates for vehicles with special extra equipment

Third-party liability cover

Covers bodily injury or death of third parties up to THB 500,000 per person and up to THB 20,000,000 per accident in total, plus property damage up to THB 1,000,000 per accident, subject to the policy conditions.

Cover for the driver and passengers, up to the set number

Personal accident and medical expenses for 1 driver and 2 passengers at THB 100,000 each, plus driver bail bond (criminal cases) of THB 300,000 per accident, subject to the policy conditions.

Coverage table

Total annual premium table

Key conditions before you decide

• The premium rates above already include discounts, and no further discounts are given on top

• The premium rates already include the discount for meeting the CCTV camera and accident-reporting Application conditions. Applicants should ask about the procedures and evidence the insurer requires before buying.

• Only trucks and tractor units used for commercial purposes, but not for hire or rental, are accepted

• The insurer reserves the right to decline vehicles used to carry high-risk goods such as fuel, acids and gas

• Acceptance depends on the vehicle details, actual use, vehicle condition, installed equipment and the insurer's criteria

• Cover, exclusions, any excess (deductible) and claim payments are subject to the policy, its endorsements and the insurer's assessment

• This rate ends on 31 December 2026 or until the insurer changes it

This 3+ insurance is not Class 1

This plan's cover for damage to the insured vehicle is tied to collisions with a land vehicle under the conditions. 3+ insurance generally does not cover accidents with no other party, theft, fire or flood, unless the policy or an endorsement states otherwise. So compare the risk you would carry yourself with the difference in premium before you decide.

Information for an initial check

1. Photo of the vehicle registration book

2. Gross vehicle weight

3. How the vehicle is actually used

4. Type of goods or materials carried

5. Photos of the vehicle and any extra equipment fitted

6. Expiry date of your current policy

7. Number of vehicles you want to insure

Send your details to Prakanthai.com for an initial check

Prakanthai.com receives your information and gives advice as a non-life insurance broker, licence no. 5104000004. Acceptance and policy issuance are decided by Viriyah Insurance Public Company Limited.

Frequently asked questions

Who is Truck Super Save 3+ for?

It suits business owners who have trucks or tractor units for use in their own business, not for hire or rental, and who want to keep insurance costs down while still covering the insured vehicle in a collision with a land vehicle up to the chosen sum insured.

Can a vehicle used for hired haulage take this plan?

This plan states that it does not accept vehicles used for hire or rental. If your vehicle is paid to carry goods for others, tell our team how it is really used so we can find a plan of the right type. Never misstate how the vehicle is used, as this may affect acceptance and claim assessment.

Can every 6-wheel or 10-wheel truck be insured?

Don't go by the number of wheels alone. The vehicle code, gross weight, use, type of goods carried, installed equipment and the insurer's criteria must be checked first.

What is the difference between code 320 and code 420?

In this plan, code 320 is for trucks in the set weight bands and code 420 is for tractor units under the insurer's conditions. If you are not sure, send photos of the registration book and the vehicle for our staff to check, rather than choosing a code yourself from what the vehicle is commonly called.

What counts as a vehicle with special extra equipment?

It depends on the equipment, body or additional fittings on the vehicle under the insurer's criteria. As this affects the premium rate, always send photos of the actual vehicle and details of the equipment for checking.

If you hit a post or wall, or overturn on your own, will repairs to your vehicle be covered?

This 3+ plan covers damage to the insured vehicle in a collision with a land vehicle under the conditions, so accidents with no other party should not be presented as covered, unless the policy documents state otherwise.

Does it cover theft, fire or flood?

3+ insurance generally does not cover theft, fire or flood, unless an endorsement or the policy wording states additional cover. Check the schedule and policy before you buy.

Does the THB 16,900 premium apply to every vehicle?

No. It is the starting premium for code 320 trucks with a gross weight over 4 and up to 12 tonnes, a sum insured of THB 100,000 and no special extra equipment. Other vehicle types or sum insured options have different premiums.

Why do you have to say what the vehicle carries?

The type of goods affects the level of risk and acceptance. This plan reserves the right to decline high-risk goods such as fuel, acids and gas. Giving true information keeps the policy matched to how the vehicle is used and reduces problems later.

Are you covered as soon as you send your details?

Not immediately. Our team must do an initial check of your details, submit the application to the insurer for consideration, and complete the process until the cover start date is confirmed.

Disclaimer

This information is a basic explanation of the product and is not part of the insurance contract. Applicants should study the cover, conditions, exclusions and endorsements before deciding. Acceptance and claim payments are subject to the policy and the criteria of Viriyah Insurance Public Company Limited.

Prakanthai.com, non-life insurance broker, licence no. 5104000004, Tel. +66 2 459 2223, LINE: @Prakanthai