Viriyah Truck Super Save Class 3+ truck insurance from THB 16,900

Premium data as of 14 October 2026 · compiled by Prakanthai.com

Underwritten by Viriyah Insurance Public Company Limited
Total premiums from THB 16,900–38,000 per year, depending on the vehicle code, weight, sum insured and special extra equipment. These rates apply until 31 Dec 2026
Key feature: Class 3+ insurance for trucks and tractor units used in your own business, with premiums THB 1,000–1,400 lower than Viriyah's 2+ plan

A business has two six-wheel trucks that deliver its own goods. They are parked every night in a warehouse with a security guard, so theft is not much of a worry, but on the road there is a risk every day of being hit by another vehicle.

How much does the Class 3+ truck insurance premium differ from 2+, and which vehicles qualify?

Viriyah Class 3+ truck insurance: who is it for and how much is the premium?

In short: Viriyah Truck Super Save Class 3+ truck insurance suits business owners who use a truck (code 320) or a tractor unit (code 420) to carry their own goods, not for hire or rental. It covers damage to the vehicle in a collision with a land vehicle, with a sum insured of THB 100,000–300,000, plus third-party liability. It does not cover theft or fire. Total premiums start from THB 16,900 per year for a 4–12-tonne truck with a sum insured of THB 100,000 and no special extra equipment (data as at 14 Oct 2026). The actual premium depends on the vehicle code, weight, sum insured and the equipment fitted.

What does Viriyah Class 3+ truck insurance cover?

Roughly how much is the Viriyah Class 3+ truck insurance premium?

Total annual premiums, after the plan's discounts. These rates apply until 31 December 2026 or until the insurer changes them

Every figure is a starting premium and already includes the discounts for a CCTV camera and an accident-reporting app; no further discounts apply. The actual premium is based on the quote and the insurer's underwriting decision.

Worked example: how much cheaper is 3+ than 2+?

Compared with Viriyah Class 2+ truck insurance, without special extra equipment

• 4–12-tonne truck, sum insured 200,000: 3+ premium THB 17,900 · 2+ premium THB 18,900, a difference of THB 1,000 per year
• Tractor unit over 8 tonnes, sum insured 300,000: 3+ premium THB 34,500 · 2+ premium THB 35,900, a difference of THB 1,400 per year
• This difference is the price of theft and fire cover. If the vehicle is stolen or completely destroyed by fire, 3+ pays nothing, while 2+ pays up to the sum insured.

This example is for illustration only. A simple rule: if the vehicle is parked somewhere safe and rarely runs at night outside its usual area, 3+ saves money. If the vehicle is worth a lot or is often parked away from base, the extra THB 1,000 or so for 2+ may be worth it.

Who is Viriyah Class 3+ truck insurance for?

• Business owners with trucks or tractor units that carry their own goods
• People who want repairs paid for when another vehicle hits them, for less than 2+ costs
• Vehicles parked in secure areas, where the risk of theft is low
• Vehicles fitted with special extra equipment that need a rate matching what is actually fitted

Who should not buy this plan yet?

• Vehicles that haul for hire or are rented out. This plan only accepts vehicles used in your own business
• Vehicles carrying fuel, acids or gas. The insurer reserves the right to decline them
• People worried about theft, fire or flood. This plan does not cover them
• People who want repairs when they hit a post or wall or overturn on their own. This plan covers the vehicle only in collisions with a land vehicle

Limits to check before you decide

1. The vehicle is covered only in collisions with a land vehicle. Accidents with no other party involved are not covered under this part
2. Theft, fire and flood are not covered unless added in the policy or an endorsement
3. Vehicles with special extra equipment are on a higher rate. You need to send photos of the vehicle and details of the equipment for checking
4. These rates apply until 31 December 2026 or until the insurer changes them
5. Any excess (deductible) is as set out in the policy and its endorsements; check it on your quote

To compare with another insurer's truck plan, see Chubb 2+ Big Truck

Want to know the actual premium for your car? What do you need to send?

Send just 3 things

1. A photo of the registration book's front page (showing the gross weight)
2. Photos of the vehicle from all sides and of any extra equipment fitted
3. The type of goods you usually carry

Our team will check the vehicle code and weight, then send you a written quote within a business day, showing the 3+ premium next to the 2+ premium so you can see the difference. 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 every six-wheel or ten-wheel truck be insured?

Don't go by the number of wheels alone. The vehicle code, gross weight, use, goods carried and equipment fitted all count. Send us the registration book and photos of the vehicle for our team to check.

What is the difference between code 320 and code 420?

In this plan, code 320 is for trucks by weight band, and code 420 is for tractor units over 8 tonnes. You can find the actual code in the registration book.

I sometimes haul goods for customers for a fee. Can I still get this plan?

This plan does not accept vehicles used for hire or rental. Tell our team how the vehicle is actually used so we can find a plan of the right type. Giving inaccurate information could affect how a claim is assessed.

Are you covered as soon as you send your details?

Not yet. The insurer must first accept the application and confirm the start date of cover.

Where do I report an accident to Viriyah?

Call the Viriyah Insurance customer relations centre on 1557 as soon as it happens, and let the Prakanthai.com team know so we can help follow up.

Who approves claims: Prakanthai.com or Viriyah Insurance?

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 Truck Super Save 3+ as at 14 October 2026. The premium rates apply until 31 December 2026 or until the insurer changes them. It is general information and not part of the insurance contract. 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.