Bangkok Insurance Class 3 insurance for cars up to 30 years old, from THB 2,300
- Updated: 15 October 2026
Bangkok Insurance Class 3 insurance for cars up to 30 years old, from THB 2,300
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 2,300–4,600 per year depending on the vehicle type and the car's age, including tax and stamp duty, excluding compulsory motor insurance (CMI)
Highlights: Class 3 insurance that accepts cars up to 30 years old, with no vehicle inspection
An old car, twenty-odd years old, still does the market run and the school run every day. You can afford to repair your own car, but if you hit someone else's and have to pay a repair bill of several hundred thousand baht, that is more than you can afford.
How much does Bangkok Insurance's Class 3 Super Save cost, what age of car does it accept, and what does it cover?
Class 3 Super Save insurance for older cars: who is it for and how much does it cost?
In short: Bangkok Insurance's Class 3 Super Save for older cars suits saloons, vans and pickups aged 2–30 years whose owners want cover for damage they cause to the other party. It covers third-party death and bodily injury up to THB 500,000 per person and third-party property up to THB 1,000,000. It does not cover your own car. Premiums from THB 2,300 per year for a saloon aged 2–20 years (as at 15 October 2026, excluding CMI). The actual premium depends on the vehicle type and the car's age.
What does Class 3 Super Save insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| 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 | – |
| Own damage | Not covered | – |
| Theft / fire | Not covered | – |
| Personal accident | 50,000 | Saloon 7 / van 12 / pickup 3 persons |
| Medical expenses | 50,000 | Saloon 7 / van 12 / pickup 3 persons |
| Driver bail bond (criminal cases) | 250,000 | – |
The number of persons covered includes the driver and passengers
How much does Class 3 Super Save insurance cost?
Annual premiums, including tax and stamp duty, with the CCTV camera discount already applied, excluding CMI. Data as at 15 October 2026
| Vehicle type | Car aged 2–20 years | Car aged 21–30 years |
|---|---|---|
| Private or commercial passenger cars with up to 7 seats | 2,300 | 3,600 |
| Private passenger vehicles with up to 12 seats | 3,200 | 4,600 |
| Commercial pickups / light trucks up to 3 tonnes | 3,200 | 4,600 |
Every figure is a starting premium. The actual premium depends on the vehicle type, the car's age and model, and the insurer's underwriting decision. The quote is what counts.
Worked example: a 22-year-old pickup rear-ends a saloon
- A 22-year-old pickup falls in the 21–30 age band. Premium THB 4,600 per year, about THB 383 a month on average (4,600 ÷ 12)
- If the repair to the other party's saloon costs THB 85,000, it is within the THB 1,000,000 third-party property limit
- The repair to our own pickup is not covered by Class 3 insurance
- Compared with a 15-year-old saloon, the premium would be THB 2,300 per year, a difference of 4,600 − 2,300 = THB 2,300
This example is for illustration only. The amount actually paid depends on the damage assessment and the policy conditions.
How is Class 3 different from CMI?
CMI helps with treatment costs and compensation for bodily injury as required by law, but it does not pay for repairs to the other party's car or property. Class 3 insurance covers that part. The THB 1,000,000 third-party property limit is the cover that people who drive an older car every day should have.
Who is Class 3 Super Save insurance for?
- Owners of cars aged 21–30 years who are looking for Class 3 insurance that still accepts cars of this age
- People who can afford to repair their own car but want a limit to pay the other party
- Owners of private vans with up to 12 seats who want personal accident cover for 12 people
- People who find it inconvenient to book a vehicle inspection
Who should not buy this plan yet?
- People who want their own car repaired after a collision with the other party: Class 3 does not cover your car. See 3+ Chubb Eco insurance for cars up to 25 years old instead
- People worried about theft or fire: this plan does not cover them.
- Cars under 2 years old
- Cars used for hire or rental
- Cars outside groups 2–5, as set by the insurer
Limits to check before you decide
- Does not cover your own car, theft or fire: it covers only third-party liability and the cover under attached endorsements
- The premium excludes CMI, which has to be arranged separately
- Personal accident and medical expenses of THB 50,000 per person
- Cars aged 21–30 years have higher premiums, for example a saloon goes from THB 2,300 to THB 3,600
- Accepts car groups 2, 3, 4 and 5: send your registration book to our team to check the model first
Want to know how Class 3, 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 type, the car's age and the vehicle group, 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
Related documents and links: Fill in your details to request a quote
Frequently asked questions
Can a 28-year-old car still be insured?
Yes, if the model is in a group the insurer accepts. Cars aged 21–30 years use this premium band, for example THB 3,600 per year for a saloon.
Does the car have to be inspected?
No. This plan needs no vehicle inspection before cover is accepted.
Can an older BMW or Benz be insured?
BMW and Mercedes Benz are among the example makes accepted. Send your registration book to our team to check the model and the vehicle group.
Does the THB 2,300 premium already include CMI?
Not yet. The premiums in the table already include stamp duty, tax and the CCTV camera discount, but CMI has to be arranged separately. Tell our team if you would like the total shown in your quote.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The coverage and premium information on this page is based on Bangkok Insurance Public Company Limited's product information for Class 3 Super 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 2,300
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