Class 3 Chubb Gold insurance with THB 50,000 compensation if your car is stolen, from THB 2,600
- Published: 14 October 2026
Class 3 Chubb Gold insurance with THB 50,000 compensation if your car is stolen, from THB 2,600
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 2,600 per year (saloon) and THB 3,600 per year (pickup), including tax and stamp duty
Highlights: Class 3 with no car age limit, plus THB 50,000 compensation if your car is stolen or a total loss, and a daily benefit if you are injured and admitted to hospital
An old car worth only a few tens of thousands of THB needs no more than Class 3 to cover the other party. But if one day it is wrecked in a crash or stolen, you will get nothing towards a new car or for getting around in the meantime.
How much more do you pay for Class 3 with this compensation than for ordinary Class 3, and what do you get in return?
Class 3 Chubb Gold insurance: who is it for and how much is the premium?
In short: Chubb Samaggi Insurance's Class 3 Chubb 3 Gold insurance suits owners of older cars who want cover for the other party, plus extra benefits: THB 50,000 compensation if the car is stolen or a total loss, a daily benefit of THB 1,000 if you are injured and admitted to hospital, THB 200,000 personal accident cover, and THB 20,000 for theft of belongings in the car. There is no car age limit, and it does not cover repairs to your own car. Premiums from THB 2,600 per year for a saloon (as of 14 October 2026). The actual premium depends on the vehicle type.
What does Class 3 Chubb Gold insurance cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Damage to your own car / 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 | THB 1,000,000 | – |
| Personal accident / medical expenses | THB 200,000 / 200,000 | Saloon: 7 persons · pickup: 3 persons |
| Driver bail bond (criminal cases) | THB 300,000 | – |
| Income compensation if injured and admitted to hospital | THB 1,000 per day | Driver or passenger |
| Travel costs while the car is in the garage | THB 500 per accident | Not-at-fault only, up to 3 times per year |
| Travel compensation if the car is stolen or a total loss | THB 50,000 | – |
| Theft of personal belongings in the car | THB 20,000 per year | – |
| 24-hour emergency roadside assistance | Gold level | – |
Roughly how much is the Class 3 Chubb Gold premium?
Annual premiums, including tax and stamp duty. Data as at 14 October 2026
| Vehicle type | Vehicle code | Starting premium (THB per year) |
|---|---|---|
| Saloon, up to 7 seats | 110 / 120 | 2,600 |
| Pickup, up to 4 tonnes | 320 | 3,600 |
Every figure is a starting premium. The actual premium depends on the vehicle type and the insurer's underwriting decision. The quote is what counts.
Worked example: what do you get for THB 800 more than Class 3 Eco?
Compare a saloon with Class 3 Chubb Eco at a premium of THB 1,800
- Class 3 Gold premium THB 2,600: you pay 2,600 − 1,800 = THB 800 more per year
- Car stolen or a total loss: Gold pays THB 50,000 · Eco pays THB 10,000
- Personal accident and medical expenses: Gold THB 200,000 · Eco THB 100,000
- Gold also adds a daily hospital benefit, travel expenses when you are not at fault, theft cover for belongings in the car and emergency assistance
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. The rule of thumb: if your car could still sell for tens of thousands of THB or more, THB 50,000 of compensation helps a lot when the car is a write-off.
Who is Class 3 Chubb Gold insurance for?
- Owners of older cars of any age, because this plan has no car age limit
- People who don't want to pay a premium for own-car cover, but would like a lump sum if the car is stolen or written off
- People who regularly carry passengers and want THB 200,000 personal accident cover
- Owners of Asian- or European-make saloons or pickups for private use
Who should not buy this plan yet?
- People who want their own car's repairs covered: this plan does not cover the car. See 3+ Chubb Eco
- People who want the cheapest Class 3: Class 3 Eco costs THB 800 less
- Cars used for hire or rental
- Supercars, racing cars, customised, lowered, lifted or modified cars, six-wheel trucks, tow trucks, trailers and songthaews
Limits to check before you decide
- Your own car is not covered in any case: the THB 50,000 is travel compensation, not payment for the car
- The THB 500 travel allowance while your car is in the garage is paid only when you are not at fault, up to 3 times per year
- The daily benefit is paid when you are admitted to hospital as an inpatient after a car accident
- Only codes 110, 120 and 320 are accepted, and only if the car is not used for hire or rental.
Want to know how Class 3 and 3+ 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 send you a written quote within a business day, showing the Class 3 Gold premium next to Class 3 Eco, and CMI if you want both together. 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
Class 3 doesn't cover theft, so why is there THB 50,000?
The THB 50,000 is travel compensation if the car is stolen or a total loss, under the plan's additional benefits. It is not payment for the car.
Can a 25-year-old car be insured?
Yes. This plan has no car age limit, as long as the car meets the vehicle type conditions and has not been modified.
Can a van be insured?
The underwriting conditions for this plan list codes 110, 120 and 320. If yours is a van, send us the registration book and our team will check with the insurer for you.
If belongings are stolen from the car, how much can I claim?
This plan includes theft cover for personal belongings in the car, with a limit of THB 20,000 per year, subject to the policy conditions.
If you already have compulsory motor insurance (CMI), do you still need Class 3?
Compulsory motor insurance (CMI) does not pay for repairs to the other party's car or property. Class 3 adds third-party property cover of THB 1,000,000.
Who approves claims: Prakanthai.com or Chubb?
Underwriting and claim payments are decided by Chubb Samaggi Insurance. As your broker, Prakanthai.com helps coordinate and follows up on your case.
Notes
The coverage and premium information on this page is based on Chubb Samaggi Insurance Public Company Limited's product information for Chubb 3 Gold as at 14 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 2,600
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