Class 3 Deves Khum Kan insurance, up to THB 100,000 for your own car's repairs, from THB 2,600

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

Underwritten by Deves Insurance Public Company Limited
Premiums from THB 2,600 per year
Highlights: Class 3 insurance that pays up to THB 100,000 to repair your car when the other party was negligent and admits fault

A car stopped at a red light is hit from behind. The other driver admits fault at the scene, but their insurer is slow to deal with it. The owner, who has Class 3, waits weeks for the repair money, because their own insurance does not cover the car at all.

How does Class 3 with a repair limit for your own car when you are not at fault differ from ordinary Class 3, and what are the conditions?

Class 3 Deves Khum Kan insurance: who is it for and how much is the premium?

In short: Deves Insurance's Class 3 Deves Khum Kan insurance suits car owners who want low-cost Class 3 but with a THB 100,000 limit for repairs to their own car when an accident is caused by the other party's negligence and the other party admits fault. It covers the other party's property up to THB 1,000,000 and personal accident up to THB 100,000 for 5 seats. It does not cover theft or fire. Premiums from THB 2,600 per year (as of 14 October 2026). The actual premium depends on the vehicle type and the insurer's decision.

What does Class 3 Deves Khum Kan insurance cover?

Roughly how much is the premium for Class 3 Deves Khum Kan insurance?

Premiums from THB 2,600 per year, as at 14 October 2026. The actual premium depends on the vehicle type, how it is used and the insurer's underwriting decision. The quote is what counts.

Worked example: rear-ended with a THB 130,000 repair bill, how much do you get?

Suppose you are stopped at a red light and the car behind hits you. The other party admits fault, and the repairs to your car cost THB 130,000

• Class 3 Deves Khum Kan pays up to THB 100,000 for your car's repairs
• The remaining 130,000 − 100,000 = THB 30,000 can be claimed from the other party or their insurer, as you are entitled to
• If you are at fault, this Class 3 plan does not repair your car, but it pays the other party's damage up to the limits

This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. The rule of thumb: the repair limit for your car applies only when the other party was negligent and admits fault.

Who is Class 3 Deves Khum Kan insurance for?

• People who want low-cost Class 3 but would like their own insurance to help repair the car when they are not at fault
• People who don't want a long wait for money from the other party's insurer when they are not at fault
• People who use the car for a family of up to 5 and want THB 100,000 personal accident cover

Who should not buy this plan yet?

• People who want their car repaired when they are at fault: this plan doesn't repair your car in that case. See 3+ Chubb Eco
• People worried about theft or fire: this plan does not cover them.
• Cars that regularly carry more than 5 people: personal accident cover is for 5 seats
• People who want the cheapest Class 3 and don't need a repair limit: compare Class 3 Chubb Eco first

Limits to check before you decide

1. The THB 100,000 repair limit for your car requires both conditions: the accident was caused by the other party's negligence, and the other party admits fault
2. Theft and fire are not covered
3. Personal accident and medical expenses cover 5 seats, including the driver
4. Third-party property up to THB 1,000,000

Want to know what else you can claim from the other party? Read Claiming loss-of-use compensation

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

Send just 2 things

1. A photo of the registration book's front page
2. The front page of your current policy

Our team will send you a written quote within a business day, showing the premium for your vehicle type, 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

If the other party drives off, can I claim the THB 100,000 limit?

The repair limit for your car applies only when the other party was negligent and admits fault. If there is no other party to admit fault, this condition is not met.

How is Class 3 Khum Kan different from 3+?

Class 3 Khum Kan repairs your car only when the other party admits fault, up to THB 100,000. A typical 3+ plan repairs your car after a collision with a vehicle where the other party can be identified, whether or not you are at fault, up to the sum insured.

If I rear-end someone and I'm at fault, what am I covered for?

This plan pays the other party's damage up to the third-party bodily injury and property limits. Your own car is not covered.

If the car carries 6 passengers, is everyone covered?

This plan's personal accident and medical expenses cover 5 seats, including the driver.

Can I get compulsory motor insurance (CMI) at the same time?

Yes. Mention it when you ask for a quote.

Who approves claims: Prakanthai.com or Deves Insurance?

Underwriting and claim payments are decided by Deves Insurance. As your broker, Prakanthai.com helps coordinate and follows up for you.

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Notes
The coverage and premium information on this page is based on Deves Insurance Public Company Limited's product information for Deves Class 3 Khum Kan 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.