Class 3 insurance for vehicle type RY.18 for Grab/Bolt: what does it cover?
- Published: 29 September 2026
Class 3 insurance for vehicle type RY.18 for Grab/Bolt: what does it cover?
Class 3 insurance for vehicle type RY.18 for app-based passenger cars: what does it cover?
If you drive for an app, your “vehicle use type” and your “policy” should match from day one
A car that carries passengers for a fare has different risks and patterns of use from an ordinary private car. If the vehicle use stated in the policy does not match how the car is actually used, it may affect how cover is assessed when something happens.
That is why Class 3 insurance for RY.18 is designed for hire cars carrying up to 7 passengers booked through an electronic system, such as jobs taken through an app, with a focus on liability for third-party bodily injury, death and property damage up to the limits in the policy.
Before you pay, let Prakanthai.com check whether your car, fuel type, registered owner and use meet the criteria.
Check your RY.18 car's eligibility on LINE @prakanthai
or call +66 2 459 2223
Add us on LINE and send the word “RY18” with a photo of the registration details page of your vehicle registration book. Our team can start checking straight away during office hours.
The 30-second summary
Suits people who carry passengers through an app and want insurance that matches how they use the car
Covers third-party liability up to the limits, but does not pay to repair the insured's own car after a collision
The plan offered on this page does not accept EVs and has conditions on vehicle type, owner and area of use
Compulsory motor insurance (CMI) is compulsory cover separate from Class 3 insurance; check whether the price already includes CMI
Buying insurance alone does not automatically make your car an RY.18 vehicle; the driver and car still have to meet the requirements of the Department of Land Transport (DLT) and the platform
What is RY.18?
RY.18 is the term for a car for hire through an electronic system carrying up to 7 passengers, under the Department of Land Transport (DLT) registration framework. Drivers who take jobs through a platform should check everything: the vehicle registration type, the relevant driving licence, platform documents, markings and any other conditions under the rules in force on the date they apply.
Remember: “buying the right type of insurance” is only one part of it; it does not guarantee that your RY.18 registration will succeed or that you can start driving straight away.
What does Class 3 insurance for RY.18 cover?
| Coverage | Coverage limit |
|---|---|
| Third-party bodily injury or death | Up to THB 500,000 per person |
| Bodily injury or death, total per accident | Up to THB 20,000,000 per accident |
| Third-party property damage | Up to THB 600,000 per accident |
| Personal accident, driver and passengers | 5 persons, up to THB 50,000 each |
| Medical expenses, driver and passengers | 5 persons, up to THB 50,000 each |
| Driver bail bond in criminal cases arising from a car accident | Up to THB 200,000 |
| Collision damage to the insured vehicle | Not covered |
| Theft or fire | Not covered |
| Period of insurance | 1 year |
Cover is subject to the terms, conditions, exclusions and limits of liability in the actual policy. If anything on this website differs from the policy, the policy issued by the insurer prevails.
Ask our team to check the latest cover and premium
How does it differ from Class 3 insurance for a private car?
| Point | Class 3, private car | Class 3, RY.18 |
|---|---|---|
| Vehicle use | Private use as stated in the policy | Carrying passengers booked through an electronic system, subject to conditions |
| Third-party liability | Covered up to the limits and conditions | Covered up to the limits and conditions of the RY.18 plan |
| Repairs to your own car | Not covered | Not covered |
| Can one replace the other? | Don't assume they are interchangeable | The vehicle use type must match the policy |
If you use a private-car policy for a car for hire without declaring its use correctly, this may lead to disputes or affect your right to cover. Send your current policy schedule to our staff to check before you renew or change plans.
Which cars should be sent for an underwriting check?
This reference plan is suitable for a check when the car has the following features
A private saloon with black plates, owned by an individual
An internal-combustion car in a vehicle group set by the insurer, in standard condition
Used to sign up as a partner to carry passengers through an app
The driver accepts that Class 3 insurance does not repair their own car after a collision
In the following cases, don't pay yet; send your details to be checked first
EVs, hybrids or cars with a modified fuel system
Cars under finance or hire purchase, or where the keeper's name does not match the applicant's
Cars registered to a juristic person, metered taxis, or cars fitted or decorated to look like a taxi
Cars used to carry goods or deliver parcels, or used in any way other than carrying passengers under the plan
Cars used or registered in areas where the insurer may restrict cover
The plan referenced on this page does not accept EVs. If yours is an electric car, tell our team in your first message so we can look for another plan that matches your use, though we cannot guarantee there is a plan for every car.
Can a car under finance get Class 3 insurance for RY.18?
Two things need checking separately
Whether the insurer accepts the car and its use
Whether the hire-purchase or finance agreement allows it, and what insurance class it requires
Even if the insurer accepts Class 3 RY.18 cover, it does not mean the finance company will always allow you to change the vehicle use type or accept this class of cover. Hire-purchasers should get confirmation from the registered owner or the finance company before going ahead.
Is CMI already included in the price?
Compulsory motor insurance (CMI) is compulsory, while Class 3 insurance is voluntary motor insurance. The two do different jobs, so check the quote carefully to see
Whether the quoted premium is for Class 3 insurance only or already includes CMI
Whether your existing CMI is valid for the car's current type or needs to be changed
Whether the start and end dates of both policies fit your registration plans
The Prakanthai team will show you the items and amounts separately to check before you pay.
How to buy Class 3 insurance for RY.18
Add LINE @prakanthai and send the word “RY18”
Send a photo of the registration details page, plus the make, model, year, fuel, the app you use and the date you want cover to start
Our team checks the car's eligibility, its use, the insurer, the premium and the documents needed
You check the sales quotation, conditions, the insurer's name and the payment method before confirming
Once the documents and payment are complete, our team submits the application to the insurer for underwriting. Once it is approved, we let you know the policy number and send the documents according to the insurer's process
Sending your details or paying does not mean the insurer has agreed to provide cover. Cover starts on the date and time stated in the policy, and only after the insurer has approved it.
Start a car check for a quote
Call us for advice: +66 2 459 2223
Send everything at once for a quicker check
Copy this message and send it on LINE
I'd like to check Class 3 insurance for RY.18
Contact name:
Phone number:
Make/model/year:
Fuel: petrol or diesel / Hybrid / EV
App you take jobs through:
Car under finance: yes / no
Registered as RY.18: yes / not yet
Date you want cover to start:
Attach a photo of the registration details page
Please cover up any information not needed for the initial premium check, such as your ID card number, and send further documents only when our staff tell you they are needed. Please also read our privacy policy before sending your details.
What should I do if I have an accident?
Stop in a safe place and help anyone injured. Call 1669 in an emergency
Call the insurer on the number in your policy and give your policy number, registration number and the location of the accident
Take photos of the scene, every vehicle, the damage, the number plates and the other party's details
Don't agree to pay compensation or admit liability on the insurer's behalf before you have been advised
Keep medical certificates, receipts, the police report and any documents related to the accident
Claims are assessed on the facts, the documents, the policy and the insurer's judgement
Why have Prakanthai.com check for you?
Prakanthai.com is run by Mr Prasert Kiatveerapat, non-life insurance broker, licence no. 5104000004, and has worked in non-life insurance since 2004. We focus on explaining your rights, cover and limitations before you buy, and help coordinate everything from checking your details to receiving your policy.
The insurer named in the sales quotation is the underwriter: it decides whether to accept the risk, issues the policy and assesses claims. Prakanthai.com acts as a non-life insurance broker, giving information and helping customers.
Check properly before you start driving, and reduce the risk of buying the wrong type of insurance
Send your car details for our team to check, with no need to rush into paying. You'll find out whether your car meets the criteria, how your CMI needs to be arranged, which documents are missing and roughly how long it will take.
Check Class 3 insurance for RY.18 on LINE @prakanthai
Call +66 2 459 2223
Premiums, conditions and underwriting may change. Please check the latest sales quotation and policy before you pay. Nothing here guarantees that the insurer will accept the risk, that your RY.18 registration will succeed, or that every claim will be paid.
Price: THB 8,500 | Start date: 1 January 2026 |
End date: - |
Buy online
Fill in the car, registered owner and keeper details and the Prakanthai team will call you back to arrange the policy.