Deves Class 3 motorcycle insurance, up to 250 cc, THB 2,000 per year

Premium data as of 28 October 2026 · compiled by Prakanthai.com

Underwritten by Deves Insurance Public Company Limited
Premiums from THB 2,000 per year for motorcycles up to 250 cc
Highlights: also accepts white-plate motorcycles used to deliver food or goods

You ride a motorcycle delivering food every day, and you have only compulsory motor insurance (CMI). If one day you hit a car and damage it badly, or a pedestrian is injured, who pays the part of the damage that goes beyond CMI?

Deves Class 3 motorcycle insurance takes care of this part, which is your liability to the other party. It does not repair your own motorcycle, and it has no medical expenses cover for the rider. Make sure you understand the scope before you buy.

Deves Class 3 motorcycle insurance: who is it for and how much does it cost?

In short: Deves Insurance's Class 3 motorcycle insurance suits people who ride a motorcycle of up to 250 cc for private use, including white-plate riders who deliver food or goods, and who want a higher limit for compensating the other party on top of CMI. It covers third-party bodily injury or death up to THB 500,000 per person and third-party property damage up to THB 1,000,000. The premium is THB 2,000 per year (data as at 28 October 2026, excluding CMI). The actual premium depends on the size of the motorcycle, how it is used and the insurer's assessment.

What does Deves Class 3 motorcycle insurance cover?

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

Data as at 28 October 2026. This is a special campaign rate that already has the CCTV camera discount averaged in, and it excludes CMI. The insurer reserves the right to change the premium and the campaign period. The amount you actually pay is the one shown on your quote.

A worked example to illustrate

How much is that per day on average?
2,000 ÷ 365 = about THB 5.48 per day

Rear-ending a saloon, with a repair bill of THB 60,000 (hypothetical figure)
If you are at fault, the repair bill for the other party's car falls within the third-party property limit of THB 1,000,000. This plan does not pay for your own motorcycle.

A simple rule: Class 3 helps when you cause loss to other people. For your own motorcycle and your own medical costs, you need to add other cover.

Who is Deves Class 3 motorcycle insurance for?

• People who ride a motorcycle for private use, up to 250 cc
• Riders who deliver food or goods on a white-plate motorcycle
• People who ride in busy city traffic and worry about hitting a car or someone else's property
• People who want to keep the premium to a few thousand baht

Who should not buy this plan yet?

People who want the insurance to repair their own motorcycle or cover it against theft
Class 3 does not cover the motorcycle itself. Try ERGO Class 2+ motorcycle insurance for theft and fire or Viriyah motorcycle theft insurance

People who want medical expenses cover for themselves
This plan has no medical expenses cover, only personal accident cover of THB 50,000.

Motorcycles for hire (yellow plate) or for rent
The insurer reserves the right not to accept motorcycles for hire or rent, customised motorcycles or modified motorcycles.

Big bikes over 250 cc
This rate applies to motorcycles up to 250 cc

What limitations should you check before deciding?

1) Your own motorcycle is not covered
The insured pays for all damage to the insured motorcycle.

2) No medical expenses cover
The rider's medical costs are claimed under CMI and any health or accident insurance you already have.

3) Personal accident cover is for 1 person
A pillion passenger is not included in this THB 50,000 limit.

4) The campaign may change the premium or stop accepting applications
The insurer reserves the right to change the premium and the campaign period.

5) The premium excludes compulsory motor insurance (CMI)
CMI must still be taken out separately, as the law requires.

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. How the motorcycle is used, e.g. private use or delivering food through an app

Our team will check that your motorcycle meets the conditions, then send you a written quote within a business day, showing the total premium, and CMI if you want it at the same time. 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 I get cover if I ride for Grab Food or LINE MAN on a white-plate motorcycle?

Yes. This plan accepts white-plate private motorcycles used to deliver food or goods, but not motorcycles for hire or rent.

What is the difference between Class 3 and CMI?

CMI is compulsory insurance that covers bodily injury and death, while Class 3 adds a higher limit to compensate the other party, including third-party property. Read more in How does CMI differ from voluntary insurance?

Can a foreigner who rides a motorcycle in Thailand get this insurance?

Send us the motorcycle and rider details to check first, and read the overview in Riding a motorcycle in Thailand: what insurance should foreigners have?

Who approves claims: Prakanthai.com or Deves?

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

Is there a Class 3+ motorcycle plan with no excess?

Yes. See ERGO Class 3+ motorcycle insurance with no excess

Notes
The coverage and premium information on this page is based on Deves Insurance Public Company Limited's product information for Class 3 motorcycle insurance as at 28 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. Please read the policy and the quote in full before deciding.