Tokio Marine Safety Insurance Class 3 insurance for saloons, pickups and vans, from THB 2,000 per year
- Updated: 15 October 2026
Tokio Marine Safety Insurance Class 3 insurance for saloons, pickups and vans, from THB 2,000 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Tokio Marine Safety Insurance (Thailand) Public Company Limited
Premiums from THB 2,000–3,500 per year, depending on the vehicle type, including value added tax and stamp duty but not compulsory motor insurance (CMI)
Highlight: Class 3 insurance with personal accident and medical expenses cover of THB 100,000 per person
You drive to work every day on congested roads where cars often collide. Your own car is old and you don't worry about it much, but if you rear-end a new red-plate car, the other party's repair bill could be higher than the value of your whole car.
Tokio Marine Safety Insurance's Class 3 insurance starts at a premium of THB 2,000. What does it cover, which cars can have it, and what is not covered?
Tokio Marine Safety Insurance Class 3 insurance: who is it for, and how much is the premium?
In short: Tokio Marine Safety Insurance's Class 3 insurance suits privately used saloons, vans and pickups whose owners want cover for damage they cause to the other party. It covers third-party life up to THB 500,000 per person and third-party property up to THB 1,000,000, with personal accident and medical expenses of THB 100,000 per person. It does not cover your own car. Premiums start at THB 2,000 per year for a saloon (as of 15 October 2026, CMI not included). The actual premium depends on the vehicle type.
What does Tokio Marine Safety Insurance Class 3 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 | – |
| Personal accident | 100,000 | Saloon 7 / pickup 3 / van 12 seats |
| Medical expenses | 100,000 | According to the number of seats in the policy |
| Driver bail bond (criminal cases) | 200,000 | – |
This premium rate can be used for electric vehicles (EV)
How much is the premium for Tokio Marine Safety Insurance Class 3 insurance?
Annual premiums, including value added tax and stamp duty, after deducting the good-record discount, the CCTV camera discount and the Application discount. CMI not included. Data as at 15 October 2026
| Vehicle type (code) | Class 3 starting premium | CMI premium incl. tax and duty |
|---|---|---|
| Saloon (110) | 2,000 | 645.21 |
| Pickup, load up to 3 tonnes (320) | 3,000 | 967.28 |
| Van (210) | 3,500 | 1,182.35 |
Every figure is a starting premium. The actual premium depends on the vehicle type, the car model and the insurer's underwriting decision. The quote is what counts.
Worked example: a saloon on Class 3 together with CMI
- Class 3 premium for a saloon THB 2,000 + CMI THB 645.21 = THB 2,645.21 per year
- Average per month: 2,645.21 ÷ 12 = about THB 220
- For a van: 3,500 + 1,182.35 = THB 4,682.35 per year
- If you rear-end the other party, the repair bill for their car falls within the third-party property limit of THB 1,000,000, but you pay for repairs to your own car.
This example is for illustration only. The actual amount depends on your quote, and claim payments depend on the policy conditions.
Why does the personal accident limit of THB 100,000 matter?
This part looks after the people in your own car, both the driver and passengers. Some Class 3 plans give this limit as THB 50,000 per person. If you regularly use the car to carry your family, compare this figure too, not just the premium.
Who is Tokio Marine Safety Insurance Class 3 insurance for?
- Car owners who can pay for their own repairs but want a limit to pay the other party
- People who use the car to carry their family and want personal accident cover of THB 100,000 per person
- Owners of private vans who want cover for the people in a 12-seat vehicle
- EV owners looking for Class 3 insurance
Who should not buy this plan yet?
- People who want their own car's repairs covered, or theft and fire cover: Class 3 does not cover the car itself. See 3+ Chubb Eco insurance for cars up to 25 years old instead.
- Cars registered to a juristic person (a company), cars used for hire, and rental cars
- Customised or modified cars, such as lowered or raised cars, or cars with engine tuning, fitted gauges, carbon Kevlar, stickers, colour wraps or glass coating
- Sports cars and racing cars
- Pickups with added commercial equipment such as leaf springs, crossbars, cargo cages, side rails, axles, steel wheels or cargo boxes
Limits to check before you decide
- Your own car is not covered: only third-party liability and cover under attached endorsements.
- Premiums do not include CMI, which must be added according to the vehicle type
- Cars with glass coating or stickers fall in the group that is not accepted, so describe the car's condition accurately before applying
- This rate is for privately used cars or company cars, and does not apply to cars registered to a juristic person
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 and condition against the conditions, and 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
Frequently asked questions
Can a car with glass coating be insured?
Under this plan's conditions, cars with glass coating fall in the vehicle types that are not accepted. Send your car's details to our team and we will find another plan.
Can an EV be insured?
Yes. This premium rate can be used for electric vehicles (EV).
Does the THB 2,000 premium include CMI?
No. For a saloon, add CMI of THB 645.21, making THB 2,645.21 in total.
If I collide with another car and people in my car are injured, what am I covered for?
People in your car are covered under a medical expenses limit of THB 100,000 and a personal accident limit of THB 100,000, subject to the policy conditions.
Can a company car issued in the company's name be insured?
The conditions say it can be used for company cars, but not for cars registered to a juristic person. Send us the registration book and our team will check with the insurer first.
Who approves claims: Prakanthai.com or Tokio Marine?
Underwriting and claim payments are decided by Tokio Marine Safety Insurance. As your broker, Prakanthai.com helps coordinate and follow up for you.
Notes
The coverage and premium information on this page is based on Tokio Marine Safety Insurance (Thailand) Public Company Limited's product information for Class 3 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 2,000
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