Driver Safe Mini income compensation for drivers, THB 2,500 per day
- Updated: 15 October 2026
Driver Safe Mini income compensation for drivers, THB 2,500 per day
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 850–2,000 per year, including tax and duty
Highlight: daily compensation of up to THB 2,500 per person when a car accident injury puts you in hospital, covering up to 7 people per accident
Your existing car insurance pays for the repairs and the medical bills in full. But when the driver spends a week in hospital after a crash, nobody pays for the lost income, the travel costs of family members who come to stay with them, or the belongings damaged in the car.
This add-on insurance pays compensation for these costs, with premiums from a few hundred up to THB 2,000. What does it cover, and how do the plans differ?
Driver Safe Mini: who is it for and how much does it cost?
In short: Chubb Samaggi Insurance's Driver Safe Mini is compensation cover for car users. It suits people who already have car insurance and want extra compensation. It pays THB 1,800–2,500 per person per day when a car accident injury puts you in hospital, plus travel costs while the car is in the garage, and Plans 1–2 add compensation if the car is stolen or a total loss, and for personal belongings. Premiums start from THB 850 per year for Plan 3 (as of 14 October 2026). The actual premium depends on the plan you choose.
What does Driver Safe Mini cover?
| Coverage | Plan 1 / Plan 2 / Plan 3 | Conditions |
|---|---|---|
| Daily income compensation when a car accident injury puts you in hospital | THB 1,800 / 2,500 / 1,800 per day | Up to 7 people, up to 30 days each per accident |
| Travel costs while the car is in the garage, when you are in the right | THB 1,500 / 2,000 / 1,000 each time | Car-to-car collision where the other party is identified; up to 3 times per year, all cases combined |
| Travel costs while the car is in the garage, when you are not in the right | THB 750 / 1,000 / 1,000 each time | Up to 3 times per year, all cases combined |
| Travel compensation if the car is stolen or a total loss | THB 30,000 / 40,000 per year / Not covered | – |
| Loss of or damage to personal belongings | THB 30,000 / 40,000 per year / Not covered | – |
Roughly how much is the Driver Safe Mini premium?
Annual premiums, including tax and duty, as of 14 October 2026
| Plan | Starting premium (THB per year) | Strengths |
|---|---|---|
| Plan 3 | 850 | Daily compensation THB 1,800, travel costs THB 1,000 |
| Plan 1 | 1,500 | Adds compensation for theft / total loss and for belongings, THB 30,000 |
| Plan 2 | 2,000 | Daily compensation THB 2,500 and a THB 40,000 limit |
Every figure is a starting premium. The actual premium is the one on your quote, subject to the insurer's underwriting decision.
Worked example: how much compensation do you get from one accident?
Say your car collides with another car and you are in the right. The driver and 1 passenger each spend 4 days in hospital, and the car goes into the garage once.
- Plan 3 (premium 850): daily 1,800 × 4 × 2 people = THB 14,400 + travel costs THB 1,000 = THB 15,400
- Plan 1 (premium 1,500): daily 1,800 × 4 × 2 = THB 14,400 + travel costs THB 1,500 = THB 15,900
- Plan 2 (premium 2,000): daily 2,500 × 4 × 2 = THB 20,000 + travel costs THB 2,000 = THB 22,000
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. A simple rule: if you only want the daily compensation, Plan 3 pays the same rate as Plan 1 for a premium THB 650 lower.
Who is Driver Safe Mini for?
- People who already have car insurance, but whose current policy has no daily compensation or travel costs
- Drivers who regularly carry passengers, since daily compensation covers up to 7 people per accident
- Daily-paid workers or freelancers whose income stops as soon as they are in hospital
- People with Class 3 or 3+ cover who want a lump sum if the car is stolen or wrecked (Plans 1–2)
Who should not buy this plan yet?
- People looking for main car insurance: this plan does not pay for car repairs or cover the other party
- People whose car insurance already includes daily compensation and travel costs, such as Chubb 2+ X-Treme: the cover may overlap
- People who want compensation if the car is stolen but choose Plan 3: Plan 3 does not cover this
- People who want medical expenses paid at actual cost: this plan pays daily compensation, not medical expenses
Limits to check before you decide
- Daily compensation requires a hospital stay as an inpatient due to a car accident, for up to 7 people, up to 30 days each per accident
- Travel costs while the car is in the garage apply only to a car-to-car collision where the other party is identified, up to 3 times per year, all cases combined
- Plan 3 has no compensation for theft / total loss or for personal belongings
- The theft and belongings limits are annual limits
To see how travel costs paid by your insurance differ from loss-of-use compensation claimed from the other party, read Claiming loss-of-use compensation
Want to know which plan to choose? 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 car insurance policy
Our team will check whether your current insurance already pays the same compensation, 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
If a passenger is in hospital, do they get compensation?
Yes. Daily compensation applies to the driver or passengers, up to 7 people in total, up to 30 days each per accident.
How do Plan 1 and Plan 3 differ?
Both pay the same daily compensation of THB 1,800. Plan 1 adds compensation of THB 30,000 for theft / total loss and for personal belongings, and travel costs of THB 1,500 when you are in the right. The premiums differ by THB 650.
If I am at fault, do I get travel costs?
Yes. When you are not in the right, Plan 1 pays THB 750 and Plans 2 and 3 pay THB 1,000 each time, provided it is a car-to-car collision where the other party is identified.
Can I use it alongside car insurance from another insurer?
Send us your current car insurance policy and our team will check the underwriting conditions with the insurer for you.
How does daily compensation differ from medical expenses?
Daily compensation is paid by the number of days in hospital, regardless of the actual treatment cost. Medical expenses are paid against the bills by your existing car insurance or health insurance.
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 cover and premium information on this page is based on Chubb Samaggi Insurance Public Company Limited's product information for Driver Safe - Mini as of 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, in service since 2004. Read the policy and the quote in full before you decide.
Price: THB 850
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