Viriyah motorcycle theft insurance: pays THB 15,000, premium THB 290 per year
- Updated: 15 October 2026
Viriyah motorcycle theft insurance: pays THB 15,000, premium THB 290 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Viriyah Insurance Public Company Limited
Premiums from THB 290 per year
Highlights: THB 15,000 if your motorcycle is stolen or totally wrecked in an accident, plus THB 50,000 of accident cover and income compensation of THB 1,000 a day
You park your motorcycle in front of the market for just ten minutes, and when you come back the whole bike is gone. You haven't finished paying for it, and the only insurance you have is CMI, which doesn't pay when the vehicle is lost.
Motorcycle theft insurance for under THB 300 a year: how much does it pay, and which conditions end the policy?
Viriyah motorcycle theft insurance: who is it for, and how much is the premium?
In short: Viriyah Insurance's motorcycle theft and personal accident insurance suits owners of motorcycles up to 15 years old who worry about theft. It pays THB 15,000 if the motorcycle is stolen outright or totally wrecked in an accident, covers THB 50,000 if the insured dies or is permanently disabled in an accident, and pays income compensation of THB 1,000 a day for up to 3 days. Premiums start at THB 290 per year (as at 15 October 2026). Acceptance depends on the vehicle and the insurer's assessment.
What does motorcycle theft insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Loss of the entire motorcycle through theft, stealing, snatch robbery or gang robbery | 15,000 | – |
| Total loss of the motorcycle in an accident | 15,000 | Damage exceeding 80% of the motorcycle's value on the date of the incident |
| Death or permanent disability of the insured from an accident | 50,000 | – |
| Income compensation during treatment for an accident | 1,000 per day | Outpatient or inpatient, up to 3 days per year |
Outpatient treatment needs a medical report stating the symptoms, diagnosis and treatment. Inpatient means being treated in hospital continuously for at least 6 hours and registered as an inpatient.
How much does motorcycle theft insurance cost?
Premiums from THB 290 per year, as at 15 October 2026, for 1 year of cover. The sum insured in year 1 is set by the table. The actual premium is as stated in the quote and subject to the insurer's underwriting decision.
Worked example: the premium compared with what you receive if the motorcycle is stolen
- Average premium per month: 290 ÷ 12 = about THB 24
- If the whole motorcycle is stolen, you receive THB 15,000, about 51 times the premium (15,000 ÷ 290)
- If the market value of the motorcycle is THB 45,000, the payment covers 15,000 ÷ 45,000 = 1 in 3 of its value
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. The rule of thumb: this plan is a payment to help you make a fresh start, not the full cost of the motorcycle. The higher the value of the motorcycle, the smaller the share you get back.
Who is motorcycle theft insurance for?
- Owners of any make and model of properly registered motorcycle aged no more than 15 years
- People who regularly have to park in public places, such as markets, mass transit stations or outside the workplace
- People who have only CMI and want theft cover for a few hundred baht
- People who ride every day and want income compensation if they are injured
Who should not buy this plan yet?
- Owners of expensive motorcycles who want a limit equal to the value of the bike: this plan pays up to THB 15,000 and is not based on the value of the motorcycle
- People who are still paying off their motorcycle and worry about instalments: see Motorcycle Plus insurance, which compensates up to 3 instalments
- Motorcycles over 15 years old are not accepted by this plan
- People who want repair costs for ordinary accidents: this plan pays only for a total loss exceeding 80% and does not pay partial repair costs
Limits to check before you decide
- Once you claim under any one cover, the policy ends automatically, unless the damage arises continuously from the same event or a special agreement states otherwise
- Embezzlement and illegally pawning the vehicle are not covered, nor is illegal use of the vehicle, such as robbery, drug transport or speed racing
- A total loss must exceed 80% of the motorcycle's value on the date of the incident
- Income compensation for up to 3 days a year, outpatient and inpatient combined
- The insurer reserves the right to decline surrender or cancellation of the policy, as this is a special premium offer
If you want insurance that pays for repairs and also covers the other party, see 3+ MotorBike motorcycle insurance
Want to know whether your car can be insured? What do you need to send?
Send just 2 things
- A photo of the front page of the motorcycle's registration book
- The schedule page of your existing insurance policy (if you have one)
Our team will check the age of the motorcycle and the conditions, and reply within a business day. If the motorcycle is still being paid off, we will also compare it with the Motorcycle Plus plan for you. 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 I leave the key in the motorcycle and it is stolen, can I claim?
This plan covers loss of the motorcycle through theft, stealing, snatch robbery and gang robbery. The outcome depends on the facts and the policy conditions. You should report it to the police and notify the insurer immediately.
If I lend the motorcycle to a friend and they don't return it, is it covered?
No. Embezzlement is an exclusion under this plan.
If the motorcycle falls and is partly damaged, are repair costs paid?
No. This plan pays only for a total loss, where the damage exceeds 80% of the motorcycle's value on the date of the incident.
If I see a doctor without being admitted to hospital, do I get income compensation?
Yes, if you are injured in an accident and have a medical report stating the symptoms, diagnosis and treatment: THB 1,000 per day, up to 3 days a year in total.
After I claim income compensation, is the motorcycle still covered against theft?
According to the plan's notes, once a claim is paid under any one cover, the policy ends automatically, unless it is the same continuing event or there is a special agreement. You should ask our team before you claim.
Who approves claims: Prakanthai.com or Viriyah?
Underwriting and claim payments are decided by Viriyah Insurance. Prakanthai.com, as the broker, helps coordinate and follow up for you.
Notes
The coverage and premium information on this page is based on the proposal for motorcycle theft and personal accident insurance, income compensation plan of THB 1,000, from Viriyah Insurance Public Company Limited 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 290
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