Chubb 2+ Eco Plus

CHUBB 2+ Eco Plus: insurance for cars up to 25 years old, from THB 5,700*

Your car still runs well, but it's getting older and the Class 1 premium is starting to look high compared with the car's value?

CHUBB 2+ Eco Plus is Class 2+ car insurance for owners who want to keep the premium down but still want cover for their own car in a collision with a land vehicle where the other party can be identified, plus theft or fire cover up to the sum insured.

It accepts cars up to 25 years old, with repairs at the insurer's network garages and 24-hour roadside emergency assistance at Silver Plan level, subject to the insurer's conditions.

Key points in 30 seconds

What you need to know before choosing:
This plan covers theft and fire, but does not cover flood, and it does not pay to repair your car after hitting a post, wall or gate, or after any incident that does not meet the condition of a collision with a land vehicle.

Check the premium and conditions for your car

Send the word “CHUBB2+” with the make, model, registration year and registration province, and the Prakanthai team will check it for you

LINE Official: @prakanthai
Tel. +66 2 459 2223

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Just THB 500–700 more than 3+ adds theft and fire cover

Comparing 2+ Eco Plus with 3+ Eco Plus at the same sum insured and registration area, using the rates in the same rate sheet:

The key difference is that 2+ Eco Plus covers theft and fire up to the sum insured, while 3+ Eco Plus does not cover this.

Under this rate sheet, neither 2+ nor 3+ Eco Plus covers flood.

If your car is regularly parked outside your home, or you still want to reduce the risk of theft and fire, paying an extra THB 500–700 a year may suit you better than choosing 3+ on price alone.

Let the Prakanthai team compare 2+ and 3+ for you

Send your car details or a photo of your current policy via LINE Official @prakanthai
Call +66 2 459 2223

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CHUBB 2+ Eco Plus premium table

The Bangkok rate area includes:

Bangkok, Nonthaburi, Pathum Thani, Samut Prakan and Samut Sakhon

Premiums in the table:

• Include tax and stamp duty
• Do not include compulsory motor insurance (CMI)
• Are fixed premiums, with no further discounts at this rate
• Use the same rate for new policies and renewals
• Underwriting is subject to the insurer's criteria

*Premium from THB 5,700 for a sum insured of THB 100,000 with a provincial registration; the car must meet the insurer's underwriting conditions

Does your car use the Bangkok or the provincial rate?

Send your registration province, make, model and year, and the Prakanthai team will check via LINE Official @prakanthai
Call +66 2 459 2223

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CHUBB 2+ Eco Plus coverage

Damage to the insured's car

Whether the other party can be identified depends on the facts, the evidence and the policy conditions. Chubb Samaggi Insurance assesses the claim.

Third-party liability

Cover for the driver and passengers

Number of people covered:

• Passenger cars with code 110 or 120: up to 7 people, including the driver
• Pickups with code 320: up to 3 people, including the driver

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Which incidents are covered for your own car

Rights and claim payments are subject to the facts, the policy schedule, endorsements, conditions and exclusions of the policy.

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Who is CHUBB 2+ Eco Plus for

This plan suits car owners who:

• Have a car that still runs well but is getting older
• Don't want to pay a Class 1 premium
• Want cover for their car in car-to-car collisions, subject to conditions
• Still worry about theft or fire
• Are happy with network garage repair
• Accept that this plan does not cover flood or hitting objects
• Have no modifications outside the insurer's criteria

When to consider another plan

Compare Class 1 or another plan first if:

• Your car is still new or of high value
• You want cover for hitting posts or walls, or for incidents with no other party
• You drive or park in flood-prone areas
• You want dealer repair
• Your car has engine, suspension or structural modifications
• You use your car in a special way that may not meet the underwriting criteria

Not sure whether 2+ is enough?

Send a photo of your current policy and the Prakanthai team will compare the cover with you before you decide

LINE Official: @prakanthai
Tel. +66 2 459 2223

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Which vehicles are eligible

Generally accepted:

• Passenger cars with up to 7 seats, code 110 or 120
• Commercial pickups up to 4 tonnes, code 320
• Vehicles up to 25 years old
• Car value at the time of application up to THB 2,000,000
• The car's value must not be lower than the sum insured of the chosen plan

Makes named in the document:

Chevrolet, Ford, Honda, Hyundai, Isuzu, Mazda, MG, Mitsubishi, Nissan, Subaru, Suzuki and Toyota

Being on the list of makes does not mean every car can be insured. The insurer will consider the model, year, value, condition and use of the car, and other information under its underwriting criteria.

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Which vehicles are not accepted

Vehicles with the following features are not accepted:

• Pickups fitted with cages, cargo boxes or steel frames
• Dump trucks or vehicles fitted with hiab cranes
• Pickups converted into passenger vehicles or songthaews
• Vehicles with modified leaf springs or axles
• Vehicles with modified engines
• Lowered or raised vehicles
• Modified cars outside the insurer's criteria
• Rescue or emergency vehicles
• Demo or Test Drive cars

Final acceptance is at the discretion of Chubb Samaggi Insurance

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How accessories are covered

Standard equipment fitted at the factory or by the car dealer is covered in full and is already included in the sum insured

Additional accessories are covered up to a combined THB 20,000 and must be included in the sum insured, limited to:

• Alloy wheels
• Audio system
• In-car TV
• Dashcam
• Spoiler
• Window tint film

The following accessories or modifications are not covered:

• Kevlar
• Aluminium
• Carbon
• Stickers
• Paint coating
• Glass coating

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Frequently asked questions

Does the THB 5,700 premium apply to every car?

No. THB 5,700 is the rate for a sum insured of THB 100,000 with a provincial registration, and the car must meet the insurer's underwriting criteria.

Can every 25-year-old car be insured?

Not every car. It must be a make and type the insurer accepts, its value must be within the criteria, and it must not have any modifications the insurer won't insure.

Is flood covered?

Flood is not covered under the CHUBB 2+ Eco Plus details referred to here.

Are theft and fire covered?

Yes, up to the sum insured of the chosen plan. Claims are assessed on the facts and on the conditions and exclusions in the policy.

Is my car covered if I hit a post or a wall?

Repairs to your car are not covered, because it is not a collision with a land vehicle under the plan's conditions.

Can I claim if the other party hits me and drives off?

It depends on whether there is enough information or evidence to identify the other party, such as the registration number, camera footage, witnesses or proof that the incident was reported. The insurer will decide based on the facts and the policy conditions.

Does the premium include CMI?

It does not include CMI, but it does include tax and stamp duty.

Do new policies and renewals have the same premium?

Under this rate sheet, the same rate applies to new policies and renewals. Always check the latest rates before you pay.

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Check before you buy whether CHUBB 2+ suits your car

Send your car details and the Prakanthai team will check:

• Whether your car meets the underwriting criteria
• Whether a sum insured of THB 100,000 or 200,000 suits you better
• Whether your registration province uses the Bangkok or the provincial rate
• Whether 2+ or 3+ better suits your risks
• Whether your accessories are within the scope of cover
• Whether the details in the quote and the policy are correct

Contact Prakanthai

LINE Official: @prakanthai
Tel. +66 2 459 2223

Send the word “CHUBB2+” with:

Make / model / registration year / registration province / current policy expiry date

Prakanthai.com has provided non-life insurance services since 2004 through Mr Prasert Kiatveerapat, a non-life insurance broker, licence no. 5104000004, with a real office and a team you can contact.

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Insurance disclaimer

Chubb Samaggi Insurance Public Company Limited is the insurer. It decides on underwriting, issues the policy and assesses claims based on the facts, the policy schedule, endorsements, conditions and exclusions of the policy.

Prakanthai.com provides information, advice and assistance to applicants for insurance.

This content is a summary to help you decide and is not part of the insurance contract. For the full details of the cover, conditions and exclusions, refer to the insurance policy.

Premiums, sums insured and underwriting criteria may change. Buyers should check the quote, the vehicle details, the start and end dates of cover, the policy schedule, endorsements and exclusions before paying the premium.

Click here to request a quote