Chubb 3+ Eco Plus

CHUBB 3+ Eco Plus: insurance for cars up to 25 years old, from THB 5,000*

Your car still runs well, but you don't want to keep paying a high Class 1 premium?

CHUBB 3+ Eco Plus is Class 3+ car insurance for people who want to control their budget but still want cover for their own car in a collision with a land vehicle where the other party can be identified, along with liability for third-party bodily injury, death and property.

This plan 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	Details
Starting premium	THB 5,000 per year*
Sum insured (car)	THB 100,000 or 200,000
Maximum vehicle age	Up to 25 years
Repair location	Insurer's network garages
Car-to-car collision	Covered when the other party can be identified
Roadside Assistance	Silver Plan, 24 hours a day

What you need to know before choosing

The 3+ Eco Plus plan does not cover flood, theft or fire. If you are worried about these risks, ask our team to compare it with 2+ or other plans before you decide.

Check the CHUBB 3+ premium on LINE @prakanthai

Send the word “CHUBB3+” with the make, model, year and registration province
Call +66 2 459 2223

The Prakanthai.com website lists its main contact channels as LINE Official @prakanthai and the hotline +66 2 459 2223

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CHUBB 3+ Eco Plus premium table

Sum insured	Bangkok and designated areas	Other provinces
THB 100,000	THB 5,500	THB 5,000
THB 200,000	THB 6,500	THB 6,000

The Bangkok rate area includes:

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

Premiums in the table include tax and stamp duty but not compulsory motor insurance (CMI), and are fixed at the same rate for new policies and renewals, according to the product document referred to.

*The starting premium of THB 5,000 applies to a sum insured of THB 100,000 with a provincial registration; the car must meet the insurer's underwriting criteria

Send your car details to check the rate that actually applies

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Key coverage

The insured's car

Covers damage to the car from a collision with a land vehicle where the other party can be identified, paying up to the sum insured of THB 100,000 or 200,000 depending on the plan chosen

Third party

Coverage	Maximum limit
Bodily injury or death	THB 500,000 per person
Total damage per accident	THB 20,000,000
Third-party property	THB 1,000,000 per accident

Driver and passengers

Coverage	Limit
Personal accident	THB 100,000 per person
Medical expenses	THB 100,000 per person
Driver bail bond (criminal cases)	THB 300,000

Up to 7 people including the driver are covered for passenger cars with code 110/120, and up to 3 people including the driver for pickups with code 320.

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What is and isn't covered

Incident	Cover for your car
Collision with another car where the other party can be identified	Covered up to the sum insured
Collision with a motorcycle where the other party can be identified	Covered under the policy conditions
Hitting a post, wall, gate or object	Not within the condition of a collision with a land vehicle
The other party's details cannot be provided	May not meet the conditions for cover of your car
Car damaged by flood	Not covered
Car lost or stolen	Not covered
Car fire	Not covered

Accepting the claim notification and assessing the claim depend on the facts, the evidence, the policy schedule, conditions and exclusions. Chubb Samaggi Insurance makes the decision.

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Who is this plan for

CHUBB 3+ Eco Plus suits car owners who:

• Have a car that still runs well but is getting older, and don't want to pay for Class 1
• Want cover for their own car only in car-to-car collisions, subject to conditions
• Park where the risk of theft and flooding is fairly low
• Accept that hitting objects, theft, fire and flood are not covered
• Want third-party liability with clear limits

When to consider 2+ or Class 1

Compare other plans first if your car is still of high value, is regularly parked outside your home, is in a flood-prone area, or if you want theft and fire cover.

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

Send a photo of your current policy with the make, model, year and registration province
Call +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 chosen sum insured

Makes named in the document:

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

The car must still be assessed on its model, year, condition, use and the insurer's other criteria; being on the list of makes is not enough on its own.

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Which vehicles are not accepted

Vehicles with the following features are not accepted:

• Pickups fitted with cages, cargo boxes, steel frames, dump beds or hiab cranes
• Pickups converted into passenger vehicles or songthaews
• Vehicles with modified leaf springs or axles
• Vehicles with modified engines
• Lowered, raised or modified cars
• Rescue or emergency vehicles
• Demo or Test Drive cars

Final acceptance depends on the decision 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, namely:

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

Parts or modifications made of Kevlar, aluminium or carbon, stickers, paint coating and glass coating are not covered

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Frequently asked questions

Does the THB 5,000 premium apply to every car?

No. THB 5,000 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 vehicle type that is accepted, its value must be within the criteria, and it must have no modifications the insurer won't insure.

Is hitting a post or a wall covered?

Damage to your car is not covered, because it is not a collision with a land vehicle.

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

There must be information or evidence that allows the other party to be identified under the insurer's conditions, such as registration details, camera footage or other evidence. The insurer will decide based on the facts and the policy.

Are flood, theft and fire covered?

Under this document, the 3+ Eco Plus plan covers none of the three

Does the premium include CMI?

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

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Not sure whether 3+ is enough for your car?

Send your car details or a photo of your current policy 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 uses the Bangkok or the provincial rate
• Whether to choose 3+ or upgrade your cover to 2+
• Whether the premium and details in the quote are correct

Check your premium on LINE Official @prakanthai

Send the word “CHUBB3+” with:

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

Or call +66 2 459 2223

Prakanthai.com is run by Mr Prasert Kiatveerapat, a non-life insurance broker, licence no. 5104000004, and has been in business since 2004.

Click here to request a quote