Chubb JustOne 2026 Class 1 insurance for cars up to 20 years old
- Published: 14 October 2026
Chubb JustOne 2026 Class 1 insurance for cars up to 20 years old
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 10,800–42,600 per year, depending on the car model, the car's age, the type of repair and the province of registration, incl. stamp duty and tax
Key feature: Class 1 with garage repair for cars up to 20 years old and dealer repair up to 5 years, fixed premiums by model group, applications accepted until 24 Dec 2026
Your Honda City is eight years old and its resale value is down to a few hundred thousand THB. The Class 1 renewal notice from your current insurer is so expensive that you are thinking of dropping to 2+. But you still use the car to take the children to and from school every day, and if you hit a post or scrape a wall on your own, 2+ won't pay a thing.
If you still want Class 1 for an older car on a budget of a little over THB 10,000, which models does JustOne 2026 accept, how much is the premium, and what are the conditions?
Chubb JustOne Class 1 insurance: who is it for and how much is the premium?
In short: Chubb JustOne 2026 Class 1 insurance from Chubb Samaggi Insurance suits owners of popular models on its list, such as the Toyota Vios, Honda City, Isuzu D-Max and Honda CR-V, who want to stay on Class 1 even though the car is getting old. Garage repair accepts cars aged 2–20 years and dealer repair 2–5 years. It covers damage to the car, theft and fire up to the sum insured, THB 25,000 for added accessories and THB 5,000,000 for third-party property. Premiums start from THB 10,800 per year for a Nissan March, Honda Jazz or Toyota Yaris aged 11–20 years with a provincial registration and garage repair (data as at 14 Oct 2026). The actual premium depends on the model, the car's age, the sum insured and the province of registration.
What does JustOne Class 1 insurance cover?
| Coverage | Garage repair | Dealer repair |
|---|---|---|
| Damage to the car | Up to the sum insured | Up to the sum insured |
| Theft / fire | Up to the sum insured | Up to the sum insured |
| Third-party bodily injury or death (per person) | THB 500,000 | THB 1,000,000 |
| Third-party bodily injury or death (total per accident) | THB 20,000,000 | THB 20,000,000 |
| Third-party property (per accident) | THB 5,000,000 | THB 5,000,000 |
| Personal accident (RY.01) / medical expenses (RY.02) | THB 200,000 / 200,000 per person | THB 200,000 / 200,000 per person |
| Driver bail bond (RY.03) | THB 300,000 per accident | THB 300,000 per accident |
| Added accessories (included in the sum insured) | THB 25,000 | THB 25,000 |
| Emergency breakdown assistance (Roadside Assistance) | Gold Plan | Gold Plan |
What does the Gold Plan emergency assistance include?
Available when your car breaks down and cannot be driven any further, 24 hours a day in every province except island areas, although Phuket, Koh Samui and Koh Chang are still served. The hotline given in the programme document is +66 2 039 5720
| Service | Gold Plan entitlement |
|---|---|
| Battery jump-start | Unlimited times per year |
| Spare tyre change (a spare tyre must be in the car) | Unlimited times per year |
| Emergency fuel delivery if you run out on the road | 10 litres per call-out, up to 3 times per year |
| Locksmith to open the car door at the scene | Unlimited times per year |
| Lifting or towing the car to the nearest repair centre | Up to 150 km per tow, up to 3 times per year |
| Telephone advice from a technician | Unlimited times per year |
| Rental car or travel costs while the car is being repaired | Up to THB 1,500 per day, for a maximum of 7 days per incident |
| Onward travel tickets or accommodation (breakdown more than 100 km from home) | Economy-class tickets up to THB 2,500 per person, or accommodation up to THB 3,000 per room per night for up to 2 nights, for up to 4 people including the driver |
The last 2 rows have extra conditions. The rental car applies when the car breaks down during a journey, the service provider tows it to that make's service centre, and the repair is not finished within 24 hours. Tickets or accommodation apply when the car is towed to an authorised service centre and the repair is not finished by 18:00 the same day.
Roughly how much is the JustOne Class 1 premium?
Annual premiums incl. stamp duty and tax, data as at 14 October 2026. The figures in each cell are, in order: dealer repair 2–5 years / garage repair 2–5 years / garage repair 6–10 years / garage repair 11–20 years
| Model group | Bangkok registration* | Provincial registration |
|---|---|---|
| Nissan March, Honda Brio, Honda Jazz, Honda Mobilio, Mitsubishi Mirage | 21,500 / 13,000 / 12,900 / 11,000 | 21,500 / 12,600 / 11,800 / 10,800 |
| Nissan Note, Toyota Yaris, Toyota Yaris Ativ | 21,500 / 13,600 / 13,200 / 11,300 | 21,500 / 13,200 / 12,500 / 10,800 |
| Nissan Almera, Honda City, Suzuki Swift, Toyota Vios | 22,100 / 13,900 / 13,400 / 11,400 | 22,100 / 13,400 / 13,000 / 11,300 |
| Mazda 2 | 21,500 / 14,500 / 13,700 / 11,700 | 21,500 / 14,100 / 13,400 / 11,400 |
| Toyota Corolla Altis, Corolla Cross, Honda HR-V, Mitsubishi Xpander, Xpander Cross | 23,600 / 14,300 / 13,800 / 12,900 | 22,000 / 13,900 / 13,200 / 12,500 |
| Honda BR-V, Suzuki Ertiga, Suzuki XL7 | 20,100 / 14,700 / 13,900 / 13,300 | 20,100 / 13,700 / 13,300 / 12,600 |
| Isuzu D-Max 4-door, Toyota Hilux Revo, Hilux Vigo 4-door, Mitsubishi Triton 4-door | 20,000 / 12,800 / 12,400 / 11,500 | 18,100 / 12,600 / 12,000 / 11,400 |
| Isuzu MU-X | 18,800 / 13,700 / 12,900 / 12,600 | 16,800 / 13,400 / 12,300 / 11,900 |
| Honda CR-V, Toyota Fortuner, Mitsubishi Pajero Sport, Ford Ranger 4-door | 21,400 / 13,900 / 13,400 / 12,600 | 19,100 / 13,400 / 12,500 / 12,200 |
| Honda Civic (except Type R), Mazda CX-3, CX-30, Ford Everest | 24,500 / 16,600 / 15,600 / 13,700 | 21,900 / 15,200 / 14,200 / 11,800 |
| Mazda 3, Mazda CX-5, Honda Accord, Toyota Camry | 26,500 / 18,100 / 15,500 / 13,900 | 23,200 / 15,900 / 14,200 / 13,100 |
| Toyota Alphard, Toyota Vellfire | 42,600 / 31,600 / 29,600 / 24,600 | 41,700 / 30,200 / 29,000 / 24,400 |
| 2-door pickups (code 320): D-Max, Hilux Revo/Vigo, Navara/Frontier/NP300, Ranger, Triton | 24,500 / 15,600 / 14,400 / 14,400 | 22,600 / 14,800 / 13,600 / 13,600 |
| Vans (code 210): Hyundai H-1, Hyundai Staria | 28,400 / 20,300 / 18,800 / 16,700 | 25,800 / 19,300 / 18,100 / 15,800 |
| Vans (code 210): Toyota Commuter | 42,400 / 29,700 / 26,600 / 23,100 | 40,900 / 26,500 / 24,700 / 22,300 |
*Bangkok registration includes Nonthaburi, Pathum Thani, Samut Prakan, Samut Sakhon and Nakhon Pathom. Each model has a set sum insured range by the car's age, which our team will give you in the quote. Every figure is a starting premium. The actual premium is based on the quote and the insurer's underwriting decision.
Worked example: how much do you pay for an 8-year-old Honda City and a 15-year-old Toyota Vios?
- 8-year-old Honda City, Nonthaburi registration: falls in the garage repair 6–10 years band at the Bangkok rate, premium THB 13,400 per year (about THB 1,117 a month on average = 13,400 ÷ 12). Dealer repair is not available because the car is over 5 years old.
- 15-year-old Toyota Vios, Khon Kaen registration: garage repair 11–20 years at the provincial rate, premium THB 11,300 per year. The sum insured for cars of this age is between THB 80,000 and 270,000.
- 3-year-old Nissan March, Bangkok registration: dealer repair THB 21,500 · garage repair THB 13,000, a difference of THB 8,500 per year
This example is for illustration only. A simple rule: the older the car, the lower the garage repair premium, but the sum insured also falls with the car's value, so always look at the sum insured on the quote alongside the premium.
Who is JustOne Class 1 insurance for?
- Owners of listed models aged 11–20 years who still want Class 1 garage repair on a budget of around THB 11,000–14,000
- People who drive every day and risk accidents of their own with no other party involved, which 2+ and 3+ do not cover
- Owners of cars aged 2–5 years who want to compare dealer and garage repair premiums in one table
- People with added accessories, such as alloy wheels or a dash cam, worth up to THB 25,000
Who should not buy this plan yet?
- Models not on the list. This plan only accepts the makes and models listed. See CHUBB Smart Drive, which prices each car individually
- Cars over 5 years old that need dealer repair. Dealer repair is only for cars up to 5 years old
- Vehicles fitted with a cargo box, steel frame, refrigeration unit, crane, tipper or modified leaf springs or axles. These are not covered by the added-accessories limit. See Class 1 insurance for pickups with a cage or cargo box
- People applying after 24 December 2026. The programme's application period ends on that date
- Honda Civic Type R. The table excludes this model
Limits to check before you decide
- Only the makes and models listed are accepted, and the car must meet the insurer's underwriting criteria
- Garage repair accepts cars up to 20 years old, dealer repair up to 5 years
- Third-party bodily injury or death per person differs: THB 500,000 with garage repair, THB 1,000,000 with dealer repair
- The THB 25,000 for added accessories is included in the sum insured. It excludes stickers, Kevlar, carbon bonnets, ceramic or paint coatings, steel frames, cargo boxes, refrigeration units, generators, modified leaf springs or axles, and lifting equipment
- The car must be inspected, using photos from a Time Stamp app or photos with a clearly shown date, or by the insurer itself
- Gold Plan is an emergency breakdown service. Towing is limited to 3 times per year, up to 150 km each time. If the locksmith has to tow the car away to make a new key, the owner pays all the costs
- Applications are accepted from 15 June to 24 December 2026
Garage or dealer repair? Read Network garage vs non-network garage vs dealer repair: which should you choose?
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 whether your car model is in the programme, then send you a written quote within a business day, showing the sum insured you get, the garage repair and dealer repair premiums (if the car's age qualifies), and compulsory motor insurance (CMI) if you want it at the same time. 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 an 18-year-old car really get Class 1?
Yes, if it is a listed model and passes the inspection. Garage repair accepts cars up to 20 years old; for example, an 18-year-old Toyota Vios with a Bangkok registration costs THB 11,400.
Does JustOne cover flood?
Chubb's product page states cover for flood damage to the car. Payment is subject to the policy's conditions and exclusions. For how to claim, read Flood-damaged car: can you claim on your insurance?
Which rate applies to a Nonthaburi registration?
The Bangkok rate. This programme groups Nonthaburi, Pathum Thani, Samut Prakan, Samut Sakhon and Nakhon Pathom with Bangkok registrations.
Is there a premium difference between 4-door and 2-door pickups?
Yes. A 4-door pickup (D-Max, Revo, Vigo, Triton) with garage repair, aged 11–20 years with a Bangkok registration, costs THB 11,500, while a 2-door pickup (code 320) in the same band costs THB 14,400.
Do I have to take the car for an inspection?
You can send photos of the car taken with a Time Stamp app or photos that clearly show the date taken, or have the insurer inspect the car. Our team will tell you which angles to shoot.
How is JustOne different from Chubb Smart Drive?
JustOne has a fixed premium table by model group and accepts new policies with garage repair up to 20 years. Smart Drive prices each car individually, accepts new garage repair policies up to 15 years, and extends to 20 years only for renewals with no at-fault claims.
Who can I call if the car won't start or runs out of fuel on the road?
Call the Roadside Assistance hotline on +66 2 039 5720, 24 hours a day. Battery jump-starts are unlimited, and emergency fuel is 10 litres per call-out, up to 3 times per year. This service is separate from accident claims.
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 coverage and premium information on this page is based on Chubb Samaggi Insurance Public Company Limited's JustOne 2026 programme document (edition 06/2026), Chubb's Roadside Assistance service document (edition 08/2023) and the insurer's product page, checked on 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, providing services since 2004. Please read the policy and the quote in full before deciding.
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