Question 1

What is the difference between Class 3, Class 2 and Class 1 insurance?

Accepted Answer

Class 1 insurance is comprehensive and covers both your car and third parties. Class 2 and 3 insurance usually only covers civil liability. Classes 2+ and 3+ provide partial cover for your car, but Class 3 is mainly aimed at public liability cover.

Question 2

If I get into an accident and my car can't move, will first class insurance cover the towing of the car?

Accepted Answer

Yes. First Class insurance will cover towing your car to the nearest garage or dealer if you are involved in an accident (unlike Roadside Assistance cover).

Question 3

Is there an emergency hotline?

Accepted Answer

Every insurance company is required to have an emergency hotline.

Question 4

Can I specify a driver? Will it be cheaper?

Accepted Answer

In some cases it may be cheaper. However, the rates on our website are already lower than insurance companies' offers. You can specify up to 2 drivers, sometimes this can lower the premium, but then only the named driver can drive.

Question 5

What kind of insurance should I choose?

Accepted Answer

We always recommend choosing Class 1 insurance as it offers the most comprehensive coverage. If you want partial damage cover for your car, you can choose class 2+ or 3+. If you only want third party cover, choose class 3.

Question 6

Is there a bonus for accident-free driving?

Accepted Answer

The accident-free driving bonus is only available for first class insurance. If you have not had an accident, the bonus will be 20% annually until you reach 50%. This depends on the rules of each insurance company.

Question 7

What is Dealer and Garage coverage in auto insurance?

Accepted Answer

When you buy First Class insurance, you can choose either Dealer or Garage coverage. This means that in the event of an accident, if you have a dealer policy and you drive a Toyota, you can take your car to a Toyota dealer for repairs, but if you have a garage policy, you will need to go to a regular service center. Insurance with dealer coverage will cost more than regular garage coverage.

Question 8

If I buy now, will the coverage be in effect today?

Accepted Answer

Yes, if your coverage start date is today, your accidents are covered immediately. Once you have paid, coverage is guaranteed.

Question 9

Will it provide coverage in case I damage property or a person?

Accepted Answer

Yes, all of these insurance policies provide liability coverage or third party insurance.

Question 10

What are the age limits for these classes of insurance?

Accepted Answer

It depends on the insurance companies, but for Class 1, usually the allowable age of the car is between 1 and 10 years. For classes 2+ and 3+ it is 1 to 15 years, and class 3 is up to 25 years.

Question 11

Can I get a discount if I have a DVR?

Accepted Answer

Not all companies offer discounts for having a DVR, but some do. You can choose the option with DVR when comparing and requesting quotes through our service.

Question 12

How soon will I receive the original policy?

Accepted Answer

You will receive two sets of documents (PDF and originals). The PDF will be sent within 1-2 days by LINE or email, this will be your temporary policy. The originals will arrive in the mail within 7-14 business days. Your car is already insured and you can call the hotline for emergencies.

Car Insurance in Thailand

About car insurance in Thailand

1 class insurance (Type 1)

2 class advanced insurance (Type 2+)

3 class insurance (Type 3)

3 class advanced insurance (Type 3+)

Questions and answers