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Comprehensive Guide to Type 3 Car Insurance in Thailand
Looking to buy the best Class 3 car insurance policy in Thailand? Look no further! Our platform offers extensive customization options, enabling you to tailor your coverage to suit your needs. Type 3 policies start from just 1,950 baht per year.
What is Voluntary Motor Insurance Type 3?
Type 3 Car Insurance is a basic coverage option available in Thailand. It provides protection for third-party liability only. This means it covers damage you may cause to others or their property but not your own vehicle.
Type 3 car insurance is an affordable option for those who want coverage for the unexpected and protect themselves from liability. Type 3 car insurance typically covers:
- Damage caused to others and their vehicles or property
- Driver/passenger accident cover
- Bail bond coverage
Coverage for type 3 car insurance is typically set at 10 million baht sum insured as a standard, which is more than enough coverage for most car accidents.
What's the difference between Type 3 insurance and other types of car insurance?
Type 3 car insurance is a third-party only coverage car insurance. This type of insurance provides coverage for the liable damage you have caused to others or others' property in case of an accident.
Type 1 car insurance offers the most comprehensive coverage, protecting you, your car, and others involved in accidents, regardless of fault.
Type 2+ and 3+ car insurance also provide coverage for your vehicle from vehicle-to-vehicle damage. With 2+ car insurance, you will also be covered for fire and theft.
What Does Type 3 Car Insurance Cover?
What's usually covered
All policies differ, but in general, a Type 3 car insurance policy will include cover and compensation for:
- Third-party liability (up to THB 5,000,000 per occurrence for property damages and up to THB 3,000,000 per person and THB 10,000,000 per occurrence for bodily injuries and loss of life)
- Personal injury
- Medical expenses
- Bail bond coverage
What's usually not covered
Your policy will also list exclusions for which you won't be covered. Some typical exclusions are:
- Damage to your own vehicle
- Fire damage
- Theft
- Flood
- Vehicle-to-vehicle damages to your own car
- Damage to your own property
How much does Type 3 Car insurance in Thailand Cost?
Type 3 Car Insurance offers a good balance between coverage and affordability. You can expect to pay around 2,500 baht in premiums for Type 3 Insurance for your car. Our Type 3 policies start at just 1,950 baht. The cost of your Type 3 Car Insurance in Thailand will depend on several factors:
- Vehicle make, model, and year
- Location (province or city)
- Age of the driver
While prices can vary, typically ranging from 1,950 THB to 15,000 THB, many Thai drivers find Type 3 Insurance to be a cost-effective option that provides essential coverage.
How can I get Cheaper Type 3 Car insurance in Thailand?
There are several ways to reduce your premiums for Type 3 Insurance:
Excess or Deductible
Choosing a higher deductible can lower your premium. But make sure you can afford the higher out-of-pocket expense if you need to make a claim.
Garage Repairs
For Type 3 insurance policies, there is only the garage option available. This involves getting your car fixed at one of the networked garages of the insurance company. This option is more cost-effective, as the insurance company has pre-negotiated rates with their networked garages.
Adjusting your coverage levels
Lowering your coverage will also lower your premium. Adjust your coverage to the levels you need but don't go too low - higher coverage with a higher premium often turns out more cost-effective in the long run.
Named Driver
By naming no more than three drivers on your policy, most of the time, you can lower your insurance cost premium.
Maintaining a clean driving record
Having a clean driving record will ensure your renewal premium stays where it is. Some insurers offer no-claims bonuses for accident-free years.
Special Coverage and Additional Extras
While Type 3 insurance doesn't offer as many extras as more comprehensive types, some providers may offer additional coverage options:
24/7 Roadside Assistance cover
This may be available as additional coverage like towing, battery jump-starts, and lockout assistance.
Remember that Type 3 insurance focuses mainly on third-party liability. Additional coverages may be more limited compared to Type 1 or 2+ policies, but these options can help customize your policy to better suit your needs.
Which car insurance company is good for Type 3 Car insurance?
When you're shopping for car insurance, it's smart to hunt for the best coverage you can get at a price that won't break the bank. Don't worry - all the insurance companies we list on our website are hand-picked and have proven themselves trustworthy over the years we've worked with them.
With Type 3 insurance, the best policy is often the one you can get right away. We think the company that can issue you the policy immediately is better since the coverage is very similar in most cases. You should make the most affordable decision.
Here's a list of the Top 5 car insurance companies in Thailand for Type 3 car insurance:
- Viriyah Insurance Public Company Limited
- Tokio Marine Safety Insurance (Thailand) Public Company Limited
- Bangkok Insurance Public Company Limited
- Thanachart Insurance Public Company Limited
- Muang Thai Insurance Public Company Limited
Can I buy EV car type 3 insurance?
Yes, we offer EV car Type 3 insurance. Type 3 insurance provides third-party coverage, protecting against liabilities for damage caused to other vehicles or property. It is the most basic level of coverage, primarily designed to cover costs associated with accidents that are your fault. For electric vehicles, this includes standard third-party coverage and may also offer limited protection for specific EV components like charging cables.
Although Type 3 insurance does not cover damage to your own vehicle, it remains a cost-effective option for EV owners looking for essential liability protection.
How to apply for Type 3 Car insurance in Thailand?
Compare Plans & Premiums
Select the plan that is right for you.
Apply through our website or Our Agents
Apply Right Away with confidence, or contact our customer service team with more questions. You can also contact your agents to see if they are managing your insurance for you.
Send Us the Necessary Documents
Send us the following documents to complete the process:
- Copy of your Passport or Thai Driving License
- Copy of your Bluebook or Registration or Deed of Sale
That's it: You're Covered
If your insurance starts today, you are covered. You will have coverage right away (after you receive a confirmation email from us) for third-party liability.
Frequently Asked Questions
How to claim for Type 3 car insurance?
Contact your insurance company immediately after an accident by calling the insurer hotline. Provide all necessary details about the incident, take photos of the damage, and collect information from other parties involved. Follow your insurer's instructions for submitting claim forms and supporting documents.
Is Type 3 car insurance enough for my new car?
Type 3 insurance only covers third-party liability. For a new car, you might want to consider more comprehensive coverage like Type 1 or Type 2+ to protect your investment.
Does Type 3 insurance cover damage to my own car?
No, Type 3 insurance does not cover damage to your own vehicle. It only covers liability for damage you cause to others or their property.
How much third-party liability coverage does Type 3 insurance typically provide?
Type 3 insurance usually provides up to 10 million baht in third-party liability coverage, which is sufficient for most accidents.
Can I add coverage for natural disasters like floods to my Type 3 policy?
Generally, Type 3 policies don't cover natural disasters. For such coverage, you might need to consider a more comprehensive policy type or specific add-ons if available.
Is Type 3 insurance suitable for an older car?
Yes, Type 3 insurance can be a cost-effective option for older cars, especially if the vehicle's value has significantly depreciated.
How does Type 3 insurance differ from the mandatory Por Ror Bor insurance?
Por Ror Bor is the minimum legal requirement and only covers injuries to others. Type 3 provides broader third-party liability coverage, including property damage.
Can I get roadside assistance with Type 3 insurance?
Some providers offer roadside assistance as an additional option with Type 3 policies. Check with your insurer for availability.
How quickly can I get Type 3 insurance coverage?
With us, you can often get coverage immediately after completing the application process, making the necessary payment, and providing the necessary documents.
Is it possible to switch from Type 3 to a more comprehensive policy later?
Yes, you can usually upgrade your policy type when renewing your insurance. Contact your insurance provider for specific details. Indicative ranges only. Actual premiums depend on plan/coverage, customer profile, and current campaigns. Confirm via live quote.Pricing comparison by insurer
Class Insurer Premium range (THB) Notes 1 Viriyah Garage: 10,000–26,000; Dealer: 13,000–33,000 1 Bangkok Insurance Garage: 11,000–25,500; Dealer: 14,000–32,000 1 Dhipaya Insurance Garage: 10,500–24,500; Dealer: 13,500–31,000 1 MSIG Insurance Garage: 10,200–24,000; Dealer: 13,200–30,000 1 Tokio Marine Insurance Garage: 10,400–24,800; Dealer: 13,400–31,000 1 Sompo Insurance Garage: 10,100–23,800; Dealer: 13,100–30,000 1 LMG Insurance Garage: 9,900–23,500; Dealer: 12,900–29,500 1 Chubb Samaggi Insurance Garage: 10,100–24,000; Dealer: 13,100–29,800 1 Thaivivat Insurance Garage: 7,500–23,000; Dealer: 12,500–29,000 1 Deves Insurance Garage: 9,700–22,800; Dealer: 12,400–28,800 2+ Viriyah 6,000–12,500 (repair type varies) 2+ Bangkok Insurance 6,200–12,200 (repair type varies) 2+ MSIG Insurance 5,900–11,800 (repair type varies) 2+ Sompo Insurance 5,700–11,600 (repair type varies) 2+ Dhipaya Insurance 5,900–12,000 (repair type varies) 2+ LMG Insurance 5,600–11,500 (repair type varies) 2+ The Navakij Insurance 5,500–11,000 (repair type varies) 2+ Deves Insurance 5,500–10,900 (repair type varies) 3+ Bangkok Insurance 5,000–9,500 (repair type varies) 3+ MSIG Insurance 4,800–9,200 (repair type varies) 3+ Thaivivat Insurance 4,700–9,000 (repair type varies) 3+ The Navakij Insurance 4,600–8,900 (repair type varies) 3+ Sompo Insurance 4,700–9,100 (repair type varies) 3+ Deves Insurance 4,600–8,900 (repair type varies) 3+ Falcon Insurance 4,400–8,600 (repair type varies) 3 Muang Thai 1,600–4,000 (repair type varies) 3 Deves Insurance 1,700–3,800 (repair type varies) 3 Falcon Insurance 1,650–3,600 (repair type varies) 3 The Navakij Insurance 1,700–3,700 (repair type varies) 3 LMG Insurance 1,750–3,900 (repair type varies) 3 Dhipaya Insurance 1,750–3,950 (repair type varies)
Who Should Consider Type 3 Car Insurance?
Type 3 car insurance is ideal for budget-conscious drivers with older vehicles, secondary cars, or those who primarily need third-party liability protection. This coverage suits drivers who want to meet legal requirements beyond mandatory Por Ror Bor insurance while keeping costs minimal.
Document Checklist for Type 3 Car Insurance Application
Before applying, ensure you have these essential documents ready:
- Valid Thai driving license or passport (copy)
- Vehicle registration book (blue book) or deed of sale (copy)
- Previous insurance policy (if applicable)
- ID card or work permit for foreign nationals
- Vehicle inspection certificate (if required)
- Bank account details for premium payment
泰国申请汽车保险的步骤
购买汽车保险简单易行
要申请汽车保险，我们需要您提供以下文件（这适用于每家保险公司）：
- 通过我们的网站申请或联系客户服务代表。
- 提交您的护照或泰国驾驶执照复印件。
- 提交您的绿皮书或注册或销售契约的副本。
- 支付发票保费
- 你被覆盖了。
- 原始文件（政策）将在 7-14 天内发送到您的邮寄地址
*一些保险公司要求您提供汽车的照片，但大多数保险公司的时间表和检查日期尤其是头等舱保险。
您可以通过LINE与我们聊天或通过电子邮件support@checkdi.com 向我们发送其他文件
常见问题
三等险、二等险、一等险有什么区别？
一流的保险是全面的，涵盖汽车和第三方。对于其他人，第二类和第三类通常只涵盖第三方责任。2+ 和 3+ 类仍然为您的汽车提供部分保险，但 3 类主要用于第三方责任。
汽车保险的经销商和车库保险是什么意思？
购买 1 类（第一类）汽车保险时，您可以随时在经销商或车库保险之间进行选择。这意味着，当您发生事故时，如果您有经销商的汽车保险单并且您驾驶丰田汽车，您可以将您的汽车带到丰田经销商处进行报复，但如果您有车库保单，您将需要去正常联系的车库。具有经销商类型保险的汽车保险当然会比普通的车库保险更贵。
如果我购买了 1 类汽车保险，我会立即获得保险吗？
是的，您将立即（在收到 CheckDi 的确认电子邮件后）获得第三方责任和车辆碰撞造成的损害保险。由于没有第三方的碰撞或自我造成的事故造成的保险形式损坏，只有在您通过汽车检查后才会生效。
如果我发生事故，汽车无法移动 - 一级保险会涵盖汽车的拖车吗？
是的。1 类保险会将您的汽车拖到您希望的最近的车库或经销商，当且仅当您卷入事故时（与路边服务承保范围不同）
如果我现在购买，我今天也会得到保障吗？
是的，如果您的保险开始日期是今天，您的事故将立即得到保障。只要您已经付款，那么保险就已经得到保证。
有紧急情况热线吗？
每家保险公司都必须有一条紧急热线。
我可以放一个名字驱动吗？这会更便宜吗？
在某些情况下，是的，它会更便宜。但是，我们网站上的保费是竞选保费，这已经比保险公司提供的便宜。但是，如果您想命名驱动程序，您最多可以命名 2 个驱动程序，并且保费有时会更便宜，但这意味着只有被命名的驱动程序才能驾驶汽车。
这会为我击中财产或人提供保险吗？
是的，所有这些保险单都提供公共责任或第三方财产保险的承保。
我应该买什么保险？
我们始终建议的是始终选择 1 级（头等舱），因为这将为您提供最大的保障。但是，如果您只想为您的汽车提供部分损坏保险，您可以随时选择 2+ 和 3+ 级。最后，如果您只想要第三方保险，您可以随时选择 3 类（三等舱）。
这些保险类别的合格车龄是多少？
这将取决于保险公司及其保费活动，但是对于 1 类（头等舱）或多或少，符合条件的年龄在 1-10 岁之间。2+ 级和 3+ 级的年龄在 1 至 15 岁之间，3 级的年龄限制为 25 岁。
无领取奖金吗？
无索赔奖金仅适用于第一类保险（1 类） 如果您没有对您的保单进行任何索赔，您将每年获得 20% 的无索赔奖金，直到您的无索赔奖金达到 50% *这将取决于每家保险公司的指导方针，有些公司提供无索赔奖金，有些公司则不提供。
如果我有行车记录摄像头，可以申请折扣吗？
截至目前，并非所有公司都实施了此功能，但有些公司为配备仪表板摄像头的汽车提供折扣。您可以通过我们的比较服务进行比较和报价时选择行车记录仪选项。
多久才能拿到我的原始策略？
您将收到 2 套文件（PDF 和原始文件）
我们将在1-2天内通过LINE或电子邮件发送设置的PDF文档，您可以在其中打印并随身携带（或在您的车辆中），因为这将是您的临时政策（任何紧急情况或事故，此文件就足够了）
对于原始文件集，您将在 7-14 个工作日内收到它们。我们会将它们发送到您指定的邮寄地址。同时，您的汽车已经得到保障，您可以拨打热线以应对紧急情况和事故。
怎么联系你？
您可以随时拨打我们的热线电话：02-985-9000 或与我们聊天 LINE@ @checkdi 或给我们发电子邮件：support@checkdi.com
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