Car insurance types
Types of Car Insurance: Class 1, 2+, 3+ and CTPL — All in One Page
Before buying or renewing car insurance, the most important thing is understanding what each type covers, how much it costs, and which one fits your car and how you use it. Thai car insurance — formally called non-life motor insurance — is split into 4 main types: Class 1 (full coverage), Class 2+ (collision with another car + theft + fire), Class 3+ (collision with another car only), and CTPL (Por Ror Bor) — the mandatory policy every car must hold by law.
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Compare every type of car insurance side by side
| Coverage | Class 1 | Class 2+ | Class 3+ | CTPL |
|---|---|---|---|---|
| Damage to your car (any cause) | ✅ | ❌ | ❌ | ❌ |
| Damage to your car (collision with another vehicle) | ✅ | ✅ | ✅ | ❌ |
| Theft / stolen vehicle | ✅ | ✅ | ❌ | ❌ |
| Fire | ✅ | ✅ | ❌ | ❌ |
| Flood | ✅ | ❌* | ❌ | ❌ |
| Damage to the other party's vehicle | ✅ | ✅ | ✅ | ❌ |
| Damage to third-party property | ✅ | ✅ | ✅ | ❌ |
| Medical expenses for driver | ✅ | ✅ | ✅ | ✅ |
| Medical expenses for passengers | ✅ | ✅ | ✅ | ✅ |
| Bail bond for driver | ✅ | ✅ | ✅ | ❌ |
| Estimated starting premium (THB / year) | 8,000-30,000+ | 5,000-12,000 | 3,000-7,000 | 600-1,100 |
*Some Class 2+ plans let you add flood coverage as an optional rider. Actual benefits depend on each insurer's policy — always read the terms.
Class 1 — broadest coverage, best for new cars or maximum peace of mind
What's covered?
Class 1 is the most comprehensive car insurance in Thailand. It typically covers:
- Damage to your own car — whether you're at fault or not, including hitting a pole, fence, or being hit by another vehicle
- Vehicle theft (full loss)
- Fire — whether from electrical faults or external sources
- Flood — a common risk in Thailand, especially during the rainy season
- Damage to the other party's vehicle and third-party property
- Medical expenses for driver and passengers
- Bail bond if the driver is detained after an accident
Who is it for?
- Brand-new cars or vehicles under 5 years old
- Cars still on a loan (finance companies usually require Class 1)
- People who drive often, drive long distances, or park on the street
- Owners who want maximum peace of mind without paying repair costs themselves
How much does Class 1 cost?
Class 1 premiums depend on several factors:
- Car make and model — luxury or sports cars cost more
- Year of manufacture — newer cars carry a higher sum insured, so higher premium
- Driver's age — under 25 may pay more
- Province of registration — Bangkok and metro areas typically pay more than rural provinces
- Claims history — frequent claims push next year's premium up
- Authorised dealer ("shop") vs. partner garage — dealer/shop repair is 20–40% more expensive than garage repair
Most Class 1 policies for a typical sedan or SUV fall between THB 8,000 – 30,000 per year.
Class 2+ — cheaper than Class 1, still covers car-to-car collision, theft and fire
What's covered?
Class 2+ matches Class 1 only when your car collides with another vehicle (an identifiable counterparty is required), plus:
- Damage to your car, only when colliding with another vehicle
- Theft / stolen vehicle
- Fire
- Damage to the other party's vehicle and third-party property
- Medical expenses and bail bond for the driver
Limitations to know
- Single-vehicle accidents are not covered — hitting a pole, falling into a pothole, or opening a door into a wall must be paid out of pocket
- Flood is not covered by default (some insurers sell it as an add-on)
- A counterparty vehicle is required — if a motorcycle hits and runs without being identified, the claim may be denied
Who is it for?
- Cars aged 3-7 years
- Careful drivers who rarely have single-vehicle incidents
- Owners who want to save on premium but still want theft and collision protection
- Drivers who park in open lots and worry about theft
Premium
Approximately THB 5,000 – 12,000 per year, depending on make, model, and sum insured.
Class 3+ — most affordable, for older cars that still want collision coverage
What's covered?
Class 3+ has the narrowest coverage among voluntary policies:
- Damage to your car only when colliding with another vehicle (same as Class 2+)
- Damage to the other party's vehicle and third-party property
- Medical expenses and bail bond for the driver
Limitations
- No theft coverage — if your car is stolen, you get nothing
- No fire coverage
- No flood coverage
- No single-vehicle accident coverage
Who is it for?
- Cars 7 years or older
- Low-value cars where a Class 1 or 2+ premium isn't worth it
- Drivers who use the car occasionally or park in a safe location
- Owners who want the lowest premium while still keeping baseline protection
Premium
Approximately THB 3,000 – 7,000 per year.
CTPL (Por Ror Bor) — every car must have it by Thai law
What is CTPL?
CTPL (Por Ror Bor) is the Compulsory Motor Insurance defined by Thai law. Every car must carry it, regardless of whether the owner also has a voluntary policy.
What does it cover?
- Medical expenses up to THB 80,000 per person (no proof of fault required)
- Death, permanent disability, or loss of limb up to THB 300,000 – 500,000
- Covers people (driver and passengers) — not the vehicle itself
CTPL price
- Sedan: roughly THB 600 – 650 per year
- Pickup: roughly THB 900 – 1,100 per year
Things to know
- Without CTPL you cannot renew the vehicle registration and may face a fine
- CTPL can be renewed together with a voluntary policy in one place
- On gengmak.com you can renew CTPL alongside your car insurance in a single flow
Which car insurance type should you pick? Decide by car age and usage
Car age is the biggest factor in choosing the right level of cover.
Brand-new car (0-3 years)
Recommended: Class 1 with authorised dealer / shop repair
- The car still has high value — full coverage is worth it
- Finance companies usually require Class 1
- Choose a sum insured of at least 80% of the car's value
Car age 3-5 years
Recommended: Class 1 with partner garage, or Class 2+
- If still on a loan, Class 1 with partner garage saves 20-40% vs. dealer repair
- Once the loan is paid off, Class 2+ is a good option if you park safely
Car age 5-8 years
Recommended: Class 2+ or Class 3+
- Car value has dropped — a Class 1 premium may not be worth it
- Class 2+ still covers theft and fire
- If parked at home or in a safe lot, Class 3+ is usually enough
Car age 8+ years
Recommended: Class 3+ or CTPL only
- Low car value makes Class 1 premium uneconomical
- Class 3+ still covers collisions with other vehicles
- If driven rarely, CTPL alone may be sufficient
Not sure which class fits? Add your car details and we'll suggest a plan.
Class 1 vs Class 2+ vs Class 3+ — what's the difference? (Quick summary)
- Class 1Covers everything — single-vehicle, collision, theft, fire, flood
- Class 2+Covers collision with another vehicle + theft + fire (no single-vehicle damage)
- Class 3+Covers collision with another vehicle only (no theft, fire, or single-vehicle damage)
The key difference is single-vehicle damage. If you hit a pole, fall into a pothole, or open a door into a wall: Class 1 pays out; Class 2+ and 3+ do not.
Authorised dealer (shop) vs. partner garage repair — what's the difference?
When choosing Class 1, you'll see two repair options:
Authorised dealer / shop repair
- Repaired at the brand's authorised service centre
- Genuine parts, technicians trained by the manufacturer
- Premium is 20–40% higher than partner-garage repair
- Best for new cars or those still under manufacturer warranty
Partner garage repair
- Repaired at a garage in the insurer's network
- Quality varies by garage — some are excellent, some are average
- Premium is meaningfully cheaper
- Best for cars past the manufacturer warranty or owners who want to save
Tip: at car age 3-5, switching from dealer to partner-garage repair can save thousands of baht per year with the same level of cover.
Frequently asked questions
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