Car insurance types
Types of Car Insurance in Thailand: Class 1, 2+, 3+ and CTPL
Before buying or renewing, know how each class differs — a cheaper premium can mean less coverage. This page summarizes Thai car insurance types in plain language and helps you choose what fits your vehicle and budget.
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How the types of car insurance differ
| Type | Own vehicle | Third party | Theft / fire | Best for |
|---|---|---|---|---|
| Class 1 | Maximum per policy | Yes | Yes | New cars, high-value cars, full coverage |
| Class 2+ | Limited (e.g. car-to-car) | Yes | Yes | Strong coverage at a lower premium than Class 1 |
| Class 2 | Generally not for own damage | Yes | Yes | Theft, fire, and third-party focus |
| Class 3+ | Limited car-to-car only | Yes | Generally no | Older daily-use cars wanting cheaper premiums |
| Class 3 | No | Yes | No | Old, low-mileage cars wanting cheapest premium |
| CTPL (Por Ror Bor) | Vehicle not covered | Life / bodily injury per law | No | Required for every car |
Actual benefits depend on each insurer's policy. Always read the terms before buying.
Who Class 1 is for
Class 1 fits new cars, high-value vehicles, or drivers who want the broadest coverage. It typically covers damage to your vehicle, third parties, theft, fire, and many accident types per the policy terms.
Who Class 2+ is for
Class 2+ suits drivers who want to lower their premium below Class 1 while keeping important protections like collision, theft, and fire. Good for daily-use cars without paying the highest premium.
Who Class 3+ and Class 3 are for
Class 3+ fits older cars whose owners want third-party collision coverage. Class 3 is for owners who want the lowest premium and only need third-party protection.
How CTPL differs from voluntary car insurance
CTPL (Por Ror Bor) is mandatory by law and focuses on life and bodily injury for road accident victims — it does not cover damage to your own vehicle. Most cars should have both CTPL and a suitable voluntary policy.
How to choose the right car insurance
Five things to consider:
Car age and value
Newer or higher-value cars usually need broader coverage
How often you drive
Daily use vs. occasional use changes your risk
Where you park and the routes you take
Flood-prone areas, high theft, or heavy traffic deserve extra consideration
Premium budget
Set what you can afford before picking a class
Risk you can carry
How much can you cover yourself if something happens?
Frequently asked questions
(Non-Life insurance broker license no. Wor00016/2566)
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