Class 1 car insurance
Class 1 Car Insurance — Full Protection, Dealer vs Garage Repair
Class 1 is the highest level of voluntary car insurance in Thailand. It covers damage to your own car, theft, fire, flood, plus damage to the other party and third-party property. It suits new cars, financed vehicles, and drivers who want maximum peace of mind.
- Licensed broker Wor00016/2566
- Compare 24 insurers
- Installments up to 10 months
- No annoying sales calls
What Class 1 car insurance covers
Class 1 covers the widest range of risks you might face in everyday driving.
- Damage to your car, whether you're at fault, not at fault, or in a single-vehicle accident
- Vehicle theft or loss
- Fire, from electrical or external causes
- Flood, a frequent risk in Thailand during the rainy season
- Damage to the other party's vehicle and third-party property
- Medical expenses for driver and passengers
- Driver bail bond in case of an accident
Coverage limits, deductibles, and conditions follow each insurer's policy.
Dealer (Soom Sun) vs Garage (Soom Oo) repair — what's the difference?
Class 1 typically comes in two repair-network options, which change the premium and the claim experience.
| Topic | Dealer / authorised | Garage network |
|---|---|---|
| Where it's repaired | Brand authorised service centre | Insurer's network garage |
| Parts | Genuine parts to dealer standard | Genuine or equivalent per policy |
| Technician | Dealer-trained technicians | Depends on the network garage |
| Premium | Approx. 20–40% higher than garage | Noticeably cheaper |
| Best for | New cars / still under dealer warranty | Cars out of dealer warranty / cost-conscious owners |
Tip: For cars 3–5 years old that are out of dealer warranty, switching from dealer to garage repair can save several thousand THB per year without giving up Class 1 coverage.
When paying more for Class 1 is worth it
Class 1 has the highest premium of all voluntary plans, but it offers the biggest peace of mind. Consider the current value of the car, the cost of major repairs, how often you drive, and where you park. If the car is still high value, financed, or used heavily, the Class 1 premium is often less than the cost of a single major repair. If the value has dropped and usage is low, dropping to Class 2+ or 3+ may be the better choice.
Who Class 1 is for
- New cars or cars up to about 5 years old
- Financed cars — lenders typically require Class 1
- Daily drivers, long-distance drivers, or anyone parking on the street
- Owners who want full coverage and predictable repair costs
How much does Class 1 cost?
Class 1 premiums depend on make, model, age, sum insured, repair-network choice, primary driver age, and claim history. They typically range from THB 8,000 to 30,000 per year for sedans and SUVs. The same car can vary by several thousand THB between insurers. Comparing several insurers in parallel is the fastest way to find the best-value plan.
Why compare Class 1 at Gengmak
- Licensed Thai insurance broker (OIC license Wor00016/2566)
- Compare premiums across 24 leading insurers in one place
- Free quotes — no phone number needed up front, no sales call spam
- 0% interest installments up to 10 months via Omise Link Plus
- Support team available via LINE and phone
Class 1 FAQ
(Non-Life insurance broker license no. Wor00016/2566)
Internet Insurance Broker Co. Ltd.
142, Two Pacific Place, Room 2204, Sukhumvit Road Klongtoey, Klongtoey, Bangkok, 10110 Tel : 02-0385908 Open: Mon-Fri, 9 AM - 6 PM