Class 2+ car insurance
Class 2+ Car Insurance — Car-on-Car, Theft, and Fire Cover at a Better Price
Class 2+ sits between full Class 1 protection and the lowest-cost Class 3+. It's a good fit for drivers with 3–7 year old cars who want coverage for car-on-car collision, theft, and fire — without paying the full Class 1 premium.
- Licensed broker Wor00016/2566
- Compare 24 insurers
- Installments up to 10 months
- No annoying sales calls
What Class 2+ car insurance covers
Class 2+ covers your car when it collides with another identifiable vehicle, plus other essentials that overlap with Class 1.
- Damage to your car, when colliding with another identifiable vehicle
- Vehicle theft or loss
- Fire, from electrical or external causes
- 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
Actual coverage limits and conditions follow each insurer's policy.
Class 2+ limitations to be aware of
Before choosing Class 2+, understand what it doesn't cover so the plan fits how you actually drive.
- Single-vehicle accidents are not covered (e.g., hitting a pole, kerb, or wall)
- Flood damage isn't covered by default; some insurers sell flood as an add-on
- You must be able to identify the other vehicle to claim
- Some natural-disaster events depend on the specific policy terms
Class 2+ vs Class 1 vs Class 3+
| Coverage | Class 1 | Class 2+ | Class 3+ |
|---|---|---|---|
| Car-on-car collision | Covered | Covered | Covered |
| Single-vehicle / object | Covered | Not covered | Not covered |
| Theft / loss | Covered | Covered | Not covered |
| Fire | Covered | Covered | Not covered |
| Flood | Covered | Add-on (some insurers) | Not covered |
| Third-party vehicle & property | Covered | Covered | Covered |
| Approx. annual premium (THB) | 8,000-30,000+ | 5,000-12,000 | 3,000-7,000 |
This table is for orientation only. Actual coverage and terms follow each insurer's policy.
Who Class 2+ is for
- Cars 3–7 years old, still valuable but not requiring a full Class 1 premium
- Careful drivers with a low chance of single-vehicle accidents
- Cars parked in open lots where theft or fire risk still matters
- Owners who've finished financing but still want broad coverage
How much does Class 2+ cost?
Class 2+ premiums typically range from THB 5,000 to 12,000 per year, depending on make, model, age, sum insured, claim history, and the insurer's pricing. The fastest way to see your actual premium is to enter your car details and compare side by side — quotes for the same car can differ by several thousand THB between insurers.
Why compare Class 2+ at Gengmak
- Licensed Thai insurance broker (OIC license Wor00016/2566)
- Compare premiums across 24 insurers in one place
- Free quotes — no phone number needed up front, no sales call spam
- Installments via Omise Link Plus, up to 10 months
- Support team available via LINE and phone
Class 2+ 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