Class 3+ car insurance
Class 3+ Car Insurance — Car-on-Car Cover at an Accessible Premium
Class 3+ is the most affordable voluntary plan that still covers your car when it collides with another vehicle. It suits older cars, low-usage cars, and owners who want basic protection on a tighter budget.
- Licensed broker Wor00016/2566
- Compare 24 insurers
- Installments up to 10 months
- No annoying sales calls
What Class 3+ car insurance covers
Class 3+ focuses on car-on-car collision protection and trims out other coverage to keep the premium low.
- Damage to your car when colliding with another identifiable vehicle
- 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 and conditions follow each insurer's policy.
What Class 3+ does not cover
Understand the limits before choosing Class 3+ so the plan fits your real-world usage.
- Vehicle theft or loss is not covered
- Fire damage is not covered
- Flood damage is not covered
- Single-vehicle accidents (hitting a pole, kerb, wall) are not covered
- You must be able to identify the other vehicle in order to claim
Class 3+ vs Class 2+ vs Class 1
| 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.
When Class 3+ is enough
Class 3+ fits situations where the risk of theft and fire is low and the car's value has dropped to the point where Class 1 or Class 2+ premiums no longer pencil out. Typical examples: cars 7+ years old, cars parked in safe spots, low-usage cars, and careful drivers who rarely have single-vehicle incidents but still want protection when colliding with another car.
Who Class 3+ is for
- Cars roughly 7 years old or older, with reduced market value
- Low-usage cars, or cars parked in safe locations
- Careful drivers focused on keeping the premium low
- Owners who want basic car-on-car protection without extras
Class 3+ vs Class 2+ vs Class 1 — how to choose
The right class is a trade-off between premium and how much risk you're comfortable carrying yourself. Class 3+ is the cheapest but won't cover anything outside a car-on-car incident. Class 2+ adds theft and fire. Class 1 covers nearly everything. The easiest way to decide is to compare all three classes side by side for your specific car — you'll see exactly how much more coverage each extra THB of premium buys you.
How much does Class 3+ cost?
Class 3+ premiums typically fall between THB 3,000 and 7,000 per year, depending on make, model, age, sum insured, claim history, and each insurer's pricing. As with other classes, the same car can vary in premium between insurers. Comparing several insurers in parallel helps you find the best-value plan.
Why compare Class 3+ 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
- Installments via Omise Link Plus, up to 10 months
- Support team available via LINE and phone
Class 3+ 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