泰国汽车保险类 ： 2+

Comprehensive Guide to Type 2+ Car Insurance in Thailand

Looking to buy the best Class 2+ car insurance policy in Thailand? Look no further! Our platform offers extensive customization options, enabling you to tailor your coverage to suit your needs. Type 2+ policies start from just 4,500 baht per year.

What is Voluntary Motor Insurance Type 2+?

Type 2+ Car Insurance is a mid-level coverage option available in Thailand. It provides good protection for your vehicle and liability coverage, though not as comprehensive as Type 1. It's often referred to as "Third-party, fire, and theft plus own damage" insurance.

Type 2+ car insurance is the second most popular car insurance type in Thailand, as it provides more coverage at an affordable price. Type 2+ car insurance usually covers:

• Damage from vehicle-to-vehicle accident
• Damage to your car from fire and theft
• Damage caused to others and their vehicles or property
• Driver/passenger accident cover
• Bail bond coverage

What's the difference between Type 2+ insurance and other types of car insurance?

Type 2+ car insurance offers a balance between coverage and cost. It protects your car against fire and theft and covers damages to third parties. At the same time, it protects your car from other vehicles.

Type 1 car insurance offers the most comprehensive coverage, protecting you, your car, and others involved in accidents, regardless of fault.

Type 3 and 3+ car insurance only covers the damage you cause to other vehicles and people. Type 3+ also offers protection for your vehicle from other vehicles, similar to type 2+ car insurance.

What does Type 2+ Car Insurance Cover?

What's usually covered

All policies differ, but, in general, a Type 2+ car insurance policy will include cover and compensation for:

• Vehicle-to-vehicle damages
• Fire damage
• Theft
• Flood* (Not all Policies Include This)
• Third-party liability
• Personal injury
• Medical expenses
• Bail bond coverage

What's usually not covered

Your policy will also list out exclusions, which you won't be covered for. Some typical exclusions are:

• Other Collision Damage without a third party
• Negligence
• Wear and tear
• Invalid driving license
• Driving under the influence of alcohol or any illegal drugs
• Damage to your own property

How much does Type 2+ Car insurance in Thailand Cost?

Type 2+ Car Insurance offers a good balance between coverage and affordability. You can expect to pay around 7,000 baht in premiums for type 2+ Insurance for your car. Our Type 2+ policies start at just 5,500 baht. The cost of your Type 2+ Car Insurance in Thailand will depend on several factors:

• Vehicle make, model, and year
• Location (province or city)
• Age of the driver

While prices can vary, typically ranging from 5,500 THB to 20,000 THB, many Thai drivers find Type 2+ Insurance to be a cost-effective option that provides essential coverage.

How can I get Cheaper Type 2+ Car insurance in Thailand?

There are several ways to reduce your premiums for Type 2+ Insurance:

Excess or Deductible

Choosing a higher deductible can lower your premium. But make sure you can afford the higher out-of-pocket expense if you need to make a claim.

Dealership and Garage Repairs

While the Dealership Repair plan will repair your car at an official brand dealership with original manufacturer parts, Garage Repair may use aftermarket parts for your repairs. That being said, garage repair plans are significantly cheaper, and sometimes repairs are done better.

Adjusting your coverage levels

Lowering your coverage will also lower your premium. Adjust your coverage to the levels you need but don't go too low - higher coverage with a higher premium often turns out more cost-effective in the long run.

Named Driver

By naming no more than two drivers on your policy, you can often lower your insurance cost premium.

Maintaining a clean driving record

Having a clean driving record will ensure your renewal premium stays where it is. Some insurers offer no-claims bonuses for accident-free years as well.

Remember, while saving money is important, ensure you're not compromising on essential coverage. Balancing cost with adequate protection is key to getting the best value from your Type 2+ Car Insurance in Thailand.

Special Coverage and Additional Extras

While Type 2+ insurance doesn't offer as many extras as Type 1, some providers may offer additional coverage options:

24/7 Roadside Assistance cover

This may be available as additional coverage like towing, battery jump-starts, and lockout assistance.

Remember that Type 2+ insurance focuses mainly on third-party liability, fire, and theft. Additional coverages may be more limited compared to Type 1 policies, but these options can help customize your policy to better suit your needs.

Which car insurance company is good for Type 2+ Car insurance?

When you're shopping for car insurance, it's smart to hunt for the best coverage you can get at a price that won't break the bank. Don't worry - all the insurance companies we list on our website are hand-picked and have proven themselves trustworthy over the years we've worked with them.

With Type 2+, 3+, and 3, the best policy is the one you can get right away. We think the company that can issue you the policy immediately is better since the coverage is very similar in most cases. You should make the most affordable decision.

But just in case, we've put together a list of the Top 5 car insurance companies in Thailand for Type 2+ car insurance. These are the cream of the crop when it comes to any car insurance coverage:

1. Viriyah Insurance Public Company Limited
2. Tokio Marine Safety Insurance (Thailand) Public Company Limited
3. Bangkok Insurance Public Company Limited
4. Thanachart Insurance Public Company Limited
5. Muang Thai Insurance Public Company Limited

Can I buy an EV car type 2+?

Yes, we offer EV car Type 2+ insurance, which provides extensive coverage for electric vehicles. Type 2+ insurance includes third-party, fire, and theft coverage, along with additional protection for damage to your own vehicle from collisions with other vehicles.

Type 2+ insurance is a popular choice for those seeking comprehensive coverage without opting for the most expensive plan. We provide a range of options and additional features, making it easy for EV owners to find a policy that suits their needs and budget.

How to apply for Type 2+ Car insurance in Thailand?

Compare Plans & Premiums

Compare Plans & Premiums. Select the plan that is right for you.

Apply through our website or Our Agents

Apply Right Away with confidence, or contact our customer service team with more questions. You can also contact your CheckDi+ agents to see if they are managing your insurance for you.

Send Us the Necessary Documents

Send us the following documents to complete the process:

• Copy of your Passport or Thai Driving License
• Copy of your Green book or Registration or Deed of Sale

That's it: You're Covered

If your insurance starts today, you are covered. You will have coverage right away (after you receive a confirmation email from us) for third-party liability and damages from vehicle-to-vehicle collision. Coverage for damages due to collision without a third party or self-inflicted accident will become active only after you pass the car inspection. Some insurance companies will be okay with just pictures of your car, but most will schedule an inspection date with you 1-7 days after the confirmation. The original documents (policy) will then be sent to your mailing address within 7-14 days.

Frequently Asked Questions

What's the main difference between Type 2+ and Type 1 car insurance?

While Type 2+ offers good protection, including vehicle-to-vehicle damage, fire, and theft, Type 1 is more comprehensive, covering all types of accidents regardless of fault.

Does Type 2+ insurance cover flood damage?

Some Type 2+ policies include flood coverage, but not all. It's important to check the specific terms of your policy.

How many drivers can I add to my Type 2+ policy?

You can typically add up to 2 named drivers on your policy. Adding fewer drivers may help lower your premium.

Is Type 2+ insurance suitable for a new car?

While it offers good protection for a new car, you might want to consider Type 1 insurance for more comprehensive coverage.

Does Type 2+ cover damage to my car if I hit a stationary object?

Generally, Type 2+ doesn't cover damage from collisions without a third party involved. This would typically be covered under Type 1 insurance.

How quickly does my Type 2+ coverage become active?

Third-party liability and vehicle-to-vehicle collision coverage start immediately after you receive our confirmation email. However, other coverages may only become active after a car inspection.

Can I get roadside assistance with Type 2+ insurance?

Many providers offer roadside assistance as an additional option with Type 2+ policies. Check with your specific insurer for availability.

Is Type 2+ insurance a good option for older cars?

Yes, Type 2+ can be a cost-effective option for older cars, offering a balance of protection and affordability.

How does the car inspection process work for Type 2+ insurance?

Most insurers will schedule an inspection within 1-7 days after confirmation. Some may accept photos of your car instead of a physical inspection.

How to claim for Type 2+ car insurance?

To claim for Type 2+ car insurance:

• Contact your insurance company immediately after an incident.
• Provide all necessary details about the incident.
• Take photos of the damage and collect information from any other parties involved.
• Follow your insurer's instructions for submitting claim forms and supporting documents.
• For covered damages, you may need to have your car inspected at an approved garage.

Always keep your insurance policy number and emergency contact information handy in your vehicle for quick reference in case of an accident.

泰国申请汽车保险的步骤

购买汽车保险简单易行

要申请汽车保险，我们需要您提供以下文件（这适用于每家保险公司）：

1. 通过我们的网站申请或联系客户服务代表。
2. 提交您的护照或泰国驾驶执照复印件。
3. 提交您的绿皮书或注册或销售契约的副本。
4. 支付发票保费
5. 你被覆盖了。
6. 原始文件（政策）将在 7-14 天内发送到您的邮寄地址

*一些保险公司要求您提供汽车的照片，但大多数保险公司的时间表和检查日期尤其是头等舱保险。

您可以通过LINE与我们聊天或通过电子邮件support@checkdi.com 向我们发送其他文件

常见问题

三等险、二等险、一等险有什么区别？

一流的保险是全面的，涵盖汽车和第三方。对于其他人，第二类和第三类通常只涵盖第三方责任。2+ 和 3+ 类仍然为您的汽车提供部分保险，但 3 类主要用于第三方责任。

汽车保险的经销商和车库保险是什么意思？

购买 1 类（第一类）汽车保险时，您可以随时在经销商或车库保险之间进行选择。这意味着，当您发生事故时，如果您有经销商的汽车保险单并且您驾驶丰田汽车，您可以将您的汽车带到丰田经销商处进行报复，但如果您有车库保单，您将需要去正常联系的车库。具有经销商类型保险的汽车保险当然会比普通的车库保险更贵。

如果我购买了 1 类汽车保险，我会立即获得保险吗？

是的，您将立即（在收到 CheckDi 的确认电子邮件后）获得第三方责任和车辆碰撞造成的损害保险。由于没有第三方的碰撞或自我造成的事故造成的保险形式损坏，只有在您通过汽车检查后才会生效。

如果我发生事故，汽车无法移动 - 一级保险会涵盖汽车的拖车吗？

是的。1 类保险会将您的汽车拖到您希望的最近的车库或经销商，当且仅当您卷入事故时（与路边服务承保范围不同）

如果我现在购买，我今天也会得到保障吗？

是的，如果您的保险开始日期是今天，您的事故将立即得到保障。只要您已经付款，那么保险就已经得到保证。

有紧急情况热线吗？

每家保险公司都必须有一条紧急热线。

我可以放一个名字驱动吗？这会更便宜吗？

在某些情况下，是的，它会更便宜。但是，我们网站上的保费是竞选保费，这已经比保险公司提供的便宜。但是，如果您想命名驱动程序，您最多可以命名 2 个驱动程序，并且保费有时会更便宜，但这意味着只有被命名的驱动程序才能驾驶汽车。

这会为我击中财产或人提供保险吗？

是的，所有这些保险单都提供公共责任或第三方财产保险的承保。

我应该买什么保险？

我们始终建议的是始终选择 1 级（头等舱），因为这将为您提供最大的保障。但是，如果您只想为您的汽车提供部分损坏保险，您可以随时选择 2+ 和 3+ 级。最后，如果您只想要第三方保险，您可以随时选择 3 类（三等舱）。

这些保险类别的合格车龄是多少？

这将取决于保险公司及其保费活动，但是对于 1 类（头等舱）或多或少，符合条件的年龄在 1-10 岁之间。2+ 级和 3+ 级的年龄在 1 至 15 岁之间，3 级的年龄限制为 25 岁。

无领取奖金吗？

无索赔奖金仅适用于第一类保险（1 类） 如果您没有对您的保单进行任何索赔，您将每年获得 20% 的无索赔奖金，直到您的无索赔奖金达到 50% *这将取决于每家保险公司的指导方针，有些公司提供无索赔奖金，有些公司则不提供。

如果我有行车记录摄像头，可以申请折扣吗？

截至目前，并非所有公司都实施了此功能，但有些公司为配备仪表板摄像头的汽车提供折扣。您可以通过我们的比较服务进行比较和报价时选择行车记录仪选项。

多久才能拿到我的原始策略？

您将收到 2 套文件（PDF 和原始文件）

我们将在1-2天内通过LINE或电子邮件发送设置的PDF文档，您可以在其中打印并随身携带（或在您的车辆中），因为这将是您的临时政策（任何紧急情况或事故，此文件就足够了）

对于原始文件集，您将在 7-14 个工作日内收到它们。我们会将它们发送到您指定的邮寄地址。同时，您的汽车已经得到保障，您可以拨打热线以应对紧急情况和事故。

怎么联系你？

您可以随时拨打我们的热线电话：02-985-9000 或与我们聊天 LINE@ @checkdi 或给我们发电子邮件：support@checkdi.com

办公时间 Mon-Fri ： 08：00 - 17：30