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Commercial Motorcycle Insurance Thailand | Compare Plans

Compare commercial motorcycle insurance in Thailand. Coverage for business-use motorcycles — courier, taxi, transport. Plans from top insurers. Free quotes - CheckDi

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ธนชาตประกันภัย
วิริยะ
ชับบ์สามัคคี
กรุงไทยแอกซ่า
Allianz Assistance
April
อลิอันซ์ อยุธยา
จรัญ
FWD
LMG
มิสเตอร์ประกัน
MSIG
Pacific Cross
คุ้มภัยโตเกียวมารีน
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Classes of Commercial Motorcycle Insurance Thailand

As a business owner, you understand the importance of reliable transportation for your daily operations. Whether your company relies on motorcycles for deliveries, service calls, or any other business-related activities, safeguarding your valuable assets is crucial. Introducing our comprehensive commercial motorcycle insurance designed specifically for businesses like yours.

Our commercial motorcycle insurance offers extensive coverage tailored to meet the unique needs of your business. We provide protection against a range of risks, including accidents, theft, vandalism, and damage caused by natural disasters. With our policy, you can have peace of mind knowing that your motorcycles are adequately protected, minimizing financial setbacks in case of unforeseen events.

Type 1 Insurance

Coverage for third-party liability

Clear responsibility for bodily injury, life, and health of third parties in the event that they are injured or killed. The insurance company will be fully responsible according to the policy.

Responsibility for third-party property In the event of an accident resulting in damage to the property of a third party, such as colliding with another vehicle on the road where the insured party is at fault, the insurance company will be responsible.

Vehicle coverage (repairs, theft, fire, flooding)

Repairs - The coverage for vehicle repairs under Type 1 policy will cover the cost of repairing the vehicle in the event of an accident or collision. The insurance company will assess the repair costs within the insurance coverage limit specified in the motorbike or big bike insurance policy. For repairs under a dealership policy, the customer can take the vehicle to a service center of that particular brand. However, for repairs under a garage policy, the vehicle must be taken to a garage affiliated with the insurance company.

Theft - The coverage for stolen vehicles will be provided within the coverage limit specified in the motorbike or big bike insurance policy. If the insured vehicle is stolen due to theft, the insurance company will investigate and process the claim accordingly.

Fire - For coverage against damage caused by fire to the insured vehicle, all Type 1 policies provide coverage for fire damage. The insurance company will cover the damage to the vehicle resulting from a fire within the coverage limit specified in the insurance policy. This coverage applies when the vehicle is damaged by a fire originating from within the vehicle.

Flooding - For coverage against damage caused by flooding, customers need to check the policy details of each insurance company since the coverage for flooding may vary. Typically, coverage for flooding is included in all Type 1 policies, and the insurance company will cover the damage to the vehicle within the coverage limit specified in the policy.

Coverage for the insured, the driver, and passengers

Liability for bodily injury to the insured or the driver, as well as passengers in the insured vehicle covered under a Type 1 insurance policy, will be covered, and medical expenses will be paid in the event of injury. In the case of death or permanent disability, compensation will be provided.

Responsibility arising from cases where the insured vehicle is covered by a Type 1 insurance policy and is lost or involved in a fire will be compensated through the legal process with the police. Once the investigation confirms the veracity of the claim, compensation for the damages agreed upon will be provided.

Type 1 insurance is considered the most comprehensive coverage. It provides coverage for all types of insurance (in simpler terms, it covers everything), and currently, there are many promotions available that make Type 1 insurance affordable. Therefore, we recommend purchasing Type 1 insurance compared to other types.


Type 2+

Coverage for third-party liability

Clear responsibility for bodily injury, life, and health of third parties in the event that they are injured or killed. The insurance company will be fully responsible according to the policy.

Responsibility for third-party property In the event of an accident resulting in damage to the property of a third party, such as colliding with another vehicle on the road where the insured party is at fault, the insurance company will be responsible.

Vehicle coverage (repairs, theft, fire, flooding)

Repairs - The coverage for vehicle repairs under Type 1 policy will cover the cost of repairing the vehicle in the event of an accident or collision. The insurance company will assess the repair costs within the insurance coverage limit specified in the motorbike or big bike insurance policy. For repairs under a dealership policy, the customer can take the vehicle to a service center of that particular brand. However, for repairs under a garage policy, the vehicle must be taken to a garage affiliated with the insurance company.

Theft - The coverage for stolen vehicles will be provided within the coverage limit specified in the motorbike or big bike insurance policy. If the insured vehicle is stolen due to theft, the insurance company will investigate and process the claim accordingly.

Fire - For coverage against damage caused by fire to the insured vehicle, all Type 2+ policies provide coverage for fire damage. The insurance company will cover the damage to the vehicle resulting from a fire within the coverage limit specified in the insurance policy. This coverage applies when the vehicle is damaged by a fire originating from within the vehicle.

Flooding - For coverage against damage caused by flooding, customers need to check the policy details of each insurance company since the coverage for flooding may vary. Typically, coverage for flooding is included in all Type 1 policies, and the insurance company will cover the damage to the vehicle within the coverage limit specified in the policy.

Coverage for the insured, the driver, and passengers

Liability for bodily injury to the insured or the driver, as well as passengers in the insured vehicle covered under a Type 2+ insurance policy, will be covered, and medical expenses will be paid in the event of injury. In the case of death or permanent disability, compensation will be provided.

Responsibility arising from cases where the insured vehicle is covered by a Type 2+ insurance policy and is lost or involved in a fire will be compensated through the legal process with the police. Once the investigation confirms the veracity of the claim, compensation for the damages agreed upon will be provided.

The difference between Type 1 and 2+ insurance lies in the presence or absence of a counterpart involved in the claim. With Type 1 insurance, claims can be made without a counterpart (even if you collide with a post or a wall, you can still claim). However, for Type 2+ insurance, claims can only be made when a counterpart can be identified. In the case of Type 2+ insurance, the counterpart must be another vehicle, such as a car or a motorcycle.

In Type 1 insurance, you have the flexibility to claim for damages without needing to identify another party involved in the accident. This means that even if the accident is caused by colliding with an inanimate object like a post or a wall, you can still make a claim and receive compensation for the damages.

On the other hand, Type 2+ insurance requires the identification of a counterpart involved in the accident. This counterpart must be another vehicle, such as a car or a motorcycle. If you are involved in an accident with another vehicle, you can make a claim through your Type 2+ insurance, specifying the counterpart involved.


Type 3+

Coverage for third-party liability

Clear responsibility for bodily injury, life, and health of third parties in the event that they are injured or killed. The insurance company will be fully responsible according to the policy.

Responsibility for third-party property In the event of an accident resulting in damage to the property of a third party, such as colliding with another vehicle on the road where the insured party is at fault, the insurance company will be responsible.

Vehicle coverage (repairs)

Repairs - The coverage for vehicle repairs under Type 1 policy will cover the cost of repairing the vehicle in the event of an accident or collision. The insurance company will assess the repair costs within the insurance coverage limit specified in the motorbike or big bike insurance policy. For repairs under a dealership policy, the customer can take the vehicle to a service center of that particular brand. However, for repairs under a garage policy, the vehicle must be taken to a garage affiliated with the insurance company.

Coverage for the insured, the driver, and passengers

Liability for bodily injury to the insured or the driver, as well as passengers in the insured vehicle covered under a Type 2+ insurance policy, will be covered, and medical expenses will be paid in the event of injury. In the case of death or permanent disability, compensation will be provided.

Responsibility arising from cases where the insured vehicle is covered by a Type 2+ insurance policy and is lost or involved in a fire will be compensated through the legal process with the police. Once the investigation confirms the veracity of the claim, compensation for the damages agreed upon will be provided.


Type 3

Coverage for third-party liability

Clear responsibility for bodily injury, life, and health of third parties in the event that they are injured or killed. The insurance company will be fully responsible according to the policy.

Responsibility for third-party property In the event of an accident resulting in damage to the property of a third party, such as colliding with another vehicle on the road where the insured party is at fault, the insurance company will be responsible.

Coverage for the insured, the driver, and passengers

Liability for bodily injury to the insured or the driver, as well as passengers in the insured vehicle covered under a Type 2+ insurance policy, will be covered, and medical expenses will be paid in the event of injury. In the case of death or permanent disability, compensation will be provided.

Responsibility arising from cases where the insured vehicle is covered by a Type 2+ insurance policy and is lost or involved in a fire will be compensated through the legal process with the police. Once the investigation confirms the veracity of the claim, compensation for the damages agreed upon will be provided.


When choosing insurance, it is important to prioritize your own needs. In general, motorcycle insurance for riders is most commonly available in the form of Type 2+ and Type 3+ policies. The premiums for these types of insurance typically range from approximately 2,000 to 4,000 baht per year.

We understand the diverse needs of businesses across various industries. That's why we offer flexible coverage options that can be tailored to your specific requirements. Our experienced team of insurance professionals is dedicated to providing personalized service, ensuring you get the right level of protection at competitive rates.

Don't let unexpected events disrupt your business operations or drain your finances. Safeguard your investment and ensure the continuity of your business with our reliable commercial motorcycle insurance. Contact us today to get a customized quote and discover how we can help protect your business assets, so you can focus on growing your enterprise without unnecessary worries.

Pricing comparison by insurer

Indicative ranges only. Actual premiums depend on plan/coverage, customer profile, and current campaigns. Confirm via live quote.

ClassInsurerPremium range (THB)Notes
Type 1 (Commercial)MSIG Insurance4,500–11,000(repair type varies)
Type 1 (Commercial)Dhipaya Insurance4,400–10,800(repair type varies)
Type 1 (Commercial)Tokio Marine Insurance4,600–11,200(repair type varies)
Type 2+ (Commercial)Viriyah3,000–7,000(repair type varies)
Type 2+ (Commercial)Sompo Insurance2,900–6,800(repair type varies)
Type 3 (Commercial)Bangkok Insurance1,200–2,600(repair type varies)
Type 3 (Commercial)Deves Insurance1,100–2,400(repair type varies)

Who Needs Commercial Motorcycle Insurance in Thailand?

Commercial motorcycle insurance is essential for food delivery services, courier companies, logistics providers, and service-based businesses that rely on motorcycles for daily operations. Small business owners, fleet managers, and entrepreneurs using motorcycles for commercial purposes can protect their valuable assets and ensure business continuity with comprehensive coverage.

Frequently Asked Questions

What documents are required for commercial motorcycle insurance?

You will need your motorcycle registration, business license, drivers license, and company documentation. Some insurers may also require vehicle inspection reports for fleet policies.

Can I cover multiple motorcycles under one policy?

Yes, fleet policies are available for businesses with multiple motorcycles. This often provides cost savings and simplified administration compared to individual policies.

How quickly can claims be processed?

Most insurance companies process claims within 7-15 working days, depending on the complexity of the case and completeness of documentation.

Does commercial insurance cost more than personal motorcycle insurance?

Commercial policies typically have higher premiums due to increased risk exposure from business use. However, the comprehensive coverage protects against significant financial losses.

Types of Commercial Motorcycle Insurance

Commercial motorcycle insurance is designed for bikes used in business operations such as deliveries, courier services, ride-hailing, or other commercial transport. Plans are categorised by coverage level:

  • Class 1 — Full coverage including at-fault collisions, fire, flood, and theft. Best for heavy-use vehicles.
  • Class 2+ — Covers collisions with an identified third party, fire, flood, and theft. Good value for a limited budget.
  • Class 3+ — Covers collisions with an identified third party plus third-party liability.
  • Class 3 — Third-party liability only. The most affordable option.

Personal vs Commercial Insurance: What Is the Difference?

A personal motorcycle policy may not cover incidents that happen while the bike is being used for business purposes. If the insurer finds out the vehicle was used commercially, your claim could be denied. Commercial insurance is built to handle heavier usage and higher risk.

Documents Needed to Apply

  • Copy of the vehicle owner's national ID card
  • Copy of the vehicle registration
  • Driving licence
  • Photos of the motorcycle from four angles (in some cases)

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