Car Insurance by Miles (kilometer) in Thailand

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The Ultimate Guide to Car Insurance by Mileage in Thailand

Are you looking for a fairer way to insure your vehicle in Thailand? Car Insurance by Mileage, also known as Pay-Per-Mile insurance, offers a revolutionary approach to auto coverage. This guide will walk you through everything you need to know about this cost-effective insurance option.

What is Car Insurance by Mileage?

Car Insurance by Mileage is a type of car insurance in Thailand where your premium is based on the number of miles you drive. It's designed for people who don't drive a lot per year but still want full coverage while saving on premiums. This type of insurance typically provides the same comprehensive coverage as Class 1 car insurance, but with a pricing model that reflects your actual vehicle usage.

How Does Car Insurance by Mileage Work?

There are two main approaches to Car Insurance by Mileage in Thailand:

1. Mileage Top-Up Approach

  • You pay a premium for a set limit of kilometers.
  • You report your current odometer reading to the insurance company.
  • You must stay within the specified limit.
  • If you need to drive more, you can purchase additional kilometers.

2. Pay-As-You-Go Approach

  • A device is installed in your car to track your mileage in real-time.
  • You pay a premium based on the actual kilometers you drive.
  • This method is less common due to the need for a tracking device and more complex payment channels.

What Does Car Insurance by Mileage Cover?

Car Insurance by Mileage typically offers the same comprehensive coverage as Class 1 car insurance, including:

  • Damage from accidents
  • Damages to windscreen
  • Third-party liability
  • Personal injury
  • Medical expenses
  • Fire damage
  • Theft or attempted theft
  • Flood damage
  • Bail bond coverage

What's Usually Not Covered

  • Negligence
  • Wear and tear
  • Invalid driving license
  • Driving under the influence of alcohol or any illegal drugs
  • Exceeding the mileage limit of the policy (which can result in the policy becoming invalid)

How Much Does Car Insurance by Mileage Cost?

Car Insurance by Mileage is one of the most affordable Type 1 car insurance options in Thailand. Premiums can start as low as 4,000 baht per year, compared to traditional Type 1 insurance which typically costs around 10,000 baht or more. The exact cost will depend on factors such as your chosen mileage limit, vehicle type, and driving history.

Who Should Consider Car Insurance by Mileage?

This type of insurance is ideal for:

  • Work-from-home professionals
  • Retirees or occasional drivers
  • Multi-car households (for lesser-used vehicles)
  • City dwellers who primarily use public transport
  • Students and part-time workers
  • Seasonal drivers

How to Get Cheaper Car Insurance by Mileage

In addition to choosing Car Insurance by Mileage, you can further reduce your premiums by:

Choosing a Higher Excess or Deductible

This lowers your premium but increases your out-of-pocket expense if you need to make a claim.

Opting for Garage Repairs

Garage repair plans are often significantly cheaper than dealership repairs.

Naming Specific Drivers

Limiting the policy to no more than two named drivers can often lower your insurance cost.

Maintaining a Clean Driving Record

A clean driving record can help keep your premium low, and some insurers offer no-claims bonuses.

How to Apply for Car Insurance by Mileage in Thailand

  1. Compare Plans & Premiums: Select the plan that best suits your needs.
  2. Apply: Apply through our website or contact our customer service team.
  3. Submit Documents: Provide the necessary documents:
    • Copy of your Passport or Thai Driving License
    • Copy of your vehicle registration (blue book) or deed of sale
    • A picture of your car's odometer to document the current mileage
  4. Get Covered: Once confirmed, your coverage starts immediately.

Frequently Asked Questions

Is my car always covered, even when I'm not driving?

Yes, your vehicle is protected 24/7 with comprehensive coverage, regardless of whether it's being driven or parked.

How do I claim for Car Insurance by Mileage?

Contact your insurance provider's hotline or our customer support. Provide them with the necessary details about the incident, including date, time, and location. You may also need to submit a police report if applicable.

What happens if I exceed my mileage limit?

If you exceed your mileage limit under the Mileage Top-Up Approach, you will no longer have coverage. It's crucial to purchase additional kilometers before reaching your limit. With the Pay-As-You-Go Approach, you'll simply pay for the extra miles driven at the standard per-mile rate.

Can I switch between the Mileage Top-Up and Pay-As-You-Go approaches?

No, you can't switch between these approaches mid-policy. However, you can cancel your current plan and book a new one. Contact our customer service team to discuss your options.

Is Car Insurance by Mileage available for all types of vehicles?

Car Insurance by Mileage is currently not available for all types of personal vehicles. Contact us to confirm if your specific vehicle qualifies for this type of coverage.

Remember, while Car Insurance by Mileage can offer significant savings, it's important to choose a policy that provides adequate protection for your needs. Always read the policy details carefully and consult with an insurance professional if you have any questions.

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
1ViriyahGarage: 10,000–26,000; Dealer: 13,000–33,000
1Bangkok InsuranceGarage: 11,000–25,500; Dealer: 14,000–32,000
1Dhipaya InsuranceGarage: 10,500–24,500; Dealer: 13,500–31,000
1MSIG InsuranceGarage: 10,200–24,000; Dealer: 13,200–30,000
1Tokio Marine InsuranceGarage: 10,400–24,800; Dealer: 13,400–31,000
1Sompo InsuranceGarage: 10,100–23,800; Dealer: 13,100–30,000
1LMG InsuranceGarage: 9,900–23,500; Dealer: 12,900–29,500
1Chubb Samaggi InsuranceGarage: 10,100–24,000; Dealer: 13,100–29,800
1Thaivivat InsuranceGarage: 7,500–23,000; Dealer: 12,500–29,000
1Deves InsuranceGarage: 9,700–22,800; Dealer: 12,400–28,800
2+Viriyah6,000–12,500(repair type varies)
2+Bangkok Insurance6,200–12,200(repair type varies)
2+MSIG Insurance5,900–11,800(repair type varies)
2+Sompo Insurance5,700–11,600(repair type varies)
2+Dhipaya Insurance5,900–12,000(repair type varies)
2+LMG Insurance5,600–11,500(repair type varies)
2+The Navakij Insurance5,500–11,000(repair type varies)
2+Deves Insurance5,500–10,900(repair type varies)
3+Bangkok Insurance5,000–9,500(repair type varies)
3+MSIG Insurance4,800–9,200(repair type varies)
3+Thaivivat Insurance4,700–9,000(repair type varies)
3+The Navakij Insurance4,600–8,900(repair type varies)
3+Sompo Insurance4,700–9,100(repair type varies)
3+Deves Insurance4,600–8,900(repair type varies)
3+Falcon Insurance4,400–8,600(repair type varies)
3Muang Thai1,600–4,000(repair type varies)
3Deves Insurance1,700–3,800(repair type varies)
3Falcon Insurance1,650–3,600(repair type varies)
3The Navakij Insurance1,700–3,700(repair type varies)
3LMG Insurance1,750–3,900(repair type varies)
3Dhipaya Insurance1,750–3,950(repair type varies)

Document Checklist for Car Insurance by Mileage Application

To ensure a smooth application process, prepare these essential documents:

  • Valid Thai driving license or international driving permit
  • Vehicle registration book (blue book) - original or certified copy
  • Clear photo of current odometer reading
  • Copy of your identification (passport for foreigners, ID card for Thai nationals)
  • Previous insurance policy (if transferring from another provider)
  • Vehicle inspection report (if required by insurer)

Additional Frequently Asked Questions

How often do I need to report my mileage?

For mileage top-up policies, you typically report your odometer reading monthly or quarterly, depending on your insurer's requirements.

Can I add additional drivers to my mileage-based policy?

Yes, most insurers allow you to add named drivers, though this may affect your premium calculation.

What if my odometer is broken or reset?

Contact your insurance provider immediately to discuss alternative verification methods and avoid policy complications.

Explore Other Car Insurance Options

Compare All Car Insurance Types — View all classes side by side.
Type 1 Car Insurance — Most comprehensive coverage.
Type 2+ Car Insurance — Collision plus theft and fire.
Short-Term Insurance — Flexible coverage periods.
24/7 Roadside Assistance — Emergency help anytime.

How to Choose the Right Car Insurance

When choosing car insurance, it's important to consider the coverage you need, your budget, and the reputation of the insurance provider. Here are some tips to help you choose the right car insurance:

Compare Quotes

Get quotes from different insurance providers to compare coverage and premiums right away on our website

Check the Reputation of the Insurance Provider

Choose an insurance provider with a good reputation for customer service and claims processing. We have already vetted all our policies and you can be sure that we only sell from insurance providers with a good reputation

Consider the Coverage You Need

Consider the type of coverage you need based on your vehicle, driving habits, and budget. Comprehensive insurance provides the most coverage, but it's also the most expensive.

Read the Fine Print

Read the policy details carefully to understand the coverage, exclusions, deductibles, and limits of liability.

How to Make a Claim

If you are involved in an accident, follow these steps to make a claim:

  1. Call the police and report the accident.
  2. Exchange information with the other driver, including names, addresses, phone numbers, and insurance details.
  3. Take photos of the damage to your vehicle and the other vehicle.
  4. Contact your insurance provider and report the accident.
  5. Follow the instructions from your insurance provider for submitting a claim.

The Ultimate Guide to Car Insurance by Miles (kilometer) in Thailand: Everything You Need to Know

Car Insurance by Distance or Miles car insurance is a type of voluntary car insurance that is made for people who do not drive a lot per year but still would very much like to have it fully coved but also would want to save on the premium since they do not drive the insured car as much. First, let's learn more about car insurance in Thailand.

Types of Car Insurance in Thailand

Car insurance in Thailand is classified into different types, and each type has varying coverage and benefits that cater to different drivers' needs. This article aims to provide a brief overview of the different types of car insurance and who is best suited to buy them.
  1. Compulsory Third-Party Liability Insurance
  2. Voluntary car insurance

Compulsory Third-Party Liability Insurance

Compulsory Third-Party Liability Insurance is the minimum insurance required by law in Thailand. It covers damages or injuries you cause to other people or their property while driving. This insurance does not cover any damage to your own vehicle.Voluntary car insurance

Voluntary car insurance

Voluntary car insurance is generally more comprehensive and will have much more coverage compared to compulsory insurance. Voluntary insurance can be separated into classes from 1st class,2nd class, 2nd plus class, 3rd class, and 3rd plus class. Following are the details of the class types

Types of Voluntary Car Insurance(Class)

First class


Type 1 Car Insurance provides comprehensive coverage for damages to the insured vehicle, regardless of fault in case of an accident, fire, theft, or natural disaster. It also covers liability to third parties for property damage and bodily injury, including windscreen damage to the vehicle. Type 1 also covers medical expenses, personal accident coverage, and bail bond coverage for the driver, consented by the insured or driver, as specified in the policy. This insurance is best suited for new cars, new drivers with little driving experience, and cars that are frequently and regularly used.

Second Plus Class

Type 2+ Car Insurance offers high coverage at a lower premium than Type 1, but the coverage is slightly different. It covers damage to the insured vehicle regardless of fault provided by another identified vehicle involved in the accident, as well as damage caused by fire, theft, or flood, and liability to third parties for property damage and bodily injury when the driver is at fault. Type 2+ also covers medical expenses, personal accident coverage, and bail bond coverage for the driver. However, Type 2+ does not cover own damages without a third party and windscreen damages. This insurance is suitable for cars used regularly but parked in risky areas or not in gated locations.

Third Plus Class

Type 3+ Car Insurance provides coverage for damage to the insured vehicle regardless of fault provided another identified vehicle has been involved in the accident, as well as liability to third parties for property damage and bodily injury when the driver is at fault. It also covers medical expenses, personal accident coverage, and bail bond coverage for the driver. However, Type 3+ does not cover own damages without a third party, windscreen damages, fire, theft, or flood. This insurance is suitable for cars that are seven years or older and used regularly but do not have any risk from the parking location.

Second Class

Type 2 Car Insurance covers damage to the insured vehicle in case of fire and theft and liability to third parties for property damage and bodily injury when the driver is at fault. It also covers medical expenses, personal accident coverage, and bail bond coverage for the driver.

Thrid Class

Type 3 Car Insurance covers liability to third parties for property damage and bodily injury when the driver is at fault. It also covers medical expenses, personal accident coverage, and bail bond coverage for the policyholder or driver. Type 2 and Type 3 insurance are best suited for those with a tight budget but still want basic insurance coverage.

Choosing the right car insurance by kilometer in Thailand

Choosing the right car insurance in Thailand depends on the driver's needs and the car's condition. Type 1 insurance is best for new cars, new drivers, and cars frequently used. Type 2+ insurance is best for cars used regularly but parked in risky areas or not in gated locations. Type 3+ insurance is best for cars that are seven years or older and regularly used but have no risk from the parking location. Lastly, Type 2 and Type 3 insurance provide basic coverage for those with a tight budget.

Car Insurance by Distance or Miles car insurance are also separated as such and depending on which plan and what class of car insurance you choose the premium of the insurance will change accordingly. Another factor that would affect the premium is the distance you will have to choose for the coverage example are 5,000 km per year or 10,000 km per year.