Motorcycle Insurance Thailand Class 2+

A Comprehensive Guide to Class 2+ Motorcycle insurance in Thailand. Compare plans and save now.

Motorcycle Insurance Thailand Class 2+
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How to Buy the Best motorcycle Insurance Class 2+ in Thailand: A Comprehensive Guide

Looking to buy the best Class 2+ motorcycle insurance policy here in Thailand? Look no further! Our platform offers extensive customization options, enabling you to tailor your coverage to suit your needs.

Here are the details of Class 2+ voluntary motorcycle insurance coverage:

Coverage for damage to the vehicle

Own Damage - involving a third party.

Our policy compensates for damages to your vehicle, including additional accessories and fixtures, caused by collision, overturning, or any incidents not involving a third party. *Pay up to the sum insured stated on the policy.

Damages to windscreen - involving a third party.

The insurance policy covers damages to the windscreen of your vehicle up to the market value. This means that if your windscreen is damaged, the policy will pay out the amount equal to the current market value of the windscreen. This coverage ensures that you can replace your windscreen without incurring any financial burden.

24 hours. Roadside assistance

The policy includes 24-hour roadside assistance, which covers services such as towing, jump-starting, fuel delivery, and changing flat tires, ensuring that you are never stranded on the road in case of an emergency.

Replacement motorcycle

The policy will provide a temporary motorcycle to use until their own vehicle is repaired or replaced. This coverage ensures that you are not left without a means of transportation, which can be especially important for those who rely on their vehicle for daily activities such as work or school.

Transportation compensations and expenses while the vehicle is being fixed

Get reimbursed for their travel expenses such as rental motorcycles, public transportation, or ride-sharing services during the period of time when their vehicle is out of commission due to repairs covered under the policy. In addition, you will also get compensated for the duration that you have been hospitalized.

Theft, fire, and natural disaster coverage


In the event of theft, robbery, gang robbery, or embezzlement during the insurance period, the company will provide compensation for any damages incurred to the vehicle. This includes compensation for any additional accessories, equipment, or fixtures specified in the policy.

If there is an attempted theft, robbery, gang robbery, or embezzlement, the company will still provide compensation for any resulting damages to the vehicle. The compensation provided will be sufficient to cover the cost of repairing or replacing the damaged parts.

It is important to note that this compensation only applies during the insurance period. Therefore, it is essential to keep the insurance policy up-to-date to ensure that any potential damages resulting from theft, robbery, gang robbery, or embezzlement are covered.

*Pay up to the sum insured stated on the policy.


During the period of insurance, the company will provide compensation for any damages incurred by the vehicle as a result of fire, either partially or in full. In the event of such an unfortunate incident, the insurance policy will cover the costs of repairing or replacing the vehicle, providing the policyholder with financial relief from the burden of unexpected expenses.

**Pay up to the sum insured of the policy.

Natural disaster, including flood - (Depending on the plans)

During the insurance period, the company will provide compensation for any damage caused to the vehicle by a covered natural disaster, including any specific additional accessories, equipment, and fixtures that may have been affected. The compensation will be aimed at restoring the vehicle to its pre-damage state, ensuring that all losses are accounted for and covered by the insurance policy. This coverage ensures that the vehicle owner will not have to bear the entire financial burden of any loss caused by the natural disaster.

**Pay up to the sum insured of the policy.

Third party liability coverage

Liability for bodily injuries or death / person and liability for bodily injuries or death / accident

Up to THB 5,000,000 per occurrence for property damages and up to THB 3,000,000 per person and THB 10,000,000 per occurrence for bodily injuries and loss of life.

Property Liability

The policy compensates for damages to third-party property or individuals caused by your vehicle during the insurance period up to the amount specified on the policy. This includes property damages.

Additional Coverage

Personal accident coverage

The policy offers compensation for the loss or bodily injuries of the insured person(s) caused by the loss of life, hand, foot, vision, permanent disability, or temporary disability.

Medical expenses

The policy covers actual and reasonable medical expenses, surgical expenses, and hospital service expenses for any covered person who sustains bodily injuries caused by an accident while in, entering, or exiting the vehicle.

Bail bond coverage

The policy covers bail bond coverage in case of detainment by a third party or the police.

Additional Options for your motorcycle insurance policy

Deductible/ excess

When purchasing an insurance policy, the insured typically has the option to select a deductible and excess amount. The deductible is the amount of money the insured must pay out of pocket before the insurance policy begins to cover the remaining cost of a claim, while the excess is the amount the insured agrees to pay in addition to the deductible. By choosing a higher deductible and excess, the insured is effectively taking on more financial risk in the event of a claim. However, this increased risk results in a lower premium, as the insurance company can reduce their potential payout in the event of a claim. In other words, the insured is willing to pay more out of pocket in exchange for a lower premium. Therefore, selecting a higher deductible and excess can help make an insurance policy more affordable.

Repair types

When it comes to motorcycle insurance policies, there are two main types of repair options available: dealer type and garage type.

Dealer repair type & Garage repair type

The dealer repair type allows you to get your motorcycle fixed at the manufacturer's dealership, whereas the garage repair type involves getting your motorcycle fixed at one of the networked garages of the insurance company. While both options have their advantages, the dealer repair type is generally considered to be more expensive than the garage repair type. This is because the manufacturer's dealership often charges higher rates for parts and labor. On the other hand, the garage repair type may be more convenient and cost-effective, as the insurance company has pre-negotiated rates with their networked garages. Ultimately, it's up to you to decide which type of repair option works best for your needs and budget.

Named-driver plans

Policyholders can reduce their motorcycle insurance premium by adding named drivers, up to two drivers, on their policy. This is because having more drivers on the policy reduces the risk for insurance companies. In case of more than two drivers, policyholders can choose a no named driver plan as well. Additionally, insurance companies also offer discounts based on the age range of the drivers.

  • Drivers in the age range of 18-24 can receive a discount of up to 5%
  • Drivers in the age range of 25-35 can receive a discount of up to 10
  • Drivers in the age range of 36-50 can receive a discount of up to 15%
  • Drivers in the age range of 51 and above can receive a discount of up to 20%

By taking advantage of these discounts, policyholders can significantly reduce their motorcycle insurance premium.


Installing a dashcam in your motorcycle can have a significant impact on your motorcycle insurance premium. Many insurance companies offer discounts of up to 5% on motorcycle insurance premiums for drivers who have a dashcam installed in their vehicle

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