Thailand Car Insurance – Expat Guide

Living on the road brings about many thrills, and it’s safe to say that every drifter has seen his (or her) share of both good and bad. Expats are usually cautious, knowing that every country they visit will have its own set of rules and laws. Since your car is your best buddy on trips and voyages such as these, you’d best make sure to have an insurance plan, and we’re here to help you pick out the best one.

Thailand car insurance options

While in Thailand, you’ll be able to choose between several insurance plans, including FCI (fully-comprehensive insurance), sometimes referred to as First-Class insurance, 2nd class insurance, and 3rd class insurance. While researching, you might come across terms such as “Type 1/2/3” or similar, but know that they refer to the same thing.

Best option – Type 1 car insurance

The first class insurance covers pretty much everything and anything you can come up with. From basic collision accidents, over unpredictable circumstances (such as fire or floods), over theft, to medical expenses for you, your passengers, and third parties (other people related to the accident).

Even though this sounds simple enough, first-class insurance comes in many sub-types. Depending on the type of car you’re driving and its age, you will be given out different forms and different terms, some of which are bargains, others which might cost quite a lot.

We recommend that you take up this contract for two simple reasons – firstly, you don’t want to be cheap when it comes to ensuring your car’s safety, and secondly, this insurance plan type covers every possible situation in which your car might be in a predicament.

Second-best option – Type 2 Car Insurance

The second-class car insurance is greatly inferior in comparison to the first class type. It covers some of the damages done to your car (which means that you’ll have to pay for some of the repairs even still), but it covers damages dealt to third party vehicles and unpredictable accidents (theft, fire), although again in a diminutive way.

The 2nd class insurance type is ideal for drivers who are not exactly confident in their driving skills. This insurance allows you to rest easy even if the accident happens, and it’s only logical that the fees are lower in comparison to type 1 car insurance.

Least recommendable–Type 3 car insurance

The two sub-types of type 3 car insurance are Type 3+ and regular Type 3 both ประกันชั้น3 in Thai. Basically, the Type 3 insurance covers the damages dealt within the borders of third party (or third parties) liability, which basically means that you’ll get reimbursed only if the third party has faulted the accident. The Type 3+ excludes unpredictable accidents, but includes own damage (if you’ve faulted the accident).