Car Insurance Type 2+
High-value protection at an affordable price
Compare quotes from more than 15 leading insurers, choose convenient instalment plans, and get essential coverage that protects your vehicle from third‑party collisions, theft, fire, and floods.
INTRODUCTION
What is car insurance type 2+?
Car insurance type 2+ is a mid‑level voluntary motor insurance in Thailand that offers high coverage at a more affordable price than type 1 insurance. It covers damage to your own vehicle when a third‑party is involved, as well as major risks such as theft, fire, flood, and third‑party liability. It’s designed to balance affordability and strong protection, making it a popular choice for drivers looking for good coverage without paying type 1 premiums.
What are the key benefits of car insurance type 2+?
When selecting car insurance providers, in addition to affordable premiums, comprehensive coverage options, and reliable customer support, consider these essential factors:
Accident coverage
Car insurance type 2+ provides coverage for your own vehicle in case of road accidents involving an identified third-party.
Theft protection
Ensure your peace of mind with financial coverage against theft, giving you confidence wherever you drive in Thailand.
Fire and flood damage coverage
Rest easy knowing your insurance policy covers your vehicle against fire and flood damage*, providing financial security in these situations.
Third-party liability
Provide coverage for third-party bodily injuries and property damage resulting from an accident caused by your vehicle.
No claims bonus
Save more with a no claims bonus, which reduces your future insurance premiums. This varies depending on the insurer.
Optional benefits
Enhance your policy with add-ons such as 24-hour roadside assistance and medical coverage, customised to meet your unique requirements.
Flexible excess
Select an insurance excess to reduce your premium if you are a good driver.
Lower premiums
Type 2+ insurance premiums are typically more affordable than comprehensive type 1 policies, offering a budget-friendly option for many drivers.
Peace of mind
Although not as extensive as type 1, type 2+ still offers wide protection, while balancing affordability and coverage.
Customisable repair coverage
Choose between preferred garages or dealer garages to match your repair quality expectations and budget, giving you more control over your vehicle’s maintenance experience.
*Selected policies only
Key features of type 2+ car insurance
While coverage specifics can differ between insurance providers, here are the common features associated with type 2+ car insurance:
Coverage for your car
-
Accident coverage
protects against collisions with third-party -
Theft coverage
protects against theft and malicious acts. -
Flood
protects against flood damage. -
Fire
protects against fire damage. -
24/7 towing service
offers towing in case of car accidents.
Coverage for you
-
Medical expenses
covers for the driver and the passengers’ medical costs in case of accidents. -
Personal accident
compensates for injuries or death resulting from accidents. -
Bail bond
legal support for insured individuals detained after a covered accident.
Coverage for third-party
-
Bodily injuries
protects against injury or death caused by your vehicle. -
Property damage
pays for damage caused by your vehicle to someone else’s property.
Compare quotes for car insurance type 2+ from Thailand’s trusted insurance companies
Check QuotesWhat are the additional type 2+ motor insurance coverage options?
Once you’ve reviewed your car insurance quotes, you may notice that insurers also offer optional add-ons. Below are some of the additional upgrades you might come across:
Excess insurance or deductible
This option lets you choose how much you’ll pay out of pocket before your insurance starts covering costs. Selecting a higher deductible can reduce your premium, while a lower deductible means you’ll pay less during a claim.
Pre-selected car repair garage or dealer garage
This upgrade allows you to choose a specific repair shop or dealership for your vehicle repairs. It ensures your car is handled by trusted professionals for added confidence and convenience.
Named driver or any driver upgrade
Tailor your policy to cover a particular driver or allow any authorised driver. Adding a named driver may help lower your premium and gives you flexibility depending on your needs.
Roadside assistance
Get 24/7 help for situations like battery jump-starts, lockouts, fuel delivery, and towing. It ensures you’re never left stranded during a breakdown or emergency.
Personal accident coverage
This coverage offers financial support if the insured or passengers are injured or killed in an accident. It can include medical expenses, income loss, and other related costs.
Who should buy car insurance type 2+?
Type 2+ insurance coverage is a budget-friendly option if you find type 1 insurance to be too expensive, while still offering a high level of protection for your car. It’s a more affordable insurance for a car that’s perfect for everyday drivers, especially if you often have passengers and value your time on the road. If you are not sure if type 2+ is suitable for you, check out these key traits:
Frequent drivers
Often drive with passengers
Ideal for non brand-new vehicles and a few years into use
Limited by budget constrains
An experienced driver but has made 1 or 2 claims within a year
Which types of vehicles are eligible for type 2+ car insurance coverage?
In Thailand, the following types of vehicles are generally eligible for Type 2+ car insurance:
- Passenger cars, SUVs, and pick-up trucks
- Vehicles used for everyday commuting or personal use
- Cars with standard modifications that comply with the insurer’s requirements
- Most insurers accept vehicles up to 15 years old for Type 2+ coverage
Eligibility criteria may vary slightly depending on the insurance provider and the specific policy. For accurate details, please consult our agents.
What types of vehicles are excluded from type 2+ car insurance?
Vehicles that are typically excluded from type 2+ car insurance coverage include:
- Commercial vehicles such as delivery trucks and vans
- Vehicles used for ridesharing or taxi services
- Vehicles with extensive modifications or those not roadworthy
- Vehicles used for racing or other high-risk activities
Exclusions may vary depending on the insurer and specific policy terms. Always review your policy documents for detailed information.
Are electric vehicles (EVs) eligible for type 2+ car insurance in Thailand?
Currently, electric vehicles (EVs) in Thailand are not eligible for type 2+ car insurance. However, EV insurance is available under type 1, type 2, and type 3 coverage options. If you’re considering insurance for your EV, it’s important to choose the right type of coverage to ensure your vehicle is protected.
To find the best car insurance options for your EV, you can compare EV car insurance quotes online with MrKumka and choose the coverage that best fits your needs.
What is the average cost of type 2+ vehicle insurance?
As per Q4 2025, the average cost of type 2+ car insurance is THB 6,939*.
The final cost can vary depending on several factors, including the vehicle’s brand, model, year of manufacture, driving history, any modifications, and optional coverage selections.
*Based on internal average premium data collected from October to December 2025.
What is the average type 2+ car insurance premiums from top insurers in Thailand?
Average premiums of type 2+ from Oct to Dec 2025
THB 5,989.16
THB 5,559.22
THB 6,372.53
AIG
THB 5,864.39*
THB 8,018.20
THB 6,838.06
THB 6,919.85
THB 5,767.63
Sompo
THB 6,469.62*
THB 7,633.05
THB 10,147.93
THB 7,699.18
THB 5,760.06
Indara
THB 6,329.82*
*Averages calculated using available months only due to missing data.
Why compare car insurance type 2+ policies with MrKumka?
Transparent coverage breakdown
Quickly understand what each type 2+ policy includes. We clearly highlight repair coverage, excess options, garage network types, and exclusions so you know exactly what you’re paying for.
Fast, frictionless experience
From comparison to purchase, the process is built for a smooth-sailing experience. No unnecessary steps, no hidden fees, just an efficient journey from start to finish.
Trusted support team
If you need help, our customer care team is ready to explain benefits, answer questions, and guide you through the process.
FAQs
Frequently asked questions about car insurance type 2+
Type 1 car insurance offers the highest coverage and sum insured, protecting your car from damage regardless of whether a third party is involved. Type 2+ insurance provides slightly lower coverage and only covers your car when a third‑party vehicle is involved. Although there are additional differences between these two types of auto insurance, the specifics can vary depending on your insurer.
Unlike compulsory motor insurance, type 2+ provides comprehensive protection for vehicle damages resulting from road accidents caused by the insured or any authorized driver in incidents involving third-parties.
- Example: If you accidentally collide with another vehicle while making a turn at an intersection, causing damage to both cars.
Some insurers provide protection against flood damage if your vehicle is severely affected and becomes undrivable. Be sure to check with your insurer for specific details.
- Example: If heavy rainfall leads to a flash flood, submerging your car and causing extensive water damage to the car engine.
Coverage for car theft or break-ins, including damage to the vehicle and theft of items or parts during the incident.
- Example: If someone forces open your car door to steal the GPS system and other valuable items inside, causing damage to the door in the process.
- Medical expenses cover medical costs, offering comprehensive protection for drivers and passengers injured in accidents.
- Personal accident provides financial compensation for injuries or death sustained by the insured or passengers as a result of an accident.
- Bail bond assists with legal support by covering bail expenses if the insured is detained following a covered accident.
Extensive coverage for damages and liability to third-party vehicles, as well as any bodily injury or loss of life caused by the insured during a road accident.
- Example: If the insured party rear-ends another vehicle at a traffic light, causing significant damage to the third-party car’s trunk and resulting in a whiplash injury to the third-party driver that necessitates medical attention.
Coverage for any bodily injury or medical expenses resulting from a road accident.
- Example: If the insured vehicle sideswipes another car, causing the side window to shatter and resulting in minor cuts to the other driver that require medical treatment.
After receiving your quote for car insurance, you’ll find several additional coverage options offered by insurers. Some of these coverages include:
- Excess insurance or deductible upgrade
- Preferred car repair garage or dealer garage upgrade
- Named driver or any driver upgrade
The process for filing a claim will vary based on your insurer's guidelines. For detailed instructions on how to make a claim with the leading insurance providers in Thailand, please visit our "How to Claim" page.
Feel free to reach out and contact MrKumka, we will be happy to go through the details of each insurance brand and coverage options to help you get quotes for car insurance that best suit you.
By Chalit Borwonnauwarux | 25 Mar 2026
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