Where to find comprehensive car insurance type 2+ coverage?
Discover the best car insurance type 2+ by comparing over 15 top insurance brands on MrKumka. The ideal type 2+ policy should cover your vehicle’s damage when a third-party is involved. It also includes towing services, protection against theft and flooding, third-party liability both for injuries and property damages, and additional medical expense coverage for injuries caused by a road accident. Compare car insurance quotes online with MrKumka, explore various insurance policies, and find the best car insurance in Thailand.
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:
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Insurance coverage
Car insurance type 2+ should provide coverage for your own vehicle in case of road accidents involving an identified third-party.
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Theft protection
Ensure your peace of mind with financial coverage against theft, giving you confidence wherever you drive in Thailand.
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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.
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Third-party liability
Provide coverage for third-party bodily injuries and property damage resulting from an accident caused by your vehicle.
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No claims bonus
Save more with a no claims bonus, which reduces your future insurance premiums. This varies depending on the insurer.
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Optional benefits
Enhance your policy with add-ons such as 24-hour roadside assistance and medical coverage, customised to meet your unique requirements.
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Flexible excess
Select an insurance excess to reduce your premium if you are a good driver.
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Lower premiums
Type 2+ insurance premiums are typically more affordable than comprehensive type 1 policies, offering a budget-friendly option for many drivers.
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Peace of mind
Although not as extensive as type 1, type 2+ still offers wide protection, while balancing affordability and coverage.
What are the different features of car insurance type 2+?
While coverage specifics can differ between insurance providers, here are the common features associated with type 2+ car insurance:
Common features of car insurance type 2+ coverage
Coverage for your car
Insurance coverage
protects against collisions with third-partyTheft 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 to others caused by your vehicle.Property damage
pays for damage caused by your vehicle to someone else’s property.
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:
Which types of vehicles are eligible for type 2+ car insurance coverage?
In Thailand, vehicles that typically qualify for type 2+ car insurance include:
- • Passenger cars, SUVs, and pick-up trucks.
- • Vehicles used for regular daily commuting or personal transportation.
- • Cars with standard modifications that meet the insurer's criteria.
- • Generally, vehicles up to 15 years old are considered for type 2+ insurance coverage.
These criteria can vary slightly depending on the insurance provider and specific policy terms. It’s advisable to check with our agents for precise eligibility requirements.
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 here at MrKumka and choose the coverage that best fits your needs.
What types of vehicles are not covered by 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.
What is the average cost of type 2+ vehicle insurance?
The cost of a type 2+ policy varies by insurer but typically starts from THB 4,400. Many factors like vehicle brand, car model, year of manufacture, driving history, modifications, and additional coverage options can influence the final price.
What’s the difference between a type 1 and type 2+ insurance policy?
Both type 1 and type 2+ car insurance provide almost comprehensive coverage, but they offer distinct features. Car insurance type 1 provides a higher sum insured and extensive coverage for car damage, whether or not a third-party is involved. Type 2+ insurance offers a slightly lower sum insured and covers damages to your car only when a third-party road vehicle is involved. Although there are additional differences between these two types of auto insurance, the specifics can vary depending on your insurer.
Frequently asked questions about car insurance type 2+
What does type 2+ car insurance cover for own damages?
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.
What natural disaster coverage is included in type 2+ car insurance?
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.
What protection does type 2+ car insurance offer for car theft?
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.
Is 24/7 roadside assistance included in type 2+ car insurance?
With type 2+ policy, you can benefit from 24/7 roadside towing service if your car breaks down or won’t start. Note that this service may be included in your policy or available as an add-on, depending on your insurer. The towing service will transport your vehicle to the insurance company’s designated repair garage, a repair garage of your choice, or the nearest repair facility to the incident location. Be sure to check with your insurer for specific details.
🔸Example: if your car overheats and breaks down while you’re driving home late at night, requiring a tow to the nearest repair shop for engine repairs.
What does type 2+ policy cover for the driver?
- Medical expenses covers 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.
What third-party liability coverage is included in a type 2+ policy?
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.
What extra coverage options and upgrades are available with type 2+ car insurance?
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
What is excess in a type 2+ insurance policy?
By adding excess insurance, also known as an insurance deductible, to your policy, you can avoid making unnecessary claims and maintain a good driver history. Excess insurance reduces your total premium, offering long-term benefits for the insured driver.
Example of how excess insurance works:
- Your policy has a THB 2,000 excess.
- You have a minor accident and cause damage to another vehicle where you are at fault.
- You are responsible for paying the first THB 2,000 of the repair costs for your own vehicle.
- If the repair costs exceed THB 2,000 excess, you would need to file a claim with your insurance provider to cover the additional expenses beyond your deductible.
- If the repair costs are less than THB 2,000, you can repair the damage yourself and avoid filing a claim.
- This situation applies only when you are at fault. If another party is responsible, their insurance provider will cover the repair costs without impacting your no-claim bonus or good driver history.
What is a no claims bonus and how does it affect auto insurance rates?
- A no claims bonus (NCB) is a discount applied to qualifying auto insurance policies for policyholders who have not made any claims. To be eligible for this discount:
- You must not have filed a claim against your own insurance in the previous year.
- There should be no third-party claims against you.
- This bonus can reduce your insurance premiums by up to 50% after five years of claim-free driving. However, even if you are not at fault in an accident, it can affect your NCB. To maintain your no claims bonus and potentially save on car insurance, consider paying for minor damages out of pocket. This approach can help you keep your discount and lower your car insurance costs in Thailand.
Which is better for type 2+ insurance coverage: a preferred repair garage or a dealer garage?
- Choosing between a preferred repair garage and a dealer garage for your type 2+ car insurance policy depends on your needs. Insurers typically offer a list of approved garages for repairs, which may include the option to upgrade to dealer garages or any garage for an additional fee.
- Preferred garages often have agreements with insurers to ensure quality and lower costs. Using non-approved garages might incur extra charges due to higher repair costs. To get car insurance quotes online that are the most cost-effective for you, including type 2+ policies, consider these factors carefully.
Which is better for type 2+ insurance: named driver or any driver coverage?
Choosing between named driver and any driver coverage for your type 2+ policy depends on who will be using your vehicle.
Named driver coverage this option allows you to include up to 4 additional drivers in your policy, ensuring the same level of coverage for them. This is a good choice if you have specific individuals who will be driving your vehicle regularly.
- If an unnamed driver causes damage, you will be responsible for a deductible of THB 6,000, but coverage will still apply.
- For damages caused by a third-party, no deductible is required, as the insurance company will seek reimbursement from the at-fault party.
- For damage to third-party property, a deductible of THB 2,000 applies.
Any driver coverage by upgrading your policy, you can extend coverage to any driver who uses your vehicle, though this comes with a higher premium. This is especially useful if your car is driven by multiple family members or friends.
- Upgrading to any driver coverage ensures comprehensive protection no matter who is driving, making it a valuable option if multiple people use your car but for a higher cost.
How do you file an insurance claim for type 2+ insurance policy?
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.
What if I’m not sure about choosing type 2+ as my car insurance policy?
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.
Definitions for type 2+ car insurance
| Third-party | Someone other than the policyholder and insurer who may be affected by a contract, typically in cases of injury or property damage. |
| Own damage | Damage to the policyholder’s own vehicle due to accidents, theft, fire, or flood. |
| Frequent drivers | Individuals who drive regularly, whether daily to work or occasionally but consistently. |
| Commercial vehicles | Motor vehicles primarily used for business purposes, like transporting goods or fare-paying passengers. |
