If you’re driving a much older car, you don’t drive often or you’re looking to save a bit more budget, Type 3 car insurance provides your vehicle with basic protection and with a much lower insurance rate when compared to Type 3+ car insurance. Compare Type 3 car insurance with MrKumka.com and choose from different insurance brands to help you save money while still obtaining sufficient coverage for your automobile.
The best car insurance Type 3 can be found when you compare between 30+ different insurance brands on MrKumka.com . A good quality Type 3 coverage will provide customers with a sum insured policy from THB 1,000,000, which would cover third party liability vehicle damages, as well as additional protection of THB 100,000 and up for various medical expenses that may be caused by road accidents.
This will depend on the different insurance brands, but the following are some generally common features of Type 3 coverage;
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High sum coverage for third party damages, bodily injuries and loss of life
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Liability of medical expenses and personal accident resulting from car accidents
Type 3 insurance is suitable for people who may be on a budget, do not drive long distances or have an older car. If you are not certain whether Type 3 is suitable for you, we recommend the following attributes to determine if you are suitable for Type 3 coverage;
This will depend on the insurance brand that offers the policy but usually a Type 3 policy will cost between THB 1,500 and up to THB 3,500 depending on many variables such as vehicle brand, year, model, driving history, any car modifications and any additional coverage options that the customer may want to add.
Many people may consider buying type 3 car insurance to save on costs, especially those on a budget. If you're weighing your options, here are some key benefits to help make your decision easier:
Type 3 car insurance is one of the most affordable options available, ideal for those looking to reduce their insurance expenses. This type of coverage suits drivers who don’t drive frequently, mainly drive locally, or avoid long trips.
Although type 3 car insurance offers basic coverage, it can increase your confidence while driving. Knowing you have coverage for essential third-party medical expenses (in addition to compulsory motor insurance) can give you peace of mind, while helping you save on unexpected costs.
Type 3 insurance can be a flexible choice, allowing you to customise your policy. For those who find comprehensive policies excessive, purchasing a type 3 policy with additional coverage only where needed is a cost-effective approach. This way, you get protection that’s tailored to your needs without overspending.
Type 3+ offers a higher sum of insured car insurance, however, vehicle insurance Type 3 provides a lower sum insured and only for third party liability. Type 3 will not provide coverage for own damages resulting from a car accident and will only cover damages to a third party vehicle when involved in a road accident with a third party. Additionally, Type 3 policies do not provide coverage for flood or fire damages to the motor vehicle. Of course there are other differences between these two types of automobile coverage, but the differences will vary more depending on which insurance provider you choose.
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Type 3 insurance policies will not cover own damages.
Depending on your insurance provider, most Type 3 insurance policies do not provide towing or road support.
Type 3 policies do not cover natural disasters or fire damage to the automobile.
Type 3 policies do not provide coverage for car theft or break in.
Coverage for damages and liability to a third party vehicle as well as any bodily injury or loss of life that is caused by the insured party during a road accident.
Example is if the insured party has a car accident with another vehicle and causes damage to the third party car bumper and also a small neck muscle injury to the third party passengers that requires minor medical attention.
Coverage for any bodily injury or any medical expenses that are related to a road accident.
Example is if the insured vehicle is hit from the side, breaking the side window and causing cuts to the driver’s arm and hands which would require medical treatment.
Named driver or any driver upgrade
This will largely depend on who is driving your automobile most of the time. This coverage upgrade allows for adding additional drivers to your insurance policy and still receive the same level of coverage. Most insurance companies will only allow you to be named as the driver in the policy but by paying an extra fee, you can add other named drivers to your insurance coverage. You can upgrade this even more to have any driver in your policy by charging a higher fee to your insurance premium.
+Example of this is if you have a car that you share with your roommate. By selecting this upgrade on your insurance plan to allow for any driver, any one of your friends or family members are able to drive the vehicle without having to be named in the policy and still receive the same level of coverage. This will increase your insurance premium but it will also guarantee that your car is protected, no matter who is driving it.
This will depend on your insurer and their claim guidelines. You can visit our How to Claim page that provides a bit of insurance claim information for the most popular insurance companies in Thailand.
Feel free to reach out and contact us at MrKumka.com and we are happy to go through the details of each insurance brand and policy options so that you may find the protection suitable for you. Contact: 02 080 9292
