Luxury cars are more than just transportation – they represent prestige, high performance, and exceptional engineering. At MrKumka, we help owners of luxury vehicles in Thailand find insurance policies that match your car’s value and your lifestyle.
Whether you enjoy daily city driving in a premium sedan or own a high-end performance car, understanding how insurance works for luxury cars is vital before you buy coverage.
Sum insured
Market Value
Sum insured
Market Value
Sum insured
Market Value
Third party property
5,000,000฿
Third party property
5,000,000฿
Third party property
2,500,000฿
Excess
0฿
Excess
0฿
Excess
0฿
Dealer
Dealer
Dealer
Protection
Flood protection
Protection
Flood protection
Protection
Flood protection
Roadside assistance
24 hrs.
Roadside assistance
24 hrs.
-
Installment up to 6 months without a credit card.
Installment up to 6 months without a credit card.
Installment up to 10 months without a credit card.
Luxury car group covers high-end vehicles that stand out for their advanced technology, superior comfort, and high market value. These cars often demand specialised insurance due to expensive parts, complex systems, and premium repair costs.
In Thailand, luxury vehicles don’t have a single fixed group under the Office of Insurance Commission (OIC) rules. Depending on their market value, origin, and assembly method, they may fall into OIC car group 1 or car group 2, both part of the overall classification of all car groups. This classification influences how insurers price premiums and structure coverage.
Luxury cars come from iconic global brands known for performance and style. Below are examples of models typically considered in the luxury insurance category:
These vehicles often require comprehensive insurance with options for genuine parts, authorised dealer repairs, and enhanced cover for theft or special risks.
Luxury vehicles typically:
Choosing the right insurance ensures you maintain the value and performance of your luxury investment.
Thailand’s Office of Insurance Commission (OIC) classifies vehicles into different car groups to help insurers assess risk and calculate premiums. Unlike economy cars, luxury vehicles don’t belong to a single category. Instead, they are typically classified under:
Understanding your luxury car group helps you compare insurance quotes more accurately and avoid under- or over-insuring your vehicle.
Luxury car insurance is ideal for:
Whether it’s everyday commuting or special occasions, quality insurance gives you confidence on the road.
When comparing car insurance policies on MrKumka:
Our platform helps you compare luxury car insurance quotes quickly so you can find the right balance between premium and coverage.
Get instant quotes from top insurers now and protect your premium vehicle with confidence.
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