Car Insurance Type 2+ for drivers who want to get high coverage and save money

If you’ve had experience driving but made a few claims or you love your car but have a tight budget, Type 2+ car insurance provides your vehicle a high level of protection with a slightly lower insurance premium as compared to Type 1 car insurance. With you are able to compare Type 2+ policies from different insurance brands to help you save money while still getting some high sum insured vehicle coverage.

Where is good car insurance Type 2+ coverage?

The best car insurance Type 2+ can be found by comparing over 30+ different insurance company brands on . The best Type 2+ coverage should provide the customers a high sum insured policy from THB 2,500,000 or more, which would cover own vehicle damages with or without a third party involved, towing service, coverage for theft, flooding, third party liability as well as additional coverage of THB 100,000 and up for various medical expenses that may be caused by a road accident.

What are different features of Type 2+ car insurance?

This will depend on the different insurance companies, but the following are some generally common features of Type 2+ coverage;

Common features of Type 2+ coverage

High sum coverage for your vehicle damage from a road accident with or without a third party

Coverage for 24/7 towing service

Coverage for car theft

Coverage for car fire

Coverage for flooding

High sum coverage for third party damages and bodily injury

High sum coverage for various medical expenses resulting from car accidents

Who should buy car insurance Type 2+ ?

Type 2+ insurance is suitable for people who may be on a budget but still want a high level of protection for any vehicle that is driven often, tends to drive with passengers and is of high value to the driver. Type 2+ is also considered a more low cost car insurance for people who have had a small number of insurance claims in the past and find Type 1 insurance to be too expensive. If you are not sure if Type 2+ is suitable for you, we recommend the following characteristics to determine if you are suitable for Type 2+ insurance;

Driving often for any purpose
Driving often with passengers
Driving a vehicle that is less than 5 years
Driving long distance
Have a limited budget
An experienced driver but has made 1 or 2 claims within a year

What is the average cost of Type 2+ vehicle insurance?

This will depend on the insurer that offers the policy but usually a Type 2+ policy will cost between THB 4,000 and up to THB 12,000 depending on many factors such as vehicle brand, model, year, driving history of the driver, modifications to the automobile, and any additional coverage options that the customer may want to add.

Average Cost

฿4,000 - ฿15,000

What is different between a Type 1 and Type 2+ insurance policy?

Both of these insurance types may be considered as the ‘comprehensive’ car insurance, however, car insurance type 1 will provide much higher sum insured as well as more coverage for any car damage that did not involve a third party. Type 2+ will still provide sufficient sum insured and cover damages to your car when involved in a road accident with a third party, but it will not cover any damages to the vehicle that were caused by the driver alone. Of course there are other differences between these two types of vehicle insurance, but the differences will vary more depending on your insurer.

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What is covered by Type 2+ car insurance in detail

+ What coverage does car insurance Type 2+ provide for own damages?

  • High coverage for any car damages that are results of car accidents caused by the insured or any named driver but does not involve any third party.

    Example of this is if you hit a tree with your vehicle and dented the bumper and hood.

  • High coverage for any car damages that are results of road accidents caused by the insured or any named driver and involving a third party.

    Example of this is if you hit another vehicle while you are pulling out of a parking space and damage your own car bumper.

+ Does Type 2+ insurance provide 24/7 road support?

  • 24/7 road towing service is provided in the event that your car breaks down or is not able to start any time of the day. The towing service will tow your vehicle to the insurance companies provided repair garage or to the repair garage of your choice or whichever may be closer to the scene of the incident.

    Example of this is if your battery dies in the middle of the night while you are at a rest stop on the highway and you need your vehicle towed to a repair shop in order to install a new car battery.

+ What coverage does car insurance Type 2+ provide for natural disasters?

  • Coverage for flooding and other natural disasters if your vehicle is significantly damaged by natural causes and it cannot be driven as normal.

    Example of this is if a tree falls on your vehicle in the middle of the night due to a strong thunderstorm.

  • Protection in case of vehicle fire that damages the vehicle in any way, whether mechanically or cosmetically.

    Example of this is if a utility pole falls near or on your vehicle and sparks an electric fire which causes fire damage to the outside and interior of the car

+ What coverage does Type 2+ auto insurance provide in case of car theft?

  • Protection in case of car theft or the car is broken into, damaged in the process and items or parts of the vehicle are stolen.

    Example of this is if a thief breaks the car window in order to get inside your vehicle and steal the display panel or audio system of your vehicle.

What insurance coverage does car insurance Type 2+ provide for liability for third party damages?

  • High coverage for damages and liability to a third party automobile 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 hits another car on the road and causes damage to the third party automobile hood and also a serious injury to the third party driver that requires medical treatment.

  • Protection for any bodily injury or any medical expense that is related to a road accident.

    Example is if the insured vehicle is hit from the back, breaking the back window and causing the glass to break and cut the driver slightly which would require minor medical attention.

+ What are additional coverage options and upgrades for Type 2+ car insurance?

  • Excess insurance or insurance deductible upgrade

  • Pre selected car repair garage or dealer garage upgrade

  • Named driver or any driver upgrade

+ What is excess insurance on a Type 2+ policy?

  • By adding excess insurance or also called insurance deductible to your policy, you will be able to avoid making unneeded claims while maintaining your good driver history. Excess insurance, however, does increase your total premium but it does benefit the insured driver in the longer term.

    Example is if you added THB 2,000 Excess onto your policy but later you had a minor road accident with or without a third party involved but you were at fault. You would have to pay for your own vehicle repair cost up to THB 2000 but also you’d still be avoiding another insurance claim. If the repair costs happen to be higher than your THB 2,000 excess, you would have to make a claim with your insurance provider so they could cover the amount that goes over your insurance deductible. This of course only would apply to claims where you are at fault, and in other instances, the insurer of the guilty party and your insurance company would cover the costs without having an affect on your No Claim Bonus or your good driver history.

+ Which is better, a preferred car repair garage or dealer garage for a Type 2+ policy?

  • This partially depends on your preference but also who you can trust with repairing your automobile. Most insurance providers have a pre-selected garage repair list in case a customer’s car was damaged in a car accident. Some insurance providers will allow for upgrading this to have both pre-selected and dealer car repair garages for an additional fee or even allow upgrading to repair at any garage of your choice for a bit of a larger fee. The reason is that insurance companies build relationships with their pre-selected repair garages so as to be sure they can guarantee quality of repair and get a lower cost for their customers. If choosing other types of repair garages, an extra fee is added to the insurance policy as the insurance company is not able provide guarantees on the level of car repair quality, it also increases the risk that the automobile could have issues in the future because of sub-par repair.

+ Which is better, named driver or any driver for Type 2+ policy?

  • This will largely depend on who is driving your vehicle 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 providers 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 policy. You can upgrade this even more to have any driver in your policy by charging a higher fee to your premium.

    Example of this is if you have a car that you share with your wife and sister. By selecting this upgrade on your insurance policy to allow for any driver, any one of your family members can 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 ensure that your car is protected, no matter who is behind the wheel.

+ How to make an insurance claim for my Type 2+ policy?

  • This will depend on your insurance provider and their claim guidelines, but you can visit our How to Claim page that provides a bit of claiming details for the most popular insurance brands in Thailand.

+ What if I’m not sure about choosing Type 2+ as my car insurance policy?

  • Feel free to reach out and contact us at and we are glad to go through the details of each insurance company and policy options so that you may find the coverage suitable for you. Contact : 02 582 8836