The ultimate choice for experienced drivers. Covers vehicle collisions, fire, theft, and battery damage at almost half the price of Class 1!
Confident you won't hit poles or scrape walls. Focus on major road accidents.
Concerned about electrical short circuits or parking in risky areas. Fully covered.
Cut your annual expenses. Premiums start low but offer peace of mind close to Class 1.
| Coverage | Class 2+ (Saver) | Class 1 (Premium) |
|---|---|---|
| Own Damage (Vehicle Collision) | Covered | Covered |
| Own Damage (No third party/Hit a pole) | Not Covered (You pay) | Covered |
| Theft / Fire | Covered | Covered |
| EV Battery | Covered (Vehicle collisions only) | Covered 100% (All scenarios) |
| Starting Premium | 9,xxx THB | 1x,xxx THB |
Class 2+ Insurance is designed to close the gap of Class 3 (which only covers the other party). It adds "Own Damage" coverage, but strictly for accidents involving another registered vehicle.
For Electric Vehicles (EVs), Class 2+ is a highly attractive option for cars 2-3 years old, or for owners who want to save on premiums but are still concerned about heavy battery damage from collisions or fire while charging. Class 2+ fully covers these risks up to your sum insured.
Yes! But only in "vehicle-to-vehicle collisions", "fire", or "theft". Payouts are based on your sum insured.
Class 2+ does not cover "single-vehicle accidents" (e.g., hitting a pole or scratching a wall). You pay for those repairs. However, collisions with other vehicles are fully covered.
Starts at only 9,xxx - 1x,xxx THB/year (almost 50% cheaper than Class 1). Perfect for experienced drivers on a budget.