Car keys and insurance policy documents on desk

Class 1

Comprehensive Auto Insurance (Class 1)

Independent broker

Listed on RevIQ · view this listing's full schemaView on map

Full comprehensive cover. Own-damage, third-party, theft, fire, flood, glass — fully bundled.

Description

Thai Class 1 comprehensive: covers your car (own damage), the other car (third-party liability), plus theft, fire, flood, glass, and natural disasters. The standard cover for any vehicle worth more than THB 500,000. We quote across 14 carriers — Viriyah, Bangkok Insurance, Dhipaya, MSIG, Tokio Marine, Sompo, Muang Thai, etc. — and recommend whichever combination of premium, repair-shop network, and claim ratio fits your specific vehicle + driving profile. Instant online quote for most Bangkok-registered cars.

Features

✓Own damage + third-party + theft + fire + flood
✓Optional zero deductible (Excess) tier
✓In-network repair-shop direct-bill
✓Replacement vehicle while in repair (Premium tier)
✓14-carrier quote in under 5 minutes online
✓Roadside assistance 24/7 included

Warranty & guarantees

In-house warranty· Lifetime claims-support guarantee · 14-day free cancellation

Satisfaction guarantee

If we can't beat your current renewal quote on equivalent coverage, we'll tell you — and tell you to stay where you are. We win by being honest, not by churning policies.

Return policy

Thai law gives every new insurance policy a 14-day free-look period — full refund of premium if you cancel within 14 days of issue. After that, refunds are pro-rata per the policy's cancellation schedule.

Pricing

Standard Class 1

฿18,500

THB 5,000 deductible. Standard repair network.

✓Own damage + 3rd party
✓Theft + fire + flood
✓Roadside assistance

Zero-deductible Class 1

Recommended

฿24,500

No deductible. Authorised-dealer repair.

✓Zero deductible
✓Authorised-dealer-only repairs
✓Glass cover unlimited
✓Replacement car 7 days/year

Executive Class 1

฿36,000

Full premium cover for luxury vehicles.

✓Zero deductible
✓Original parts only
✓Concierge claims
✓Replacement car unlimited

Trust

4.9·274 reviews on Google 4.8·162 reviews on Facebook

VerifiedFast response10+ yearsHighly recommendedAward winner

Team

Khun Apirak

Managing Broker & Founder

Khun Niran

Head of Claims

Sarah Williamson

Expat & International Desk

How it works

Quote in 1 hour
Within 1 hour
Tell us what you need; we run it across all 14 carriers we work with and surface the best 3 options — usually within the hour, never more than same-day.
Compare & decide
Same day
Side-by-side comparison of premium, coverage, exclusions, claim ratio. We explain trade-offs in plain English/Thai — no insurance jargon.
Bind & pay
≤ 24h
E-sign the application; pay annual, semi-annual, quarterly, monthly, or 0% installment. Policy issued within 24h.
Claim coordination
Throughout the policy
File a claim through us — never alone. We pre-validate the paperwork with the carrier and chase weekly until paid.
Proactive renewal
Annual
60/30/14-day automated renewal reach-out. We re-quote across all carriers each year to make sure you're not silently paying more.

In the press

Bangkok Post Business

How independent brokers are reshaping Thailand's insurance buying journey

2025

Thai Insurance Review

MDRT Thailand 2024: the brokerages punching above their weight

2024

Coconuts Bangkok

The expat's guide to actually getting your insurance claim paid in Thailand

2025

Details

Title: Comprehensive Auto Insurance (Class 1)
Specialisation: Independent broker
Category: Motor
OIC license number: IB-29841
Tags: motor, auto, class-1, comprehensive, own-damage, third-party, theft, flood
Brokerage / firm name: Bangkok Insurance Group
Years in insurance: 22
Team size: 14
Accreditations: OIC-licensed broker, Insurance Brokers Association member, MDRT (Million Dollar Round Table), Court of the Table
Short description: Full comprehensive cover. Own-damage, third-party, theft, fire, flood, glass — fully bundled.
Policy types offered: Motor
Long description: Thai Class 1 comprehensive: covers your car (own damage), the other car (third-party liability), plus theft, fire, flood, glass, and natural disasters. The standard cover for any vehicle worth more than THB 500,000. We quote across 14 carriers — Viriyah, Bangkok Insurance, Dhipaya, MSIG, Tokio Marine, Sompo, Muang Thai, etc. — and recommend whichever combination of premium, repair-shop network, and claim ratio fits your specific vehicle + driving profile. Instant online quote for most Bangkok-registered cars.
Carriers offered: Viriyah Insurance, Bangkok Insurance, Dhipaya Insurance, MSIG Insurance, Sompo Insurance, Muang Thai Insurance, Navakij Insurance, LMG Insurance, Syn Mun Kong, Tokio Marine Life, Thai Setakij, Generali
Features: [object Object], [object Object], [object Object], [object Object], [object Object], [object Object]
Coverage tiers: Standard, Premium, Executive / VIP
Multi-carrier quoting: true
Annual premium handled — from: ฿18,500
Annual premium handled — to: ฿80,000
Gallery: https://images.unsplash.com/photo-1449965408869-eaa3f722e40d?w=1200,https://images.unsplash.com/photo-1486754735734-325b5831c3ad?w=1200,https://images.unsplash.com/photo-1503376780353-7e6692767b70?w=1200
Claim coordination offered: true
Renewal automation: true
Typical response time: Within 1 hour
Instant online quotes: true
Direct billing with carriers: true
Payment plans accepted: Annual only, Semi-annual, Quarterly, Monthly, Installment plan
Languages: Thai, English, Chinese (Mandarin)
Location: [object Object]
Client segments served: Individuals, Families, Expats in Thailand, High net worth, SME businesses
Maps URL: https://maps.app.goo.gl/bangkok-insurance-demo-sukhumvit-23
Expat-friendly: true
Price: ฿18,500
Price type: From (min of variants)
Billing period: Year
Price negotiable: false
Featured: true
Badge: Class 1
Valid from: 2026-06-03T12:54:04.444Z
Valid until: 2026-07-03T12:54:04.444Z
CTA label: Quote my car
Order URL: https://lin.ee/bangkok-insurance-demo
Meta title: Comprehensive Class 1 Auto Insurance — Bangkok Insurance Group
Meta description: Class 1 cover quoted across 12 carriers. Own-damage, third-party, theft, flood. From THB 18,500/year. Instant online quote.
Facebook caption: Class 1 cover quoted across 12 carriers. Own-damage, third-party, theft, flood. From THB 18,500/year. Instant online quote.
LINE caption: Class 1 cover quoted across 12 carriers. Own-damage, third-party, theft, flood. From THB 18,500/year. Instant online quote.
WhatsApp caption: Class 1 cover quoted across 12 carriers. Own-damage, third-party, theft, flood. From THB 18,500/year. Instant online quote.
LinkedIn caption: Class 1 cover quoted across 12 carriers. Own-damage, third-party, theft, flood. From THB 18,500/year. Instant online quote.
VAT rate (%): 7

Frequently asked questions

Does Class 1 cover me if I'm driving someone else's car?

Class 1 is policy-on-the-car, not driver. Anyone you authorise to drive your insured car is covered (above legal driving age, valid licence). You driving someone else's car would need that car's Class 1 to extend cover.

What's the difference between standard and zero-deductible?

Standard Class 1 has a THB 5,000 deductible per claim (you pay first THB 5,000, insurer pays the rest). Zero-deductible removes that — useful if you commute daily and minor scrapes are likely. Premium is roughly 30% higher.

Will my premium go up after a claim?

If you're at-fault and claim, yes — typically 10-20% loading at renewal, depending on the carrier and your prior no-claim discount. Not-at-fault claims (other party's insurer pays) don't affect your premium.

Can I claim flood damage?

Yes — Class 1 covers flood, hail, storm, fire, and other natural-disaster damage. Important for Bangkok during October-November flood season. Submarine-level submersion is not covered (engine destruction).