Class 3

Third-Party Auto Insurance (Class 3)

Independent broker

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Voluntary third-party cover. Pays the other party if you cause an accident — your own car isn't covered.

Description

Thai Class 3 (voluntary third-party): covers damage you cause to other vehicles, property, and people — but does NOT cover your own vehicle's damage. The right pick for older cars where the comprehensive premium would exceed the car's value. We quote across Viriyah, Bangkok Insurance, Dhipaya, MSIG and 6 others. Most policies bind same-day for vehicles already registered with mandatory CMI (พ.ร.บ.). We always also quote Class 3+ (small first-party allowance) for vehicles in the THB 200-500k value range — sometimes the upgrade is worth it.

Features

✓Covers damage you cause to others
✓Personal injury liability up to THB 500k/person
✓No own-damage cover (that's Class 1)
✓Class 3+ upgrade available (small own-damage allowance)
✓Same-day binding for most vehicles
✓Pairs with mandatory CMI (พ.ร.บ.)

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

Class 3

฿2,800

Third-party only. Most affordable voluntary cover.

✓Third-party property + injury
✓No own-damage
✓CMI bundled (พ.ร.บ.)

Class 3+

Recommended

฿6,800

Third-party + THB 100k own-damage allowance.

✓Third-party cover
✓THB 100k own-damage limit
✓Theft + fire excluded

Class 2+

฿9,500

Third-party + theft + fire + own-damage allowance.

✓Third-party cover
✓Theft + fire included
✓THB 100k own-damage

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: Third-Party Auto Insurance (Class 3)
Specialisation: Independent broker
Category: Motor
OIC license number: IB-29841
Tags: motor, auto, class-3, third-party, older-vehicle, budget
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: Voluntary third-party cover. Pays the other party if you cause an accident — your own car isn't covered.
Policy types offered: Motor
Long description: Thai Class 3 (voluntary third-party): covers damage you cause to other vehicles, property, and people — but does NOT cover your own vehicle's damage. The right pick for older cars where the comprehensive premium would exceed the car's value. We quote across Viriyah, Bangkok Insurance, Dhipaya, MSIG and 6 others. Most policies bind same-day for vehicles already registered with mandatory CMI (พ.ร.บ.). We always also quote Class 3+ (small first-party allowance) for vehicles in the THB 200-500k value range — sometimes the upgrade is worth it.
Carriers offered: Viriyah Insurance, Bangkok Insurance, Dhipaya Insurance, MSIG Insurance, Syn Mun Kong, Navakij Insurance, LMG Insurance, Thai Setakij
Features: [object Object], [object Object], [object Object], [object Object], [object Object], [object Object]
Coverage tiers: Basic / entry, Standard
Multi-carrier quoting: true
Annual premium handled — from: ฿2,800
Annual premium handled — to: ฿12,000
Gallery: https://images.unsplash.com/photo-1605559424843-9e4c228bf1c2?w=1200,https://images.unsplash.com/photo-1502877338535-766e1452684a?w=1200,https://images.unsplash.com/photo-1494976388531-d1058494cdd8?w=1200
Claim coordination offered: true
Renewal automation: true
Typical response time: Same day
Instant online quotes: true
Direct billing with carriers: false
Payment plans accepted: Annual only, Semi-annual
Languages: Thai, English
Location: [object Object]
Client segments served: Individuals, Families, SME businesses
Maps URL: https://maps.app.goo.gl/bangkok-insurance-demo-sukhumvit-23
Expat-friendly: true
Price: ฿2,800
Price type: From (min of variants)
Billing period: Year
Price negotiable: false
Featured: false
Badge: Class 3
Valid from: 2026-06-03T12:54:04.444Z
Valid until: 2026-07-03T12:54:04.444Z
CTA label: Quote Class 3
Order URL: https://lin.ee/bangkok-insurance-demo
Meta title: Third-Party Auto Insurance (Class 3) — Bangkok Insurance Group
Meta description: Voluntary third-party cover for older / lower-value vehicles. From THB 2,800/year. 8-carrier comparison. Same-day binding.
Facebook caption: Voluntary third-party cover for older / lower-value vehicles. From THB 2,800/year. 8-carrier comparison. Same-day binding.
LINE caption: Voluntary third-party cover for older / lower-value vehicles. From THB 2,800/year. 8-carrier comparison. Same-day binding.
WhatsApp caption: Voluntary third-party cover for older / lower-value vehicles. From THB 2,800/year. 8-carrier comparison. Same-day binding.
LinkedIn caption: Voluntary third-party cover for older / lower-value vehicles. From THB 2,800/year. 8-carrier comparison. Same-day binding.
VAT rate (%): 7

Frequently asked questions

Is Class 3 the same as CMI (พ.ร.บ.)?

No — CMI (พ.ร.บ.) is mandatory government cover, very low limits (~THB 30,000 medical / THB 500,000 death per person). Class 3 is voluntary on top of CMI, with higher limits. Most drivers need both.

Why would I pick Class 3 over Class 1?

If your car is worth less than THB 200,000, a Class 1 premium of THB 12,000-18,000 doesn't make sense — you'd write off the car after 10 years of premiums anyway. Class 3 protects against the catastrophic case (you hurt someone or damage their property) at 1/6 the cost.

What's the difference between Class 3 and Class 3+?

Class 3+ adds a modest first-party own-damage allowance (~THB 100,000) — enough to cover a minor fender-bender on your own car. Pure Class 3 covers nothing on your own vehicle.

Can I switch from Class 3 to Class 1 mid-year?

Yes — we cancel the Class 3 (pro-rata refund) and bind a Class 1. Useful if you upgrade your vehicle or change driving patterns. We handle the carrier paperwork.