Type 2+ car insurance
Type 2+ Car Insurance — Car-on-Car, Theft, and Fire Cover at a Better Price
Type 2+ sits between full Type 1 protection and the lowest-cost Type 3+. It's a good fit for drivers with 3–7 year old cars who want coverage for car-on-car collision, theft, and fire — without paying the full Type 1 premium.
- Licensed broker ว00016/2566
- Compare 18+ insurers
- Installments up to 10 months
- No obligation to buy
What Type 2+ car insurance covers
Type 2+ covers your car when it collides with another identifiable vehicle, plus other essentials that overlap with Type 1.
- Damage to your car, when colliding with another identifiable vehicle
- Vehicle theft or loss
- Fire, from electrical or external causes
- Damage to the other party's vehicle and third-party property
- Medical expenses for driver and passengers
- Driver bail bond in case of an accident
Actual coverage limits and conditions follow each insurer's policy.
Type 2+ limitations to be aware of
Before choosing Type 2+, understand what it doesn't cover so the plan fits how you actually drive.
- Single-vehicle accidents are not covered (e.g., hitting a pole, kerb, or wall)
- Flood damage isn't covered by default; some insurers sell flood as an add-on
- You must be able to identify the other vehicle to claim
- Some natural-disaster events depend on the specific policy terms
Type 2+ vs Type 1 vs Type 3+
| Coverage | Type 1 | Type 2+ | Type 3+ |
|---|---|---|---|
| Car-on-car collision | Covered | Covered | Covered |
| Single-vehicle / object | Covered | Not covered | Not covered |
| Theft / loss | Covered | Covered | Not covered |
| Fire | Covered | Covered | Not covered |
| Flood | Covered | Add-on (some insurers) | Not covered |
| Third-party vehicle & property | Covered | Covered | Covered |
| Approx. annual premium (THB) | 8,000-30,000+ | 5,000-12,000 | 3,000-7,000 |
This table is for orientation only. Actual coverage and terms follow each insurer's policy.
Who Type 2+ is for
- Cars 3–7 years old, still valuable but not requiring a full Type 1 premium
- Careful drivers with a low chance of single-vehicle accidents
- Cars parked in open lots where theft or fire risk still matters
- Owners who've finished financing but still want broad coverage
How much does Type 2+ cost?
Type 2+ premiums typically range from THB 5,000 to 12,000 per year, depending on make, model, age, sum insured, claim history, and the insurer's pricing. The fastest way to see your actual premium is to enter your car details and compare side by side — quotes for the same car can differ by several thousand THB between insurers.
Why compare Type 2+ at Gengmak
- Licensed Thai insurance broker (OIC license ว00016/2566)
- Compare premiums across 18+ insurers in one place
- Free quotes, and you don't have to buy straight away
- Installments via Omise Link Plus, up to 10 months
- Support team available via LINE and phone