What is type 1 or class 1 motorcycle insurance?
Class 1 motorcycle insurance in Thailand is the highest level of coverage available. It protects you and your motorcycle in the event of an accident, whether due to your own fault or the negligence of a third-party. Having comprehensive insurance is essential for your safety and peace of mind while riding in Thailand.
How to find the best type 1 motorbike insurance in Thailand?
When it comes to selecting comprehensive coverage for your big bike or motorbike, Roojai’s class 1 motorcycle insurance in Thailand offers exceptional coverage and benefits. Here’s why you should choose us:
Customisable policy: tailor your motorcycle insurance policy to fit your specific needs. Whether you’re a daily commuter or a weekend rider, we’ve got you covered.
Flexible payment options: pay your insurance premium conveniently in 10 monthly instalments using your debit/credit card, QR code payment, or other electronic payment channels.
Convenient Roojai Mobile APP: our user-friendly mobile app allows you to inspect your big bike and motorbike via videocall, manage your policy, access your insurance documents, renew your policy in a few clicks, and even make video insurance claims - all at your fingertips.
Swift assistance: in case of motorcycle accidents, our team guarantees a 30-minute arrival to assess the situation and provide support.
Preferred repair garages: we’ve partnered with a network of reliable motorbike repair shops across Thailand to ensure the highest repair quality for you.
Customer satisfaction: our dedicated agents are available to assist you promptly. With a customer satisfaction score of 4.9/5, you’re in good hands.
Details of Comprehensive Motorcycle Insurance Type 1
Own damage to the motorbike body
Damage to your motorbike - Collision with no third-party vehicle involved
The company will pay for damage to your motorbike incurred during the policy period if there is a collision not involving a third-party vehicle. The maximum amount we pay is the sum insured declared in your policy.
Limits of liability: sum insured
Damage to your motorbike - Collision with a third-party vehicle involved
The company will pay for damage to your motorbike incurred during the policy period if there is a collision with an identified third-party vehicle. The maximum amount we pay is the sum insured declared in your policy.
Limits of liability: sum insured
Lost motorbike / fire / natural disaster
Theft
The company will pay for damage incurred during the period of insurance as a result of theft or attempted theft of your vehicle. The maximum payment is the sum insured declared in your policy.
Limits of liability: sum insured
Fire
The company will pay for total or partial damage to your vehicle incurred during the period of insurance as a result of a fire. The maximum payment is the sum insured declared in your policy.
Limits of liability: sum insured
Natural disasters (including flooding)
The company will pay for damage incurred during the period of insurance as a result of a natural disaster (flood, earthquake, lightning). The maximum payment is the sum insured declared in your policy.
Limits of liability: sum insured
Third-party liability
Third-party property damage liability
The company will pay if you are legally responsible for any damage to third-party property caused by your vehicle during the period of insurance. The maximum amount we pay is the sum insured declared in your policy.
Limits of liability: maximum of ฿1,500,000 per time.
Third-party liability for injury or death
The company will pay if you are legally responsible for any impact to the life or health of a third-party caused by your vehicle during the policy period.
Limits of liability: maximum of ฿500,000 per person up to ฿10,000,000 per time.
Additional coverage for motorbike insurance policy
Medical expenses
The company will pay medical expenses as a result of a motorbike accident.
Limits of liability: adjustable, not exceeding ฿200,000 per person.
Personal accident coverage
The company will compensate for death, permanent loss of hands or vision, and permanent disability to the driver and passengers in the case of a motorbike accident.
Limits of liability: adjustable, not exceeding ฿200,000 per person.
Bail bond coverage
The company will compensate for the costs of legal representation and bail, if necessary. In the case of accidents, the insured may be detained by police investigations for pending proceedings.
Limits of liability: as shown in the policy schedule.
Monthly instalments
by debit or credit card
Easily claim using
Roojai Mobile APP
30 minutes arrival guaranteed to the accident scene
Preferred repair garages available around Thailand
What are additional options for type 1 motorbike insurance?
When getting your class 1 motorcycle insurance quotes in Thailand, you have access to several additional insurance coverage options to enhance your protection coverage options to enhance your protection.
No claims bonus
A no claims bonus, also known as a no claims discount, is a reward for not making any claims over a certain period, which can significantly reduce your motorcycle insurance costs. This benefit allows you to increase your discount, saving you money on your premiums.
Insurance excess
The excess is the amount you agree to pay out of pocket when making a claim, whether you’re at fault or there’s no third-party involved. Choosing a higher excess can lower your motorcycle insurance rates, making your insurance more affordable. This option allows you to customise your policy to suit your budget.
Motorcycle repair shop plans
You can select either dealer garages or preferred garages within our network for your motorbike repairs. This choice ensures that your motorbike receives personalised care according to your preferences.
What are the motorcycle repair shops included in a type 1 insurance policy?
When you opt for a type 1 motorbike insurance policy, you can choose between dealer garages and preferred garages for your motorbike repairs:
Dealer garages
These are authorised service centres that use genuine parts and have technicians trained specifically for your motorbike model. Dealer garages provide expert service and ensure your motorbike is maintained to the highest standards.
Preferred garages
These are trusted motorcycle repair shops that offer flexibility and convenience. Preferred garages might be closer to your home or workplace and can provide reliable service, often at a lower cost compared to dealer garages.
Where to find big bike and motorbike repair shop in Thailand?
Finding a reliable repair shop for your motorcycle in Thailand is crucial for maintaining its performance and longevity.
When choosing a garage for your regular motorcycle or big bike in Thailand, consider factors such as the quality of service, availability of genuine parts, expertise of technicians, and customer reviews. Whether you ride a big bike or a regular motorbike, Thailand has plenty of repair shops to meet your needs.
Type 1 Motorcycle Insurance Q&A
Who is suitable for type 1 motorbike or motorcycle insurance policy?
A type 1 motorbike or motorcycle insurance policy, also known as class 1 comprehensive insurance, suits various riders in Thailand. Here are some key profiles:
- Big bike owners: if you own one of the best big bikes in Thailand, a type 1 insurance policy is ideal. It offers extensive coverage for your asset, protecting it against theft, accidents, and damage.
- Daily commuters: riders who use their motorbikes for daily commuting in busy cities like Bangkok or Chiang Mai can benefit from the comprehensive protection of type 1 insurance. This policy covers a wide range of risks associated with driving a motorcycle in heavy traffic.
- New motorbike owners: if you’re new to riding motorbikes in Thailand, a type 1 policy is a great choice. It provides maximum protection, ensuring that any unexpected incidents are covered.
- Adventure riders: those who enjoy exploring Thailand on their motorbikes, including off-road and long-distance trips, should consider type 1 insurance. It provides coverage for various scenarios, ensuring you're protected no matter where your journey takes you.
- Owners of expensive or customised motorbikes: if you have invested in a high-end or customised motorbike, type 1 insurance ensures that your investment is protected. The policy covers theft, damage, and accidents, providing comprehensive security for your prized possession.
- Safety-conscious riders: riders who prioritise safety and want to ensure they are fully covered in case of any mishaps will find type 1 insurance suitable. It offers extensive benefits, including coverage for medical expenses and personal accidents.
- Riders seeking comprehensive protection: if you want the most complete coverage available, type 1 insurance is the best option. It includes protection against natural disasters, legal expenses, and more, making it ideal for riders who don't want to leave anything to chance.
For those looking for comprehensive motorcycle insurance or a motorbike insurance quote that provides extensive coverage, a type 1 policy is highly recommended. It is especially beneficial for motorcycle riders in Thailand, where comprehensive protection is crucial for navigating various road conditions and risks.
By selecting a type 1 motorbike insurance policy, you can ride with confidence, knowing you have the best possible coverage for your needs. Whether you own a big bike, are new to riding, or simply want maximum protection, type 1 insurance offers the peace of mind every rider deserves.
What are the requirements to buy type 1 motorcycle insurance with Roojai?
- Riders aged 25-65 years old and with a valid driving license (in some cases, a driver's license is required for more than 2 years)
- No history of driving license being revoked
- No more than 3 insurance claims where the rider is at fault in the past 12 months
- Motorcycle is registered in Thailand
How much does type 1 motorcycle insurance cost?
There are many factors that affect your type 1 motorcycle insurance rates and premium such as riding experience, history, motorbike model, age, as well as the purpose of use. In general, Roojai customers can expect insurance premiums starting from ฿2,419.
Why buy type 1 motorcycle insurance with Roojai?
Check your type 1 motorcycle insurance quote online and get affordable premiums with the most comprehensive coverage. Riders can customise the insurance policy by increasing the coverage and adding additional services, such as compulsory insurance, 24/7 roadside assistance, and more. We calculate your premium based on the motorbike as well as on the rider and their past experience on the road.
Our goal at Roojai is to provide affordable motorbike insurance premiums with the highest protection and quality service. That is why we have a 4.9/5 customer satisfaction score and 4.7/5 claim satisfaction score, making us the best motor insurance provider in Thailand.
- We offer all types of motorcycle insurance to meet your driving and budget needs.
- Get your motorcycle insurance quote online in an instant without needing to submit your email or phone number.
- Payments can be made in many ways including by 10 monthly instalments.
- Make a video claim using the Roojai Mobile App.
- Excellent customer service and insurance claim support.
- Receive your policy schedule instantly if you choose e-policy or within 7-14 working days if you preferred a physical copy.
- Contact us easily by phone, website, or mobile app.
How to buy type 1 motorbike insurance online with Roojai?
You can easily purchase a type 1 motorbike policy in just 5 minutes with Roojai. Simply fill in your details to receive your motorcycle insurance quote online, with the option to customise your coverage and select add-ons. Upon successful payment and confirmation, you will receive the documents within 7–14 working days, or instantly if you opt for the e-policy option. In some cases, Roojai may ask for an in-person or photographed motorcycle inspection before the coverage starts.
How to pay for type 1 motorbike insurance with Roojai?
Whether you need to buy a new insurance policy or renew your motorbike insurance online, you can pay by credit or debit card, PromptPay, Line Pay, TrueMoney or online banking.
What is the Roojai Mobile App? How do I use it with the type 1 motorcycle insurance policy?
Roojai created a mobile application to make any insurance-related query or activity more seamless for our customers. If you have a motorcycle accident or other emergencies on the road, just use the Roojai Mobile App and make a motorcycle insurance claim via video call. Our mobile app will also share the real-time position of the Roojai surveyor while they are driving towards your location if a physical inspection is required.
You can also manage and renew your insurance policies through the app, access your policy documents, refer friends, redeem your Roojai Rewards, and much more.
Wherever you are, Roojai is always by your side. Download the Roojai Mobile App now.
Android iOSHow to make type 1 motorcycle insurance claim with Roojai?
You have several options when making a claim with Roojai:
- Use the Roojai Mobile App to make an instant claim through video call
- Call us on our claim hotline at 02 080 9196
How to contact Roojai?
Contact us for any assistance and inquiries through the below channels:
- English motorcycle customer service: 02 080 9196
- Report a motorcycle accident: 02 080 9194 or through the Roojai Mobile App
Class 1 motorcycle insurance tips
- Choose the right plan for you - review the type 1 motorcycle insurance rates for different plans and choose the one that makes sense for your driving needs. Tailor your coverage plans based on your needs and circumstances.
- Customise your type 1 motorcycle insurance quote online - you can lower your motorcycle premium by increasing the amount of excess or choosing the preferred garages plan.
- Choose the e-policy - by selecting e-policy option, you are able to get your motorcycle policy documents sent instantly to your email.
- Use the Roojai Mobile App - you will be able to make instant claims, upload inspection photos (if needed), check all your policy details, and use your Roojai Rewards.
Class 1 motorcycle insurance definitions
| Comprehensive motorcycle insurance plans | A motor policy that offers high sum insured coverage for your motorcycle or motorbike in event of accident with or without a third-party as well as coverage for third-party liability, floods, natural disasters and more. |
| Big bike / big motorcycle | A two-wheel motor vehicle with an engine typically above 125 cc. |
| Motorbike / motorcycle | A two-wheel motor vehicle with an engine typically less than 125 cc. |
| Natural disasters | A natural event that is caused primarily by nature which causes damages without direct intention or purpose. |
| Motorbike riders / motorcycle riders | The person that is considered the sole operator of the motorcycle while riding. |
| Own damage | Damages to your own vehicle. It includes scenarios like accidents, theft, vandalism, natural disasters, and other non-collision events that affect your motorbike. |
| Third-party | Any person or property that might be affected by an accident involving your motorbike. |
Terms and conditions apply.
Updated Date 1st January 2025