What is type 2+ or class 2+ motorcycle insurance?
Type 2+ motorcycle insurance is an almost comprehensive, yet affordable option designed for motorbike owners in Thailand. This type of insurance offers coverage that includes third-party liabilities and damages to your motorcycle in the event of a collision or accident. Unlike type 1 insurance, which provides extensive coverage, type 2+ focuses on delivering essential protection at a more budget-friendly rate.
Where to find the best type 2+ motorcycle insurance online in Thailand?
To find the best type 2+ motorbike or motorcycle insurance in Thailand, consider these key factors to get the most value for your money:
- Personalised coverage: customise your motorcycle insurance policy to suit your unique needs. Whether you ride every day or just on weekends, we offer tailored solutions for every motorbike enthusiast.
- Flexible payment plans: enjoy the convenience of paying your insurance premium in 10 monthly instalments using your debit/credit card, QR code payment, or other electronic payment methods.
- User-friendly Roojai Mobile App: our intuitive mobile app lets you submit inspection pictures, manage your policy, and even file video insurance claims – all from your smartphone.
- Rapid response: in the event of a motorcycle accident, our team promises a 30-minute arrival to assess the situation and provide necessary support.
- Trusted repair shops: we have partnered with a network of reliable motorbike repair shops across Thailand.
- High customer satisfaction: our dedicated agents are here to support you at every stage. With a 4.9/5 rating from customer reviews, you can be confident in our commitment to fulfil your needs.
Details of Comprehensive Motorcycle Insurance Type 2+
Own damage to the motorbike body
Damage to your motorbike - Collision with a third-party vehicle
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.
Limits of liability: maximum of ฿100,000 per occurrence.
Lost motorbike / fire / flooding
Theft
The company will pay for damage incurred during the period of insurance as a result of theft or attempted theft of your vehicle.
Limits of liability: maximum of ฿100,000 per occurrence.
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.
Limits of liability: maximum of ฿100,000 per occurrence.
Flooding
The company will pay for damage incurred during the period of insurance as a result of flooding.
Limits of liability: maximum of ฿100,000 per occurrence.
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.
Limits of liability: maximum of ฿600,000 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 ฿300,000 per person up to ฿10,000,000 per time.
Additional coverage for motorbike insurance policy
The company will cover medical expenses, including medical service fees, surgery fees, and other service fees in the event of an injury due to 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 rider and passenger 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
How to enhance your type 2+ motorbike insurance with additional options?
Enhancing your type 2+ big bike insurance with additional options can provide better coverage while retaining an affordable premium. Here’s how you can do it:
Motorcycle repair shop plans
Choose between dealer garages and preferred garages for your motorbike repairs. This option ensures that your motorbike receives tailored care based on your preference, guaranteeing high-quality repairs and genuine parts.
Insurance excess options
Adjusting your insurance excess can help lower your premiums. The excess is the amount you pay out of pocket when making a claim without third party involvement or you’re at fault for the incident. Opting for a higher excess can reduce your motorcycle insurance costs, making the premium more affordable while still providing substantial coverage.
No claims bonus
A no claims bonus, often referred to a no claims discount, rewards you for not filing any claims over a specified period. This benefit can significantly lower your motorcycle insurance premiums, as it allows you to retain your discount, resulting in substantial savings on your insurance costs.
Which motorcycle repair shops fall under the coverage of type 2+ motorbike insurance in Thailand?
When you choose a type 2+ motorbike insurance policy, you have the option of selecting between authorised dealer garages and trusted preferred garages for your motorcycle repairs:
Dealer garages
Dealer garages are official service centres equipped with genuine parts and technicians who are specifically trained for your motorbike model. These garages ensure top-quality maintenance and expert service, keeping your motorbike in excellent condition.
Preferred garages
Preferred repair shops are reliable motorcycle service centres that offer convenience and flexibility. They are often located closer to your home or workplace and provide dependable services at a more affordable price than authorised dealer garages. Preferred garages offer a cost-effective service without compromising on quality.
Where are big bike and motorbike repair shops located in Thailand?
Finding a trustworthy repair shop in Thailand is essential to keep your motorcycle running smoothly and extending its lifespan.
When riding a big bike or regular motorbike in Thailand, it's important to consider the service quality, availability of authentic parts, technical expertise, and customer feedback when selecting a repair shop. Regardless of whether you own a big bike or a standard motorbike, Thailand has numerous repair shops to cater to your requirements.
Type 2+ Motorcycle Insurance Q&A
Who should consider getting type 2+ motorcycle insurance?
Type 2+ motorbike insurance is ideal for different types of riders in Thailand. Here are some key profiles:
- Frequent riders: individuals who use their motorbikes or motorcycles regularly for commute or travel will benefit from the thorough coverage provided by type 2+ insurance. This policy offers protection against accidents, theft, and other potential risks encountered during daily rides.
- Long distance travellers: those who frequently travel long distances on their bikes will appreciate the peace of mind that comes with the coverage of a type 2+ insurance, especially in case of unexpected incidents.
- New riders: beginners who are still getting used to riding might find the added protection reassuring, as it covers a wide range of potential risks.
- Owners of expensive bikes: if you own a high-value motorcycle or a big bike, comprehensive insurance helps protect your investment against significant damage or loss.
- Risk-aware riders: those who prioritise safety and want to ensure they are covered for various scenarios, including accidents and flood, will find type 2+ insurance beneficial.
- Riders in high-risk areas: if you live or frequently ride in areas with higher rates of accidents or theft, this insurance provides extra security.
- By understanding these profiles, you can determine if type 2+ motorbike insurance is the right choice for you.
How to qualify for type 2+ motorcycle insurance with Roojai?
- Your motorcycle must be legally registered in Thailand.
- You must be between 25-65 years old and possess a valid driver’s license issued in Thailand or your home country (more than 2 years’ validity required in some case)
- No previous instances of having your driver’s license revoked.
- No more than 3 at-fault insurance claims in the past 12 months.
What is the cost of type 2+ motorcycle insurance in Thailand?
Several factors influence your type 2+ motorcycle insurance premiums, including your riding experience, driving history, motorbike model, age, and the purpose of bike usage. Understanding these variables can help you get a more accurate motorbike insurance quote and find the best motorcycle insurance rates in Thailand. Generally, Roojai motorcycle insurance type 2+ starts at ฿1,637.
What are the benefits of choosing type 2+ motorcycle insurance with Roojai?
Discover your type 2+ motorcycle insurance quote online and benefit from affordable premiums paired with exceptional coverage. Customise your policy by increasing the coverage and adding optional services like 24/7 roadside assistance or compulsory insurance. Our premium calculations are fair as we take into consideration both the vehicle and the rider’s experience.
At Roojai, our goal is to offer affordable motorbike insurance with comprehensive protection and exceptional service. Our customers rate us highly, with a 4.9/5 satisfaction score and a 4.7/5 claim satisfaction score, making us the best motor insurance provider in Thailand.
- We provide a variety of motorcycle insurance plans tailored to your driving habits and budget.
- Get a quote online without needing to submit your email or phone number.
- We offer flexible payment options, including 10 monthly instalments.
- Easily submit a video claim using the Roojai Mobile App.
- Experience outstanding customer service and insurance claim support, as shared by our satisfied customers.
- Receive your policy schedule within 7-14 working days or instantly with an e-policy.
- Contact us easily via phone, website, or mobile app for any assistance.
How can I purchase type 2+ motorbike insurance online with Roojai?
Complete your type 2+ motorbike insurance purchase in just 5 minutes. Start by checking your motorbike insurance quote online, then customise your coverage as you see fit. Once you’re satisfied, proceed to payment and await our email confirmation. We will respond promptly and send your documents within 7-14 working days, or instantly if you opt for an e-policy. Occasionally, we may require an in-person or photo inspection of your motorcycle before coverage begins.
What payment methods are available for type 2+ motorbike insurance with Roojai?
Purchase or renew your motorbike insurance online 24/7 with ease. Pay using credit card, debit card, PromptPay, Line Pay, TrueMoney, or online banking for a seamless experience.
How can I use the Roojai Mobile App with the type 2+ motorcycle insurance policy?
Ensure safe travels wherever you are with the Roojai Mobile App. In case of a motorcycle accident or any road emergency, you can easily file a motorcycle insurance claim via video call using the app. Track the real-time location of the Roojai surveyor as they head to your location if an in-person inspection is required.
The app also allows you to manage and renew your insurance policies, access policy documents, refer friends, redeem Roojai Rewards, and much more.
No matter the time and place, Roojai is always with you. Download the Roojai Mobile App today for a hassle-free experience.
Android iOSHow do I file type 2+ motorcycle insurance claim with Roojai?
You can file a claim with Roojai in multiple ways:
- Instantly make a claim via video call using the Roojai Mobile App
- Reach out to our claim hotline at 02 080 9196
How can I 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
Tips for buying type 2+ motorcycle insurance
Evaluate your needs - consider your bike's value, your riding habits, and your budget to choose the right level of coverage, whether you have the best big bike or a standard motorcycle.
Understand coverage - make sure you understand what is covered under the type 2+ insurance, including third-party liability, theft, flood, and fire.
Opt for the e-policy - by choosing the e-policy option, you can receive your motorcycle policy documents instantly via email. This is particularly useful for those driving a motorcycle in Thailand, ensuring you have immediate access to your documents.
Use the Roojai Mobile App - our application allows you to file claims instantly, upload inspection photos, if necessary, review all your policy details, and redeem your Roojai Rewards.
Definitions for type 2+ motorcycle insurance
| Collision | An incident where your vehicle crashes into another vehicle or a stationary object, such as a tree or a pole. |
| Riding experience | The amount of time and the extent to which a person has been riding a motorcycle. This includes factors such as the number of years they have been riding and the types of motorcycles they have ridden. |
| Driving history | A record of a driver’s past behaviour on the road. This includes information about any traffic violations, accidents, and other incidents involving the driver. |
| E-policy | An electronic version of your insurance policy. Instead of receiving a physical document, you get a digital copy that you can access online instantly via email or Roojai Mobile App. |
Terms and conditions apply.
Updated Date 1st January 2025