Car Insurance Type 2 in Thailand
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Where can you buy affordable car insurance type 2?
You can get a personalised auto insurance policy with Roojai in just a few minutes. Add roadside assistance and vehicle replacement in case you are in an accident. Get a 10% discount if your car has a dashcam. Pay your auto insurance premium annually or in 10 monthly instalments by a debit or credit card, PromptPay, or other available methods. Use Roojai Mobile App to conduct a remote car inspection or file an instant video insurance claim. Our team will arrive within 30 minutes to the accident scene and get the highest quality service with our 4.9/5 customer satisfaction score.
What is car insurance type 2?
Car insurance type 2 is a voluntary car insurance policy that offers affordable coverage for third party liability. It is a good option for experienced drivers who are less likely to file insurance claims and want financial protection in case of an accident but want to spend their money wisely.
What does car insurance type 2 cover?
Car insurance type 2 protects you from legal liability for damages to third parties property, bodily injuries, or loss of life caused by your vehicle. It also covers thefts, fire damage to your motor vehicle, medical expenses, personal accident coverage, and bail bond coverage.
Please read our policy wording for more type 2 policy coverage details.
Coverage for theft and fire
Theft
Under car insurance type 2, you will be compensated for damages to your motor vehicle caused by car theft, robbery, gang robbery, or embezzlement, including specified additional accessories, equipment, and any fixtures, within the insurance period.
Limits of liability are equal to the sum insured.
Fire
Under car insurance type 2, you will be compensated for damages to your motor vehicle caused by total or partial fire within the insurance period.
Limits of liability are equal to the sum insured.
Third party liability coverage
Liability for third party property damages
Under car insurance type 2, you will be protected from legal liability for damages you cause to other people’s property or vehicle in a car accident within the insurance period.
Limits of liability are not exceeding ฿2,500,000 per occurrence.
Liability for third party bodily injuries and loss of life
Under car insurance type 2, you will be protected from legal liability for damages you cause to health, bodily injuries, or loss of life of a third party in a car accident within the insurance period.
Limits of liability are adjustable, but not exceeding ฿5,000,000 per person and ฿10,000,000 per occurrence.
Additional coverage
Under car insurance type 2, you will be protected from financial losses due to actual and reasonable medical expenses, surgical expenses, hospitalisation, doctors and nurse’s fees, and other hospital expenses for any person who is injured in a car accident while in, entering, or exiting the vehicle within the insurance period.
Limits of liability are adjustable, but not exceeding ฿500,000 per person.
Under car insurance type 2, you will be protected from financial losses due to a personal accident that resulted in the loss of body part (hands, feet), other bodily injuries, loss of vision, permanent disability, and temporary disability of the insured person. Roojai will compensate for the losses following the policy schedule.
Limits of liability are adjustable, but not exceeding ฿500,000 per person.
Bail bond coverage
Under car insurance type 2, the costs of bail and legal representation will be covered for the insured driver who is involved in an accident that causes damage or harm to a third party’s health or property within the insurance period.
Limits of liability are specified in the policy document.
How can I get my car repaired under type 2 insurance policy?
Roojai has a network of carefully selected car repair garages in Thailand that offer excellent service and high-quality repairs at a more competitive price than other garages. We assure you that repairs done in the preferred garages are of the highest standard and come with a 12-month warranty.
What are the driver plans available for car insurance type 2?
Roojai offers four driver plans for a car insurance type 2 policy. You can choose the plan that best suits your needs and budget. Save more on your car insurance premium by specifying who is eligible to drive your car. However, keep in mind that the more flexible plans will be more costly.
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Named driver plan:
The Named driver plan is the most affordable car insurance type 2 plan. It covers accidents only when one of the named drivers in your insurance policy drivers is driving the car. You can specify up to 4 named drivers.
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Any driver 30 years old and more plan:
This driver plan is slightly pricier, but it provides coverage for road accidents when anyone older than 30 is driving your car. You still need to name the main driver, who will drive the car most of the time. The company will not cover accidents when anyone under 30 (who is not the main driver) is driving your car.
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Any driver 25 years old and more plan:
This driver plan is a convenient option that covers any driver 25 years of age and older in the event of an accident. You must specify the main driver, who will drive the car most often. The company will not provide coverage if anyone under 25 (who is not the main driver) is driving the car at the time of the accident.
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Any driver plan:
This driver plan in your car insurance type 2 policy is the most flexible and pricey one, as it covers all accidents no matter who is driving your car at the time of the event. You still need to specify the main driver on your auto insurance policy- who will drive your car the most.
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Vehicle Insurance Type 2 Q & A
Who is suitable for car insurance type 2?
A car insurance type 2 policy is a good fit for experienced drivers with clean driving records who own a vehicle that is 5 years or older. Since car insurance type 2 offers limited coverage compared to car insurance type 1 or car insurance type 2+, it is important to have a good driving history to minimise the risk of making a claim. Additionally, car insurance type 2 premiums are relatively low, making it a good option for those who are looking to save money on their car insurance.
Why buy car insurance type 2 with Roojai?
Roojai online insurance is a leading insurance provider in Thailand. We offer reliable insurance coverage at a lower cost to car owners and full journey support from our service agents which is further proven with our 4.9/5 customer satisfaction score. A car insurance type 2 policy will cover your vehicle in emergencies like fire, car theft or damage to a third party vehicle. Customise your insurance plan, get a 10% discount for an installed dashcam, and manage your budget efficiently by paying your insurance premium in monthly instalments.
Get the Roojai Mobile App and enjoy more benefits of having Roojai insurance. With Roojai, you can:
- Conduct a remote car inspection
- Make claims instantly and experience reliable service with 4.7/5 claim satisfaction score
- Find the nearest car repair garages and centers from our 1600+ partners
- Get instant claim assistance and expect the surveyor to arrive within 30 minutes
- Extend your existing automobile insurance policy
- Roadside assistance available 24/7
- Refer your friends, collect, and redeem Roojai rewards.
What are the requirements to buy car insurance type 2 with Roojai?
- Drivers aged 20-70 with a valid driver’s license (with 2 years of driving experience if required)
- No history of Driver’s license revocation
- Maximum 2 at-fault car insurance claims in the last year
- Vehicle with Thai registration.
How much does car insurance type 2 cost in Thailand?
A car insurance premium depends on various factors. Underwriters consider drivers’ age, experience, lifestyle, type of vehicle, vehicle’s age and car insurance group. You can expect to pay from 2,744 THB to 5,508 THB for a type 2 policy with Roojai.
How to buy car insurance type 2 with Roojai?
Get an instant quote on Roojai’s website. Select your insurance coverage and policy limits, select add-ons for extra protection in unexpected events on the road. You will receive an email confirmation shortly. Get an instant e-policy or receive a hard copy within 7-14 working days. Depending on the case, a vehicle inspection might be required before the policy becomes effective.
How to pay car insurance type 2 with Roojai?
You can pay your automobile insurance premium online by debit or credit card, PromptPay, Rabbit Line Pay, TrueMoney, or online banking payments.*
You also can extend your vehicle insurance online at any time.
What is the Roojai Mobile App and how to use it?
Roojai Mobile App will make your life easier and road trips safer! Manage your car insurance policy, extend your coverage and documents, refer to friends, redeem Roojai rewards, and more - all in one app. Roojai is always there for you, no matter what.
Download the Roojai Mobile App today!
Android iOSHow to make a car insurance claim with Roojai?
You can make a claim on your car insurance policy in case of an accident in two ways, whichever is most convenient for you:
- Make an insurance claim instantly through a video call in Roojai Mobile App
- Call the insurance claim hotline at 02 080 9196
How to contact Roojai?
Please contact English customer service (check price, buy vehicle insurance, general inquiries): 02 080 9196
Report a road accident: 02 080 9194 or via Roojai Mobile App
Send us a message to contact us
Tips for buying car insurance type 2
Consider your driving skills and experience - If you're an experienced driver with a good driving history, car insurance type 2 can be a smart choice to save money.
Reduce your insurance premium - To save on insurance premiums, install a dashcam for a 10% discount and choose to pay the deductible.
Assess your needs - Assess your needs and choose a policy that offers adequate protection.
Definitions:
| E-policy | It is an electronic type of insurance policy that is stored and accessed online. |
| Legal representation | It is the service of providing legal advice and representation of an insured driver in court. |
| License revocation | It is the permanent termination of a license by the issuing authority. |
Our policy terms and conditions apply.
Updated Date 1st January 2025
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