Voluntary Car Insurance Type 2+
Get the best car insurance with affordable type 2+ coverage. Protect your vehicle against accidents, theft, and third-party damage. Get competitive car insurance rates and choose the right policy for your needs today!
What is type 2+ car insurance in Thailand?
Car insurance type 2+ is a voluntary car insurance policy that offers extensive coverage at a more affordable car insurance cost compared to type 1. This Thai car insurance option protects against financial losses from accidents with a third-party, vehicle theft, and damage from specific events. As one of the most cost-effective auto insurance options, it’s perfect for drivers seeking a reliable insurance policy. Whether you're looking for a new car insurance plan or an upgrade, type 2+ delivers great value for peace of mind.
What does car insurance type 2+ cover?
Car insurance type 2+ offers extensive protection for your vehicle. It covers car theft, fire, flood, and collisions with a third-party, along with towing services. Additional benefits include coverage for medical expenses, personal accidents, and bail bonds.
Please read our policy wording for more type 2+ policy coverage details.
Coverage for damage to the vehicle
Own damages - collision with third party
Car insurance type 2+ provides coverage for vehicle damages caused by collisions with a third-party during the policy period. This car insurance policy also covers specified accessories, equipment, and repairs for accident-related damages.
Limits of liability are equal to the sum insured.
Towing service
Car insurance type 2+ includes 24/7 towing services for your vehicle during the policy period. This service covers loading, unloading, and transportation to a car repair centre or garage.
Limits of liability are equal to 20% of repair cost.
Coverage for theft, fire, and natural disasters
Theft
A type 2+ car insurance policy will cover your vehicle during the policy period in case of damages caused by theft, robbery, gang robbery, or embezzlement. Our claim adjusters assess the fair market value of your vehicle based on its age, brand, model, and any damage caused by normal wear and tear. The policy will compensate for damages to the vehicle, accessories, or previously specified equipment.
Limits of liability are equal to the sum insured.
Fire
A car insurance type 2+ policy covers damages to your vehicle during the policy period, whether partially damaged or destroyed by fire.
Limits of liability are equal to the sum insured.
Flood
A car insurance type 2+ policy covers damages to your vehicle caused by floods during the policy period. However, if your vehicle is damaged by any other natural disaster, such as an earthquake, hail, or typhoon, the policy will not cover the damages.
Limits of liability are equal to the sum insured.
Third-party liability coverage
Liability for third-party property damages
A car insurance type 2+ policy covers damages to a third-party’s property caused by the insured driver during the policy period.
Limits of liability are not exceeding THB 2,500,000 per occurrence.
Liability for third-party bodily injuries and loss of life
A car insurance type 2+ policy covers health damages, bodily injuries, or loss of life of a third-party as a result of a car accident caused by the insured driver during the policy period.
Limits of liability are adjustable, but not exceeding THB 5,000,000 per person and THB 10,000,000 per occurrence.
Additional insurance coverage
Car insurance type 2+ will cover actual and reasonable medical expenses of any injured person in a car accident while in, entering, or exiting the vehicle within the policy period, including hospitalisation, surgical expenses, and hospital service expenses, such as doctors’ and nurses' fees and prescription drugs.
Limits of liability are adjustable, but not exceeding THB 500,000 per person.
Car insurance type 2+ compensates for the loss of body parts (hands, feet), other bodily injuries, loss of vision, permanent disability, and temporary disability of the insured person(s). Roojai will compensate for the losses following the policy limits.
Limits of liability are adjustable, but not exceeding THB 500,000 per person.
Bail bond coverage
Car insurance type 2+ will cover the cost of legal fees and bail for the insured driver if they are detained by the police for pending proceedings due to causing harm to a third-party’s health or property during the policy period.
Limits of liability are specified in the policy document.
What driver plans are offered with type 2+ car insurance?
Roojai provides four driver plans to help reduce your car insurance premium. Choose from a specified driver plan, which limits coverage to named drivers, or a flexible plan that covers multiple drivers. While flexible plans may have higher premiums, they offer added peace of mind by ensuring coverage for anyone driving your car.
Named driver plan
- Lowest premium
- Specify up to 4 drivers
- Coverage only for named driver
Any driver plan (30+ years)
- Slightly higher premium
- Anyone aged 30+ can drive
- Main driver must be specified
Any driver plan (25+ years)
- Higher premium than 30+ plan
- Anyone aged 25+ can drive
- Main driver must be specified
Any driver plan
- Highest premium
- Any driver can drive
- Most comprehensive coverage
What are the repair plans available for car insurance type 2+?
Roojai offers two vehicle repair plans with type 2+ car insurance:
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Repair at Roojai preferred garages:
Roojai has a network of trusted partner car repair garages across Thailand, offering high-quality repairs at competitive prices. We ensure that repairs carried out at our preferred garages meet the highest standards, backed by a 12-month warranty for your peace of mind.
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Repair at dealer garages
For those who prefer dealership repairs, Roojai has partnered with reliable dealer garages, providing a seamless and convenient car repair experience. By choosing a dealer garage, you can be assured that your vehicle will be repaired to the highest standards, with a 12-month warranty.
How much does car insurance type 2+ cost in Thailand?
Car insurance type 2+ premiums in Thailand can vary based on factors such as your age, driving experience, car model and its age, location, and frequency of use. Increased coverage levels lead to higher insurance premiums.
How can you lower your type 2+ car insurance premium?
To get a cheaper car insurance premium for your type 2+ policy, consider selecting a policy with an excess. An excess is the amount you are required to pay out of pocket before your insurance provider covers the remaining costs in an accident where you are at fault. Opting for a type 2+ car insurance policy with an excess can help you lower your premium significantly.
Here are some examples to help you understand how excess impacts claims:
- At-fault accident: If the repair costs are THB 25,000 and your excess is THB 3,000, you will pay THB 3,000, and the insurer will cover the remaining THB 22,000.
- No third-party involved: If repair costs are THB 2,000, which is less than your THB 3,000 excess, you pay the entire amount out of pocket.
- Third-party at fault: If repair costs are THB 40,000 and the third-party is at fault, the insurance will cover the full amount up to the sum insured, and you pay nothing.
Choosing the right excess amount can help you balance affordable premiums with manageable out-of-pocket expenses in case of an accident.
Tips for buying car insurance type 2+ in Thailand
- Evaluate your driving experience and location
If you're a careful driver, type 2+ car insurance can save you money while offering excellent coverage. Consider your area of residence as well, as drivers in low-risk locations may find type 2+ policies particularly beneficial. - Understand policy exclusions
While type 2+ car insurance provides extensive coverage, it's essential to review the exclusions to ensure the policy meets your needs. This will help you determine if additional coverage or customisation is necessary. - Customise your policy
Tailor your car insurance with options like a driver's plan or repair plan to suit your driving habits and preferences. If you frequently drive in remote areas, consider adding extra services such as roadside assistance for peace of mind. - Use the Roojai Mobile App
Download the Roojai Mobile App for added convenience in managing your policy and claims. Take advantage of Roojai Rewards to earn bonuses and access special gifts.
By following these tips, you can maximise the benefits of your type 2+ car insurance while keeping costs under control.
Where can you buy the best car insurance type 2+?
You can save time and money with Roojai type 2+ car insurance. Customise your policy to suit your needs by adding features like roadside assistance or vehicle replacement, and enjoy a 10% discount when you install a dashcam. Flexible payment options are available, allowing you to pay in full or in 10 monthly instalments via debit/credit card, PromptPay, or other convenient methods. Conduct remote car inspections or file video claims easily through the Roojai Mobile App. With a 4.9/5 customer satisfaction rating, our agents are ready to provide exceptional service.
As Thailand's leading insurance company with a cutting-edge online platform, Roojai provides flexible and convenient type 2+ car insurance solutions. Roojai offers flexible and convenient type 2+ car insurance solutions. Manage your policy seamlessly through the Roojai Mobile App for affordable and reliable coverage.
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Customer Reviews
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" Very easy to find the details and customer service if you are a foreigner. I hope there will be no claiming issue since this is my first time with Roojai. ^-^ "
Hasitha Premaratne
" Quite happy, the staff speak very good english and very friendly and helpful and well informed. About claim or insurance it self I didn’t experience it yet for services since never had accident. "
Amir Kamyabi
" very good customer service in English. pay attention to every detail and guide through all steps and explain all choices carefully. the process made me happy with ease! "
Min Thu
Vehicle insurance type 2+ Q&A
Who is suitable for car insurance type 2+?
Type 2+ car insurance is an excellent option for experienced drivers with a no-claim history. It provides comprehensive coverage at an affordable premium, as lower-risk drivers typically enjoy reduced insurance costs.
This policy is also suitable for cars 3 years or older. Since older vehicles generally cost less to maintain and repair, type 2+ policy offers the ideal balance of coverage and affordability.
What are the requirements to buy car insurance type 2+ with Roojai?
- Drivers aged 20 to 75 years with a valid driver's licence (some cases may require at least 2 years of driving experience).
- No prior record of a revoked driver's licence.
- A maximum of 2 at-fault insurance claims in the past 12 months.
- The vehicle must be registered in Thailand.
Find out more on how to buy car insurance with Roojai.
How to pay car insurance type 2+ with Roojai?
Purchasing type 2+ car insurance online is fast and hassle-free. Get an instant insurance quote, customise your coverage, policy limits, driver’s plan, and repair options, and complete your payment using convenient methods.
You can pay your vehicle insurance premium using a debit or credit card, PromptPay, Line Pay, TrueMoney, or online banking.*
You can also renew your automobile insurance policy online anytime.
See more about available payment methods at Roojai.
After purchasing, wait for the email confirmation. You can choose to receive an instant e-policy or a hard copy within 7-14 working days. In some cases, a remote vehicle inspection may be required before the policy takes effect.
How to make a car insurance claim with Roojai?
Filing a claim for your type 2+ car insurance policy with Roojai is simple and seamless. Choose one of these convenient options:
- Instantly file your claim via video call using the Roojai Mobile App.
- Contact the insurance claim hotline at 02 080 9194.
Learn more about how to file car insurance claims with Roojai.
What is the Roojai Mobile App and how to use it?
The Roojai Mobile App makes life easier and road trips safer. Manage and renew your automobile insurance policy, access your insurance documents, refer friends, redeem Roojai Rewards, and much more – all in one convenient app. With Roojai, you’ll always have support when you need it most.
Download the Roojai Mobile App today!
Android iOSHow to contact Roojai?
- Contact English customer service (get quotes, buy vehicle insurance, general inquiries): 02 080 9196
- Report a road accident: 02 080 9194 or via Roojai Mobile App
- You can contact Roojai 24/7 by emailing us at service@roojai.com
Definitions:
| Be detained | The situation where a driver is held by authorities, such as the police, during or after an accident or violation. |
| Pending proceedings | Legal actions or processes that have been initiated but have not yet been completed or resolved. |
| Dashcam | A small video camera mounted on a vehicle's dashboard or windscreen that continuously records the view through the vehicle's front or rear windscreen. |
| Embezzlement | The fraudulent taking of money or property entrusted to someone's care. |
Helpful type 2+ car insurance guides
How long can you file a claim after an accident?
*Our policy terms and conditions apply.
Last Updated: March 2025
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