Voluntary Car Insurance Type 3+ in Thailand
Check car insurance price for free and save up to 30% on your insurance. We provide low cost insurance premiums for safe drivers, with coverage for own damages, third party damages and towing services, medical expenses, and bail bond insurance. You can also make a real-time video claim and receive quality customer service with 4.7/5 claim satisfaction score.
Where can you buy the best car insurance type 3+?
Get an affordable car insurance policy with Roojai, save money on your premium with a 10% discount for an installed dashcam, and pay in 10 monthly instalments by debit or credit card or electronic payment method. Conduct a remote car inspection or file a video car insurance claim through the Roojai Mobile App. Enjoy service of the highest quality with a 4.9/5 customer satisfaction score.
What is car insurance type 3+?
Car insurance type 3+ is a voluntary motor insurance that provides extended coverage for your vehicle at a reasonable price. Car insurance type 3+ is a good choice for drivers who want essential protection from financial losses in case of a road accident with a third party as well as insurance coverage for medical expenses for you and your passengers when injured in an accident. This insurance policy is considered a very savvy option for confident and careful car enthusiasts.
What does a car insurance type 3+ policy cover?
Car insurance type 3+ provides your car with extensive protection. Roojai will assist you on the road as type 3+ includes towing services service and covers own damages resulting from an accident with a third party. In case you or any of the passengers got injured, the policy also provides medical expenses coverage so you don’t have to worry!
Please read our policy wording for more type 3+ policy coverage details.
Coverage for damage to the vehicle
Own damages - collision with third party
Roojai will compensate damages to your motor vehicle and specified additional accessories and equipment in case of an accident with a third party during the period of type 3+ insurance coverage.
Limits of liability are not exceeding ฿200,000 per occurrence.
Towing service
Roojai will compensate 24/7 towing services (loading, uploading and transportation to a repair garage) for your motor vehicle in case of an accident during the period of type 3+ insurance coverage.
Limits of liability are equal to 20% of repair cost.
Third party liability coverage
Liability for third party property damages
Roojai will cover damages to a third party’s property caused by the insured driver in a car accident during the period of type 3+ insurance coverage.
Limits of liability are not exceeding ฿2,500,000 per occurrence.
Liability for third party bodily injuries and loss of life
Roojai will provide compensation for health damages, bodily injuries, or loss of life of third parties as a result of an accident involving the insured driver during the period of type 3+ insurance coverage.
Limits of liability are adjustable, but not exceeding ฿5,000,000 per person and ฿10,000,000 per occurrence.
Additional coverage
A type 3+ car insurance policy will cover the cost of medical expenses of any person injured in a car accident involving the insured driver during the insurance period, including doctors visits, hospital stays, and prescription drugs.
Limits of liability are adjustable, but not exceeding ฿500,000 per person.
A type 3+ car insurance policy provides compensation for the loss of body parts, loss of vision, or other bodily injuries, including temporary and permanent disabilities.
Limits of liability are adjustable, but not exceeding ฿500,000 per person.
Bail bond coverage
A type 3+ car insurance policy will compensate the bail bond, so you can be released from jail and await for a trial, if you are arrested and charged with a crime.
Limits of liability are specified in the policy document.
Is excess insurance worth it for car insurance type 3+?
An excess is the money that you are responsible for paying for car repairs before your insurance company will cover the remaining costs. Choosing a policy with a higher excess can help lower your motor insurance premium. If you are the one at fault in an accident you must cover the repair expenses up to the excess amount. However, if the car accident is caused by a third party, your insurance will compensate you based on the policy limits.
How does excess insurance work?
For example, you buy a type 3+ insurance policy with an excess of ฿3,000.
- You are at fault in an accident and file a claim. It costs ฿25,000 to repair your automobile. You pay ฿3,000, and Roojai pays the rest (฿22,000).
- You are in a car accident caused by a third party. You file a claim, and it costs ฿25,000 to repair your automobile. You don’t pay, because you are not at fault. Roojai pays for car repairs in full (฿25,000).
You can significantly cut expenses on car insurance if you are confident in your driving skills.
Nonetheless, if you choose an insurance policy with excess and proceed to file one or more insurance claims. You might eventually pay more, as in this example:
- The motor insurance premium of a policy with an excess of ฿2,000 is ฿7,000.
- The car insurance premium for the same policy without excess is ฿8,000.
- You choose a motor insurance policy with an excess of ฿2,000 and save up ฿1,000.
- You file an at fault claim during the insurance period. Repair costs are ฿25,000. You pay ฿2,000 and Roojai pays the rest (฿23,000).
- You have paid ฿1,000 more by choosing to pay excess ( paying ฿2,000 for car repair, but saving up ฿1,000 on your motor insurance premium).
You can choose the right coverage only if you fairly estimate your needs and driving experience.
What are the repair plans available for car insurance type 3+?
Roojai provides 2 repair plans for automobiles under the type 3+ policies:
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Repair at Roojai preferred garages
Roojai has partnered with car repair garages around Thailand with exceptional service and high-quality vehicle repairs at a lower rate compared to other garages. We provide a 12-months warranty for repairs carried out in any of our preferred garages.
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Repair at dealer garages
Roojai offers convenient and reliable vehicle repairs at any dealer garage around you. We provide a 12-months warranty for repairs carried out in one of the dealer garages. Please contact us at least 24 hours before if you would like to take your vehicle to a dealer service, so that we may make arrangements and smooth the car repair process.
Which driver plans are available for car insurance type 3+?
You can select one of the four driver plans for your car insurance type 3+ policy with Roojai. You can reduce your car insurance premium if you specify the drivers, or you can choose a flexible driver plan that covers more drivers.
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Named Driver plan:
This plan is the most affordable for a type 3+ car insurance premium. You will need to identify a maximum of 4 drivers who will be driving your automobile. This coverage is limited to accidents that occur when one of the named drivers is driving your car.
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Any Driver 30 years old and more plan:
This plan is slightly more expensive, but it allows anyone aged 30 and older to drive your automobile with coverage in case of a car accident. It is essential to identify the main driver in the policy. This plan does not cover road accidents when the driver is under 30 years old, who is not the main driver, is driving the car.
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Any Driver 25 years old and more plan:
This plan is more convenient, and it allows anyone aged 25 and older to drive your automobile with coverage in case of an accident. It is essential to identify the main driver, who will drive the car most of the time. This plan will not cover road accidents when the driver under 25 years old is driving the car, who is not the main driver.
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Any driver plan:
This plan is the most flexible driver’s plan in a type 3+ policy. Your automobile will be covered from all listed events regardless who is driving the car at the time of the accident. It is still required to specify the main driver on your auto insurance policy.
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Vehicle Insurance Type 3+ Q & A
Who is suitable for car insurance type 3+?
A car insurance type 3+ policy is a great option for vehicles older than 7 years that are used often and on a daily basis. We recommend this coverage to experienced drivers that have sufficient time behind the wheel.
Why buy car insurance type 3+ with Roojai?
Roojai online car insurance offers competitive insurance coverage and budget-friendly premiums for drivers. Car insurance type 3+ is a wise decision for those experienced in driving and car owners who would like to save more. We strive to provide you with high quality service and support, further proven by our 4.9/5 customer satisfaction score. You can conveniently pay your type 3+ premium in monthly instalments by debit or credit card. Personalize your coverage, driver, and garage plan, and apply a 10% discount for an installed dashcam. Check your policy and file claims any where and any time through our Roojai Mobile App.
With Roojai, you can:
- Carry out a remote car inspection
- File a video insurance claim instantly (see our 4.7/5 claim satisfaction score)
- Our claim surveyor will be on-site at the accident scene within 30 minutes, and for your convenience, you can track their live location in our app
- Find nearby car repair garages within our extensive network of over 1600+ repair garages
- Refer your friends, collect and enjoy Roojai rewards with your loved ones
- Call roadside assistance anytime.
What are the requirements to buy car insurance type 3+ with Roojai?
- Drivers aged 20 to 70 with a valid driver’s license (2+ years of driving experience might be required, in some cases)
- No record of a revoked driver’s license
- No more than 2 at-fault auto insurance claims in the past 12 months
- Thai vehicle registration is mandatory.
How much does car insurance type 3+ cost in Thailand?
Premiums for type 3+ car insurance in Thailand can vary depending on factors such as your age and driving experience, the age and model of your car, location, and driving frequency. Roojai offers highly competitive car insurance premiums for type 3+, ranging from 1,917 THB to 3,862 THB.
How to buy car insurance type 3+ with Roojai?
Get a car insurance quote on Roojai’s website. Customise your insurance coverage based on your needs, select policy limits, car repair plans and driver’s plans, as well as additional services. Shortly after purchase, you will receive an email confirmation, you can also request an instant e-policy or receive a hard copy within 7-14 working days. A remote vehicle inspection might be required before your policy becomes effective.
How to pay car insurance type 3+ with Roojai?
You can make monthly or annual payments using a convenient payment method of your choice, such as debit or credit card, PromptPay, Rabbit Line Pay, TrueMoney, or online banking payments.
*You also can extend your automobile insurance policy online at any time.
What is the Roojai Mobile App and how to use it?
Roojai Mobile App makes managing your car insurance easier and your road trips safer. All your car insurance needs, in one app - conveniently manage your policies, extend coverage, refer to friends, redeem Roojai Rewards, and more. Roojai is always there for you.
Download the Roojai Mobile App today!
Android iOSHow to make a car insurance claim with Roojai?
File an insurance claim for your type 3+ policy with Roojai instantly via one of the two options:
- File a car insurance claim instantly through a video call in Roojai Mobile App
- Rich out to our agents via 02 080 9196
How to contact Roojai?
Kindly 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
You can also contact us here
Tips for buying car insurance type 3+
- The best way to avoid accidents is to drive safely and follow the traffic regulations.
- Take a defensive driving course to reduce the chance of being involved in an accident.
- Increase deductible to reduce your monthly type 3+ premium.
Definitions:
| Health damage | Any injury, for example, a scratch or broken bone caused by a road accident. |
| Budget-friendly premium | A very affordable insurance premium. |
| Trial | A legal proceeding in a court to determine the guilt or innocence of the accused. |
Our policy terms and conditions apply.
Updated Date 1st January 2025
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