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Car Insurance

Protect yourself and your car with the best car insurance


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Why get car insurance with the Thaiger?

The Thaiger offers a wide range of car insurance plans to meet your needs and budget. We strive to make everything easier for you and provide the needed support to choose the best car insurance, that fits your needs and budget.

What is Car Insurance?

Car insurance protects you against financial loss in the event of an accident or theft. Whether your car catches on fire, gets stolen, vandalized, or when you are involved in an accident, car insurance can offer you payouts.

Car insurance is just as important as your health insurance as it will protect you against any risks from accidents and preventing you from having to pay a big sum of money.

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How to check car insurance premiums?

You should take your age, your driving experience, and the risk of being in an accident into consideration when choosing the perfect plan.

Car Information

Specify the brand, model, and the year your car was manufactured. For example, Honda Civic 2011 or Toyota Camry Hybrid 2013.

Personal Information

Specify your basic personal information such as your name, date/month/year of birth, and your status.

Use of Car

How your car has been used, including your car’s current mileage, possession history, and claim history, may affect your car insurance premiums.

Car Condition

Check the coverage package for insurance that covers your car condition.

Pick the Best Insurer

Select the best policy that provides your needs.

What are the Main Coverages of Car Insurance?

A car insurance policy offers, in return for a fee, compensation for accidents involving your car. It can cover various things, from the damage to your car to your medical expenses. Here are some of the main coverages that car insurance offers.

Main Coverage/Policy Coverage

Your main coverage covers damage to your car. However, in the case of a collision with a house, this varies for each insurance companies. Most coverage will compensate for your vehicle repair but nothing more.

Third-Party Coverage

Third-party coverage protects you against losses you cause to someone else or their property. This means that if you are at fault for the damage done to someone else or their property, your insurance will cover it.

Coverage for losing your car, fires, and natural disasters

This insurance covers additional protection to your car during natural calamities and other unforeseen events, such as flooding, fires, or theft.

Personal Accident Coverage

Personal accident coverage compensates you or your family for injuries, whether it is permanent, temporary, or even death caused by a car accident.

Medical expenses coverage

With medical expense coverage, you, your family, relatives, or anyone else in the car when it crashes will be compensated. The coverage will reimburse the medical expenses, which is helpful to prevent excessive hospital bills that arise from a car accident.

Customer Ratings


48 reviews

Customer Reviews


I was looking for a website to buy car insurance online when I came across this website. Very easy to use and understand I have already enquired just waiting on a callback.

Liam Coleman


Many things to worry about as this will be my first time buying car insurance online, I do know of other companies that have this, however, the thaiger only seems to connect me to their partners which is better as I want to see my options before buying the insurance.

Leo Bridal


Today I spent almost the whole day reading articles about car insurance. I got a lot of good information and advice from the thaiger. This will now allow me to be more selective with my motoring insurance.

Jacob Gray


If you are looking to get your car insurance, I would recommend anyone to conduct research from the thaiger first as they have a lot of information of what is available to foreigners in Thailand.

Theodore Parker


In the past, I never knew what was available in Thailand for me. I always knew that type 1 car insurance is the best and nothing more than that, now that i got the information from the thaiger I will be looking for something else once I need to renew my policy.

Aiden Wilson


Simple and easy site to use, good information about the product, I will be using your services and recommend it to my friends

David Kim

Types of Car Insurance

You’ll probably need to consider the common forms of coverage offered on a car insurance policy, whether you’re buying a new car or shopping for auto insurance for your old car. If you are involved in a car accident, different forms of car insurance policies are available to help protect you, your passengers and your vehicle.

Make sure to read the details of the types of car insurance we offer and choose the one you need.

Type 1 Car Insurance is also known as Comprehensive Insurance. It will help you pay for claims related to non-traffic accident damage to your car. For example, if you have dents in the hood of your car, this coverage will help compensate for the repairs.

Depending on each insurance provider, Type 1 Car Insurance policies may have limitations. It would protect you up to certain limits in a wide variety of unavoidable incidents – like natural disasters, terrorist threats, and auto theft.

Key Points:

  • Claims to replace your car if it’s stolen.
  • Claims for repairing damage from animal collisions.
  • Claims for repairing any weather, flood, or fire damage.

Also known as second-class car insurance, type 2 car insurance is almost identical to type 1 insurance. Type 2 insurance is an excellent alternative to type 1 car insurance for value-for-money. It provides similar protection to type 1 insurance. However, if you damage your own car, there is a limit to the amount insured. It also excludes any damage to your vehicle due to your own fault.

Key Points:

  • Almost similar to Type 1 insurance
  • There is a limit to the amount insured.
  • Exclude any damage to your car due to own fault.

Type 3+ car insurance is similar to Type 2+ insurance. However, unlike type 2+ insurance, there is no coverage for events that may seem unlikely, such as natural disasters.

Type 3+ car insurance covers incidents involving other vehicles on the lane. It is ideal for experienced drivers who, for many years, have not filed claims. It excludes your policy’s self-accident component, which can significantly lower the final premium you pay.

Key Points:

  • Covers incidents involving other vehicles on the lane.
  • Can significantly lower the final premium you pay.

Get car insurance for a better journey.

Accidents happen all of the time in every city and on every roadway, so I think it’s an excellent investment for my family and me to get car insurance. I searched for several days and couldn’t find any better rate than the Thaiger. Not only did I find the best premium, but the whole process is also straightforward. I can say I am delighted with the service.

Top tip: Decide the kind of coverage you need and make sure you understand how the policy you choose works.

The Concept of Car Insurance in Thailand

Car insurance works on a “use it or lose it” policy, meaning that you must pay an annual fee to get the benefit. You may lose the premium amount you paid for protection if you are lucky enough not to have a severe enough accident to want a claim. On the contrary, you can get a No Claim Bonus if you never need a claim. A No Claim Bonus comes with a substantial amount, starting from 20% of the premium in the first year to 50% in the sixth year. This is why some people may advise you not to claim minor damages.

Due to these reasons, we research and collect policy data and then compare them to find the best choice for you. You can compare insurance policies online on our website. We are happy to assist you throughout the whole process. All you need to do is fill in the details needed. We will also provide insurance plans with a comparison of coverage and premiums to make it even simpler for you.

Prices for insurance premiums differ depending on the age and terms of the policy. Before purchasing, you can review information in the policy.

Join the many satisfied customers who’ve got their Car Insurance with The Thaiger.

Other related products

Car insurance provides different types. Please check out the list below for additional information.

Car Insurance Type 1

Car Insurance Type 1 will help pay for claims related to non-traffic accident injury costs to your car.

Read More

Car Insurance Type 2

Covers only losses incurred by other land vehicle accidents.

Read More

Car Insurance Type 3

Only applies to accidents involving other vehicles on the road.

Read More

Compulsory Car Insurance

Important protection of your legal responsibility to any third party for the death or medical costs of third parties.

Read More

Other Car Insurance add-ons

Choosing the right car insurance policy begins with knowing what kind of cover you need, how your car insurance covers you, and then browsing through various car insurance providers to find the most reasonable and best deal for you. While it may seem complicated, there’s nothing to worry about because we’ll make it simple for you. Find car insurance add-ons below that suit your needs, tell us all about it, and we’ll help you find them.

Car Depreciation

Your car can lose value over time. When each part of your car wears out, the value will decrease as well. Car depreciation coverage will protect you against the decrease in your car’s value due to decay or regular wear and tear of your vehicle.

Tire and Liquid in Car

This coverage covers the tires and liquid in your car. Tires covered by this policy include worn, torn, punctured or bloated tires that caused damage to other parts of your car. However, spare tires are not covered.

The liquid covered is only motor oils and base oils that need to be replaced or spilt due to an accident.

Flood Coverage

Flood is one of the natural disasters that occur seasonally in Thailand. It causes many cars to drown every year. The damage level that flood can cause ranges from light to extreme. Type 1 car insurance, the most comprehensive type of car insurance, typically include flood coverage in its policy. Some insurers also offer flood coverage in type 2 car insurance. However, type 3 car insurance usually don’t include flood coverage.

Fire and Theft

Fire and theft car insurance let you claim for damage that happens as the result of an attempted theft (such as a stolen radio or broken door locks) and fire damage to the car (whether it is accidental fire or arson). It will also replace your car if it’s stolen.

Group Car insurance

Car Insurance only covers one car, but if you have a business or an organization, you can consider group car insurance to cover your employees or members. Having group car insurance gives you many benefits. It offers discount premiums to your employees, and it may attract more members to your organization or business!

Since group car insurance is extending coverage to a larger amount of people, it can offer lower costs, allowing each individual to save money. Group car insurance may also offer other discounts, in addition to lower premiums. These can include discounts for parking in select facilities, discounts on car rentals, and even discounts for services related to your car.

Frequently Asked Questions about Car Insurance

Type 1 insurance is the most comprehensive and costly insurance, but in cases where there is no known third party and minimal damage to the car, there is a surcharge as described above. Class 1 (or any type of insurance in this respect) insurance does not cover unlikely incidents such as war and nuclear accidents. Car insurance also does not cover dangerous accidents like criminal activities or reckless driving of alcohol.

Often known as excess, deductible is a sum that you agree to pay as part of any potential insurance claim that you create.

The car owner must first pay compensation if the damage is caused by personal negligence. The insurer will pay for damage to the vehicle in the settlement. However, this depends on the insurance policy you have in the event of missing vehicles, burning, or other natural disasters.

The main difference between these car insurances in Thailand is:

Types 2 will cover other parties’ car maintenance expenses but not yours in case it is your fault. the coverage of type 2 is fire and lost as well.

Types 2+ is quite similar coverage as type 2 but it will cover both parties’ car maintenance expenses in addition.

The type 1 car insurance will cover the car which not over than 1 year. But we suggest the type 2 or 2+ car insurances for cars are age over than 1-15 years and the type 3 and 3+ for cars are age over than 15 years.

Unfortunately, you can’t change the policy during the policy period. However, You would definitely be able to change it at the time of renewal.

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