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Compare 2+ and 3+ car insurance from 3 insurers

Choose your vehicle, class and sum insured. The app sorts the prices and sums up what you pay, what you get and how the plans differ. No name or phone number needed.

In short

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Send your registration book or current policy and the plan you like. We check the premium for your model and year.

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Results

Full cover

Cover	Viriyah Insurance (2+, 3+)	Bangkok Insurance (2+)	Indara Insurance (2+, 3+)
Third-party injury or death (above compulsory cover)	500,000/person, 10,000,000/event	1,000,000/person, 10,000,000/event	500,000/person, 10,000,000/event
Third-party property	1,000,000/event	1,000,000/event	1,000,000/event
Your car damaged in a collision with a land vehicle	Up to sum insured	Sum insured, max 700,000	Up to sum insured
Theft / fire	Up to sum insured	Sum insured, max 700,000	Up to sum insured
Natural disasters (flood, earthquake, hail, storm)	Not covered	100,000/event	Not covered
Total loss from overturning / leaving the road	Not covered	100,000/event	Not covered
Windscreen damage not from a collision	Not covered	100,000/event	Not covered
Terrorism	Not covered	Sum insured, max 700,000	Not covered
Personal accident (death, loss of limbs, permanent disability)	50,000/person	100,000/event	100,000/person
Personal accident, driver and passengers	500,000/person	200,000/person	100,000/person
Bail bond for the driver	200,000	250,000	100,000

Prices come from premium tables InsureFriend received from the insurers, updated 9 Nov 2026, and are for comparison only. The actual premium depends on model, car age, use and the insurer's underwriting. Cover follows the policy terms.

Service by InsureFriend Broker Co., Ltd., non-life insurance broker licence no. ว00011/2563. We are not an insurance company.

All 2+ and 3+ premiums

Yearly premium (THB) by sum insured and vehicle code. A dash means the insurer has no plan at that sum.

Code 110 Private car

Sum insured	Viriyah Insurance 2+	Bangkok Insurance 2+	Indara Insurance 2+	Viriyah Insurance 3+	Indara Insurance 3+
50,000	-	-	5,600	-	5,000
100,000	7,500	7,300	5,900	6,600	5,300
150,000	8,200	-	-	7,300	-
200,000	8,800	8,300	6,800	7,700	5,900
250,000	9,400	-	-	8,300	-
300,000	9,900	9,300	7,700	8,800	6,600
350,000	10,500	-	-	9,400	-
400,000	11,000	10,500	-	9,900	-
450,000	11,600	-	-	10,500	-
500,000	12,000	11,500	-	11,000	-
600,000	-	12,500	-	-	-
700,000	-	13,500	-	-	-

Code 210 Private passenger pickup

Sum insured	Viriyah Insurance 2+	Bangkok Insurance 2+	Indara Insurance 2+	Viriyah Insurance 3+	Indara Insurance 3+
50,000	-	-	6,500	-	5,300
100,000	7,500	7,300	6,800	6,600	5,900
150,000	8,200	-	-	7,300	-
200,000	8,800	8,300	7,800	7,700	6,500
250,000	9,400	-	-	8,300	-
300,000	9,900	9,300	8,900	8,800	7,100
350,000	10,500	-	-	9,400	-
400,000	11,000	10,500	-	9,900	-
450,000	11,600	-	-	10,500	-
500,000	12,000	11,500	-	11,000	-
600,000	-	12,500	-	-	-
700,000	-	13,500	-	-	-

Code 320 Commercial pickup

Sum insured	Viriyah Insurance 2+	Bangkok Insurance 2+	Indara Insurance 2+	Viriyah Insurance 3+	Indara Insurance 3+
50,000	-	-	6,500	-	5,300
100,000	7,500	7,300	6,800	6,600	5,900
150,000	8,700	-	-	7,300	-
200,000	9,900	8,300	7,800	7,700	6,500
250,000	10,400	-	-	8,300	-
300,000	10,900	9,300	8,900	8,800	7,100
350,000	11,500	-	-	9,400	-
400,000	12,000	10,500	-	9,900	-
450,000	12,600	-	-	10,500	-
500,000	13,100	11,500	-	11,000	-
600,000	-	12,500	-	-	-
700,000	-	13,500	-	-	-

Frequently asked questions

What is the difference between 2+ and 3+?

Both repair your car after a collision with a land vehicle when the other party is known, and pay the other party. Usually 2+ adds theft and fire and 3+ does not, but some 3+ plans in these tables list theft and fire. Confirm in your quote.

How much is class 2+?

For a private car (code 110) with 100,000 THB sum insured, from 5,900 THB a year (Indara). At 500,000 THB it is 11,500 to 12,000 THB depending on the insurer.

Does 2+ or 3+ cover floods?

In these tables only Bangkok Insurance class 2+ covers natural disasters, up to 100,000 THB per event.

Are these the final prices?

They come from premium tables dated 9 Nov 2026 and are for comparison. Ask LINE @insurefriend for a real quote.

Do I need to enter personal data?

No. The app runs in your browser and sends nothing.

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