What is car insurance type 1 in Thailand?
Car insurance type 1 (also known as comprehensive car insurance) is the highest tier of voluntary motor protection available in Thailand. It provides a broad scope of coverage that includes repair costs for the insured vehicle regardless of whether a third-party is involved, making it unique compared to other insurance classes. A type 1 policy typically covers major risks such as road accidents, theft, fire, and natural disasters like flooding. For drivers seeking total financial security, Type 1 is the definitive choice as it protects against almost all damages to your own car, third-party property, and bodily injuries.
Why choose Roojai for type 1 car insurance?
With Roojai, car insurance is simple, affordable, and reliable. Here’s what sets us apart:
- Save up to 30% compared to traditional insurers
- 0% instalment payment options for up to 12 months
- 100% money-back guarantee if you find a cheaper plan
- 10% discount on your premium if you have a dashcam
- Fast claims through the Roojai Mobile App
- 24/7 roadside assistance anywhere in Thailand
We focus on giving drivers flexible payments, reliable service, and digital convenience.
Monthly instalments
by debit or credit card
Easily claim using
Roojai Mobile App
100% money
back garantee
10% discount
if you have a dashcam
Roojai's benefits you can't miss
Unlike many insurers, Roojai goes beyond standard coverage by adding extra value to every policy:
- Fully digital: From buying to claiming, everything is done online or through the Roojai app.
- Roojai Rewards program: Refer friends and earn points for special rewards.
- Customer-first service: Our call center and roadside team are available 24/7 in Thai and English.
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Customer Reviews
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" staff polite and efficient..some tecnical issues with inspection app..if i ever have to make a claim i hope the process goes more smoothly than purchasing the insurance coverage "
Ian Raskall
" I am very satisfied with Roojai. That's why I have had three vehicles insured with Roojai. The prices are very competitive and the staff are very friendly and efficient. Thank you Roojai. "
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" Awesome company! Finally, great insurance service is here, flawless UX. I hope I wouldn't need any claims but the feedback I read online are also great. "
Yuriy Braterskyy
What does car insurance type 1 cover?
Type 1 car insurance provides the most extensive protection in Thailand, covering damages from car accidents, whether caused by a third-party or not, as well as bodily injuries. This voluntary policy ensures financial security against a wide range of risks, including road collisions, theft, fire, and natural disasters like flooding, regardless of who is at fault.
Please read our policy wording for more type 1 policy coverage details.
Coverage for damage to the vehicle
Own damages caused by a collision without third-party
A car insurance type 1 policy covers damages to your vehicle from a road accident that does not involve a third-party during the insurance period. This includes specified additional accessories and equipment, as well as any repairs needed due to the accident.
Limits of liability are equal to the sum insured.
Own damages – collision with third-party
A car insurance type 1 policy covers financial losses if you are involved in a road accident with a third-party during the insurance period, regardless of fault. This includes specified additional accessories and equipment, and any repairs needed due to the accident.
Limits of liability are equal to the sum insured.
Damages to the windscreen
Car insurance type 1 covers damages to the windscreen and windows, including chips and cracks, and the repair or replacement of the windshield, side windows, and rear window.
Limits of liability are equal to the sum insured.
Towing service
Car insurance type 1 includes 24/7 towing service. This service covers moving your vehicle to a safe place, repair garage or service centre, and includes labour charges for loading and unloading your car.
Limits of liability are equal to 20% of repair cost.
Coverage for theft, fire, and natural disaster
Theft
Car insurance type 1 covers your vehicle against theft, robbery, gang robbery, or embezzlement during the insurance period. Our claim adjusters determine your vehicle’s value based on its age, brand, model, and normal wear and tear. This coverage also includes any specified upgrades, accessories, or equipment.
Limits of liability are equal to the sum insured.
Fire
Car insurance type 1 covers fire damages to your vehicle during the insurance period, whether the vehicle is partially or significantly damaged.
Limits of liability are equal to the sum insured.
Natural disaster, including flood
Car insurance type 1 covers damages to your vehicle caused by natural disasters such as earthquakes and floods during the insurance period. This includes compensation for repair costs and any specified additional accessories, upgrades, and equipment.
Limits of liability are equal to the sum insured.
Third-party liability coverage
Liability for third-party property damages
Car insurance type 1 compensates for damages caused to third-party property during the insurance period if the insured is legally responsible.
Limits of liability do not exceed THB 5,000,000 per occurrence.
Liability for third-party bodily injuries and loss of life
Car insurance type 1 covers medical expenses for bodily injuries or loss of life of a third-party caused by the insured in a car accident during the insurance 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 1 covers actual and reasonable medical expenses for all parties involved in a car accident while in, entering, or exiting the vehicle. This includes surgeries, doctor fees, prescription drugs, and other hospital services, up to the policy limits.
Limits of liability are adjustable, but not exceeding THB 500,000 per person.
Personal accident coverage
Car insurance type 1 provides coverage for bodily injuries of the insured person(s) in the event of an accident. This includes loss of body parts, bodily injuries, loss of vision, permanent disability, temporary disability, and loss of life. The compensation amount depends on the severity of the injury and the specified policy limits.
Limits of liability are adjustable, but not exceeding THB 500,000 per person.
Bail bond coverage
Car insurance type 1 compensates for the costs of legal representation and bail if necessary. If the insured is involved in a car accident resulting in injury, damage to a third party, or loss of life, they may be detained by police investigators for pending proceedings.
Limits of liability are specified in the policy document.
Which driver plans are available for type 1 insurance?
Roojai offers four driver plans to help lower your car insurance premium. You can choose a plan that specifies who will drive your car or a more flexible plan that allows multiple drivers. More flexible plans cost more but ensure coverage even if others drive 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
Does Roojai offer comprehensive type 1 for EVs?
Yes, Roojai Insurance offers comprehensive type 1 EV insurance designed specifically for electric vehicles. It provides the same wide-ranging cover as standard car insurance, plus extra protection for EV-specific parts like the battery and electrical systems.
For full details of coverage, benefits, and exclusions, please visit EV insurance page.
What are the car garage repair options included in comprehensive car insurance?
Roojai offers two main options for repairing your vehicle under a type 1 insurance policy:
-
Preferred garages: Roojai has partnered with over 500 trusted car repair garages across Thailand. These preferred garages provide high-quality repairs and excellent service at a lower cost. You can find a nearby preferred garage through Roojai’s network.
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Dealer garages: Roojai also has relationships with many official dealer garages for various car brands. This ensures that your vehicle can be repaired by specialists who are familiar with your car’s make and model.
How much does car insurance type 1 cost in Thailand?
According to Roojai Insurance customer data, type 1 premiums averaged THB 9,690* in Q1 2026. The cost of Type 1 car insurance in Thailand can vary significantly depending on the vehicle’s market value, the driver’s age, and their claims history. Factors such as the car’s make and model, engine size, and the inclusion of a voluntary deductible can substantially lower or raise the final price. Additionally, drivers can reduce their costs by earning a No Claims Bonus (NCB) or by installing a dashcam to qualify for a 10% discount on the base premium.
*Premiums are based on policies purchased directly through the Roojai website and may vary depending on individual circumstances.
Average full-coverage type 1 car insurance premiums by region
THB 9,000 Central
THB 10,500 Northeastern
THB 9,300 Eastern
THB 10,100 Western
THB 9,300 Southern
THB 9,800
*Roojai customer insurance premium data (2025–Apr 2026)
| Central | THB 9,000 |
| Eastern | THB 10,500 |
| Northeastern | THB 9,300 |
| Northen | THB 10,100 |
| Southern | THB 9,300 |
| Western | THB 9,800 |
*Roojai customer insurance premium data (202-Apr 2026)
Why do type 1 car insurance premium vary by region?
The cost of type 1 car insurance varies across different regions in Thailand, as the company assess local risk levels when calculating premiums. Key factors include:
- Traffic density
Areas with heavy traffic typically have a higher risk of accidents (rear-end or scrape collisions), leading to higher premiums. - Accident and claims rates
Regions with frequent accidents or high claim volumes, such as popular tourist destinations, often have higher premiums as the likelihood of claims is greater, leading to increased costs for the insurance company. - Natural disaster risks
Areas prone to flooding or storms, particularly around the Chao Phraya River or in the southern regions, may see higher premiums due to increased environmental risks. - Repair costs and garage networks
Regions far from the Bangkok Metropolitan Area with fewer repair centres or authorised garages may face higher claim costs, which can raise insurance premiums. - Driving behaviour and usage
High-traffic cities and tourist areas, where vehicles are used more intensively, generally present greater risk compared to rural areas with lighter usage.
How can I get cheaper car insurance type 1 premium?
To get cheaper comprehensive car insurance, consider choosing a policy with excess. An excess is the amount you pay out-of-pocket when making an insurance claim if you are at fault or no third-party is identified.
For example, if you choose a policy with a THB 3,000 excess, here are some scenarios to illustrate:
- At-fault accident: If repair costs are THB 25,000, you pay THB 3,000, and the insurance covers the remaining THB 22,000.
- No third-party involved: If repair costs are THB 2,000, you pay the full amount since it is less than your excess.
- Third-party at fault: If repair costs are THB 40,000, the insurance covers the full amount, and you pay nothing.
Opting for a policy with excess can lower your insurance premiums. For instance, a policy with a THB 3,000 excess can lower your premium from THB 12,000 to THB 10,000. However, if you make a claim, you might pay more overall. For example, you save THB 2,000 on the premium but pay THB 3,000 for repairs, resulting in an extra cost of THB 1,000.
Choosing the right excess amount depends on your personal circumstances, financial capacity, and comfort with risk. There is no right or wrong answer; it’s about what works best for you.
Tips for buying car insurance type 1 in Thailand
- Assess your coverage needs: Consider the level of protection you require. Car insurance type 1 offers the most comprehensive protection, covering a wide range of expenses in the event of an accident. While this type of insurance provides extensive protection, it also comes with higher premiums.
- Customise your policy: Tailor your insurance policy to fit your specific needs and circumstances. For instance, if you are the only driver, you can reduce your premium by choosing the "Named Driver Plan".
- Install a dashcam: Installing a dashcam can earn you an additional discount on your premium.
- Be transparent: Always provide accurate information about your driving history, accidents, and other relevant details. Failing to do so can result in denied claims.
Car insurance type 1 frequently asked questions
Who is suitable for car insurance type 1?
Type 1 car insurance is ideal for drivers who prioritise maximum financial protection and comprehensive peace of mind. It is specifically recommended for owners of new or high-value vehicles, as it covers the full market value of the car. Additionally, this policy is a smart choice for younger drivers or less experienced drivers who face higher statistical risks on the road, as well as frequent long-distance travelers. By choosing type 1, you ensure that both own-damage and third-party liabilities are covered under almost any circumstance.
What are the requirements to buy car insurance type 1 with Roojai?
- Drivers aged 20-75 with a valid driver’s licence (2+ years of driving experience is required in some cases).
- Driver’s licence has never been revoked.
- No more than 3 at-fault insurance claims in the past 12 months.
- Vehicle must be registered in Thailand.
How to buy car insurance type 1 with Roojai?
Purchasing your type 1 car insurance with Roojai is quick and easy—you can complete it in just 5 minutes. Start by getting a free, instant quote, then customise your insurance coverage to fit your needs. Complete the payment online, and you’ll receive an email confirmation shortly after. Choose between an instant e-policy or have physical documents mailed to you within 7-14 working days. Depending on your policy, you may need to complete a video car inspection or an in-person survey.
How to pay for car insurance type 1 with Roojai?
You can pay for your type 1 car insurance policy with credit or debit cards, PromptPay, Line Pay, TrueMoney, and online banking*. You can also renew your insurance policy online anytime.
How to make a car insurance claim with Roojai?
Filing a car insurance claim is simple and convenient. Choose the option that works best for you:
- Submit a video claim instantly via Roojai Mobile App.
- Call our claims hotline at 02 080 9194.
What is the Roojai Mobile App and how to use it?
The Roojai Mobile App is designed to make your life easier and your road trips safer. In case of an accident, you can submit claims via video call, track the real-time location of our Roojai surveyors, and complete a car inspection from your phone.
Download the Roojai Mobile App today and experience the convenience of:
- Schedule inspections and submit insurance claims confidently with our 4.7/5 rated claim service.
- Track surveyors’ journey to your location if an in-person survey is needed.
- Locate the nearest repair garage from our network of over 1,600 options.
- Access policy documents and manage renewals.
- Call for 24/7 roadside assistance.
- Redeem Roojai Rewards and refer friends for more bonuses.
Get the Roojai Mobile App now to simplify your insurance experience and enjoy the peace of mind that comes with outstanding service.
How to contact Roojai?
- For assistance in English (checking prices, purchasing insurance, or general enquiries), call 02 080 9196.
- To report a road accident, call 02 080 9194 or use the Roojai Mobile App.
- You can also contact us through the message form anytime.
Definitions:
| Windscreen damage | Damage to the windscreen or windshield of a vehicle, typically caused by flying objects, hail, or accidents. |
| Third-party | Any person or entity other than the insured and the insurer. In car insurance, it refers to other people or property involved in an accident. |
| Limits of liability | The maximum amount an insurance company will pay for a covered loss. |
| Towing services | Assistance provided to move a vehicle to a safe location if it breaks down or is involved in an accident. |
| At-fault accident | An accident where you are considered responsible for the damages. |
Helpful car insurance guides
- Understanding loss of use in car insurance
- 9 exclusions that could deny your car insurance claim
- What are car insurance groups?
*Our policy terms and conditions apply.
Updated Date 28th May 2026
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What our claim expert says
"Heavy traffic in major cities increases accident risk, leading to more claims and higher car insurance premiums. In some provincial or tourist areas, accidents happen less often but are often more severe, resulting in higher costs per claim. Factors like flood risk and local repair costs also affect premium calculations.
To manage costs, drivers should practise safe driving, park in secure areas, and choose insurance that matches their usage. Driving behaviour plays a significant role in long-term insurance premiums."
Kumphaphan Kumkaew
Head of Claims