Voluntary Car Insurance Type 2+ in Thailand

Get a free car insurance quote online and save up to 30% on your insurance premium. We provide a hassle-free insurance claim process, further proven with our 4.7/5 claim satisfaction score and choice to repair your vehicle in any of our 1600+ car repair garages and centers across Thailand.

Make an insurance claim easily 24/7 via Roojai’s mobile app

Where can you buy the best car insurance type 2+?

With Roojai you can save time and money for things you enjoy! Easily customise your auto insurance policy, add extra features such as roadside assistance or vehicle replacement, and apply a 10% discount for an installed dashcam. You can pay your insurance premium in full or in 10 monthly instalments with a debit/credit card, PromptPay, or other convenient payment methods. Conduct a remote car inspection or file a video car insurance claim through the Roojai mobile app, our agents are glad to help and provide the highest quality of service with a 4.9/5 customer satisfaction rating.

What is car insurance type 2+?

Car insurance type 2+ is a voluntary car insurance that provides comprehensive insurance coverage for your vehicle and is very affordable compared to car insurance type 1. Car insurance type 2+ is a good option for drivers who want to protect themselves and their vehicles from financial losses in case of a road accident with a third party. This insurance policy has exclusions, nevertheless, it is considered the most cost-effective auto insurance policy.


What does car insurance type 2+ cover?

Car insurance type 2+ offers comprehensive coverage for your automobile. Roojai will help car enthusiasts in case of car thefts, fire, flood, collision with a third party, and towing services. Additional coverage includes medical expenses, personal accident, and bail bond coverage.

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 damages to the vehicle caused by a collision with a third party within the policy period. It includes specified additional accessories, and equipment, and any repairs for car accident damages.

Limits of liability are equal to the sum insured.

Towing service

Car insurance type 2+ covers 24/7 towing services for your vehicle within the policy period, including loading and unloading your vehicle, and transport to a car repair center or repair garage.

Limits of liability are equal to 20% of repair cost.

Coverage for theft, fire, and natural disasters

Theft

A car insurance type 2+ policy will cover your vehicle within the policy period in case of damages caused by theft, robbery, gang robbery, or embezzlement. Roojai’s claim adjusters will use age, brand, model, and any damage caused by normal wear and tear to determine the fair market value of your motor vehicle. 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 within 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 within the policy period. However, if your vehicle is damaged by any other natural disaster, such as an earthquake, hail, or typhoon, Roojai will not cover it.

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 within the policy period.

Limits of liability are not exceeding ฿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 within the policy period.

Limits of liability are adjustable, but not exceeding ฿5,000,000 per person and ฿10,000,000 per occurrence.

Additional coverage

Medical expenses

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 ฿500,000 per person.

Personal accident coverage

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 ฿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 within the policy period.

Limits of liability are specified in the policy document.

Is excess insurance worth it for car insurance type 2+?

An excess is the amount of money you must pay yourself before getting compensation from the insurance provider if you are at fault in an accident. You can significantly reduce your premium if you choose a car insurance type 2+ policy with an excess. If you are at fault in an accident and make a car insurance claim, you pay for your vehicle’s repair costs up to the excess amount. The insurance company will spend the rest of the repair costs. Suppose you are not at fault in a road accident. In that case, the excess will not apply, and you will get compensated actual amount, not exceeding the sum insured.

How does excess insurance work?

For example, you buy an insurance policy with an excess of ฿2,000.

  • You are at fault in an accident and make an insurance claim. It costs ฿30,000 to repair your vehicle. You pay ฿2,000, and Roojai pays the rest (฿28,000).
  • You are in a car accident where the third party is at fault, you make a claim, and it costs ฿30,000 to repair your vehicle. Your excess does not apply since you are not at fault. Roojai pays for all your repair costs (฿30,000). You do not pay anything.

If you are confident in your driving skills and unlikely to file a claim, you will save a lot by paying excess.

However, if you choose an insurance policy with excess and make one or more insurance claims. In that case, you may end up paying more, as in this example:

  • The premium of a policy with an excess of ฿3,000 is ฿11,000.
  • The insurance premium for the same policy without excess is ฿13,000.
  • You choose insurance policy with an excess of ฿3,000 and save up ฿2,000.
  • You make an at fault claim during the insurance period and it costs ฿30,000 to repair your car. You pay ฿3,000 and Roojai pays the rest (฿27,000).
  • Totally you have paid ฿1,000 more by choosing to pay excess ( paying ฿3,000 for car repair, but saving up ฿2,000 on your automobile insurance premium).

We recommend you to carefully consider whether you choose car insurance type 2+ with an excess or without.

What are the repair plans available for car insurance type 2+?

Roojai offers 2 repair plans for vehicles with car insurance type 2+:

  1. Repair at Roojai preferred garages

    Roojai has a network of partner car repair garages in Thailand that offer great service and high-quality repairs at a lower cost than other garages. We guarantee that repairs carried out in the preferred garages are of the highest quality and give you 12-month warranty.

  2. Repair at dealer garages

    Roojai has partnered with trusted dealer garages to provide car enthusiasts with a convenient and reliable automobile repair experience. If you choose to repair your vehicle in one of our dealer garages, you can be confident that your car will be repaired to the highest standards, with a 12-month warranty. If you choose to repair your car at a dealer garage, please contact us at least 24 hours in advance. We will make arrangements with the garage to ensure that your auto insurance claim is processed smoothly.

Which driver plans are available for car insurance type 2+?

There are four driver plans available for your car insurance type 2+ with Roojai. By specifying who is eligible to drive your car you can save more on your car insurance premium or you can choose a flexible driver plan that covers more drivers.

  1. Named Driver plan:

    This plan has the lowest car insurance type 2+ premium. You will have to specify a maximum of 4 drivers who will be driving your car. This driver plan will only cover accidents occurring when one of the named drivers is driving your car.

  2. Any Driver 30 years old and more plan:

    This driver plan is slightly more expensive, but it allows anyone aged 30 and older to drive your car and will be covered in case of an accident. You still need to specify the main driver, who will drive the car most of the time. This plan will not cover car accidents when anyone aged under 30 (who is not the main driver) is driving the car.

  3. Any Driver 25 years old and more plan:

    This driver plan is more convenient and covers any driver aged 25 and older in case of an accident. You need to specify the main driver, who will drive the car most of the time. This plan will not cover car accidents if anyone aged under 25 (who is not the main driver) is driving the car.

  4. Any driver plan:

    This plan in your car insurance type 2+ policy will cover all listed in your automobile insurance policy accidents regardless of who is driving the car at the time of the accident. This driver plan is the most flexible and pricy, and you still need to specify the main driver on your auto insurance policy.

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Vehicle Insurance Type 2+ Q & A


Who is suitable for car insurance type 2+?

Car insurance type 2+ is a great choice for experienced drivers with no-claim history because it offers comprehensive coverage without high premium cost. Experienced drivers are considered lower risk, so their automobile insurance premiums will be lower respectively.

In addition, car insurance type 2+ is a good option for people who own a car that is 3 years or older. Older cars are less expensive for maintenance and repairs than new cars.

Why buy car insurance type 2+ with Roojai?

Roojai online car insurance focuses on providing comprehensive coverage and affordable premiums for car owners. A car insurance type 2+ policy is a great way to protect yourself and your vehicle without overpaying. Our customers are delighted with our services based on a 4.9/5 customer satisfaction score. Pay for your premium in monthly instalments by debit or credit card to manage your finances effectively. Customise your insurance plan and get a 10% discount for an installed dashcam, select your policy limits, and add on extra services. Download the Roojai mobile app to get all the perks. With Roojai you can:

What are the requirements to buy car insurance type 2+ with Roojai?

  • Drivers from 20 to 70 years old with a valid driver’s license (in some cases, 2+ years of driving experience is required).
  • No history of a revoked driver’s license.
  • Maximum 2 at-fault vehicle insurance claims in the past 12 months.
  • Vehicle must be registered in Thailand.

How much does car insurance type 2+ cost in Thailand?

Car insurance type 2+ premiums in Thailand can vary significantly depending on your age and driving experience, car model and its age, location, and how often you use your car. Roojai’s insurance premiums for type 2+ are very affordable, in a range from 3,480 THB to 7,217 THB.

How to buy car insurance type 2+ with Roojai?

You can purchase car insurance type 2+ online within a few minutes. Get an instant insurance quote, customise your insurance coverage, policy limits, driver's plan, and repair plan, and conveniently pay with available payment methods. Kindly wait for an email confirmation. You can choose to get an instant e-policy or receive a hard copy within 7-14 working days. In some cases, a remote vehicle inspection is required before the policy becomes effective.

How to pay car insurance type 2+ with Roojai?

You can pay your vehicle insurance premium by 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 will make your life easier and road trips safer! You can conveniently manage, extend your automobile insurance policy, access your insurance documents, refer friends, redeem Roojai Rewards, and more in Roojai mobile app. Roojai is there for you when you need it the most.

Download the Roojai Mobile App today!

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How to make a car insurance claim with Roojai?

Making a claim for your car insurance type 2+ policy with Roojai is easy and convenient! You have two options:

  1. Make an insurance claim instantly through a video call in Roojai mobile app
  2. Call the insurance claim hotline at 02 585 8866

How to contact Roojai?

Please contact English customer service (check price, buy vehicle insurance, general inquiries): 02-5828866

Report a road accident: 02-5828844 or via Roojai mobile app

You can also contact us here

Tips for buying car insurance type 2+

  • Consider your driving experience and the area you live in. If you are a careful driver, you will save a lot by choosing car insurance type 2+.
  • Car insurance type 2+ has extensive coverage. Nevertheless, learn about the exclusions from the policy to understand if the suggested coverage is enough.
  • Customise your automobile insurance policy by choosing a driver's plan and repair plan. Add on extra services like roadside assistance if you tend to drive in locations that are a bit further from car service centers.
  • Download Roojai mobile app for extra convenience and use Roojai rewards to get more bonuses and special gifts!

Definitions:

Be detained It is when someone is prevented from going or doing something by authorities.
Pending proceedings Are legal actions that are still ongoing.
Dashcam Is a dashboard-mounted camera that records video of the road.
Embezzlement Is an act of dishonesty, stealing money or property that has been entrusted.

Our policy terms and conditions apply.

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