What is type 3+ motorcycle insurance?
Type 3+ motorcycle insurance is a budget-friendly insurance option that offers essential protection for motorbike and big bike riders in Thailand. It provides coverage for third-party liabilities and includes limited protection for your own motorcycle or big bike if it’s involved in a collision with an identified third-party vehicle. While it doesn’t offer the full benefits of type 1 or type 2+ insurance, type 3+ is a smart choice for experienced riders looking for affordable coverage that still includes accident protection and legal liability cover.
Where to find the best type 3+ motorcycle insurance in Thailand?
If you’re looking for the best type 3+ insurance for motorcycle in Thailand, make sure you get reliable protection at the best value – especially if you ride a motorbike or big bike regularly. With Roojai, you can enjoy:
- motorcycle repair shops: Access a wide network of approved and reliable repair shops for your motorbike or big bike across Thailand.
- Quick accident response: In the event of a road accident, our support team will reach you within 30 minutes to assist and guide you through the claims process.
- Excellent claim reviews: With a 4.7/5 average rating from riders like you, our claim experts are committed to helping you every step of the way.
- Roojai Mobile App: Manage your motorbike insurance policy, upload inspection photos, and file video claims quickly and easily - all from your smartphone.
- Customisable coverage: Choose a policy that fits your riding habits. Whether you're a daily commuter or an occasional weekend rider, type 3+ motorcycle insurance offers essential protection without overpaying for extras you don’t need.
- Flexible payment plans: Pay your premium in up to 10 monthly instalments using debit/credit cards, QR code payments, or other convenient digital methods.
Coverage Details of Motorcycle Insurance Type 3+
Own damage to your motorcycle
Accidental damage cover - Collision with a third-party vehicle
If your motorbike is damaged due to a collision with an identified third-party during the policy period, the company will cover the repair costs.
Limits of liability : up to ฿100,000 per time.
Liability for a third-party
Liability for a third-party property damage
If your motorbike causes damage to a third-party property during the policy period, the company will cover the costs that you are legally responsible for.
Limits of liability : up to ฿600,000 per time.
Liability for a third-party bodily injury or death
If your motorbike causes harm to a third-party’s life or health during the policy period, the company will cover the costs that you are legally responsible for.
Limits of liability : up to ฿300,000 per person and ฿10,000,000 per time.
Additional coverage
If you are injured in a motorbike accident, the company will cover medical expenses, including service fees for medical treatment, surgeries, and other related services.
Limits of liability: adjustable, up to ฿200,000 per person.
If your motorbike caused an accident, the company will cover the compensation for death, permanent loss of hands or vision, and permanent disability to the rider and passengers.
Limits of liability: adjustable, up to ฿200,000 per person.
Bail bond
In the event of an accident, the insured may be detained by police for pending investigations, the company will cover the costs of bail if necessary.
Limits of liability : as specified in the policy.
Quickly report a claim through Roojai mobile app
Guaranteed 30-min arrival at the accident scene
Access our preferred repair garages nationwide
Pay by monthly instalments via debit or credit card
Tips when buying type 3+ motorbike insurance
- Understand your coverage - Ensure you know what is included in type 3+ insurance, such as own damages to your vehicle and third-party liability.
- Assess your needs - Evaluate your bike’s value, riding habits, and your budget to select the appropriate level of coverage.
- Choose the e-policy - Opt for the e-policy to receive your motorcycle policy documents instantly via email. This is especially beneficial for motorcyclists in Thailand, providing immediate access to your documents.
- Utilise the Roojai Mobile App - The app allows you to file claims instantly, upload inspection photos if needed, review all your policy details, and redeem your Roojai Rewards.
Q&A for type 3+ motorcycle insurance
Who should consider getting the type 3+ motorcycle insurance in Thailand?
Type 3+ motorcycle insurance in Thailand provides affordable coverage for third-party damage and some protection for your own vehicle in case of accidents. It's perfect for riders with older bikes who need basic yet valuable protection.
What are the benefits of choosing type 3+ motorcycle insurance with Roojai?
Roojai offers type 3+ insurance with competitive insurance premiums, an extensive network of garages nationwide, fast claims service, and convenient digital tools, making it an excellent value option for everyday riders.
How much does type 3+ motorcycle insurance cost in Thailand?
Premiums typically range from ฿1,000 to ฿10,000 per year, depending on your bike model, usage, and insurer. Roojai provides budget-friendly options with transparent pricing, typically starting from ฿1,748.
What promotions are available for Roojai motorcycle insurance type 3+?
Take advantage of our referral rewards! Earn ฿400 in Roojai Rewards when your referred friends purchase an insurance policy with Roojai. Plus, each friend you refer will receive an additional ฿100 in Roojai Rewards. Redeem your Roojai Rewards for a variety of special gifts, including TrueMoney digital wallet credits, seasonal kangaroo dolls, and more.
How can I buy type 3+ motorbike insurance online with Roojai?
Get instant motorbike insurance quotes and complete your purchase online in just a few minutes. Buy motorcycle insurance type 3+ and customise your coverage plan to perfectly match your needs. Your coverage will begin as soon as your payment is processed. We will send your documents within 14 working days, or immediately if you opt for an e-policy. Occasionally, we may need to conduct an in-person or photo inspection of your motorcycle before coverage starts.
What payment methods does Roojai accept for type 3+ motorcycle insurance?
Effortlessly buy or renew your insurance online anytime. Enjoy a smooth payment process with options like credit card, debit card, PromptPay, Line Pay, TrueMoney, or online banking.
How do I file a type 3+ motorcycle insurance claim with Roojai?
You can report a type 3+ motorbike insurance claim via the Roojai Mobile App or our claim hotline at 02 080 9196.
What is covered for repairs under the type 3+ motorcycle insurance with Roojai?
Type 3+ covers your bike’s damage from collisions with vehicles, third-party liability, and may include towing and roadside assistance depending on the policy.
How do I use the Roojai Mobile App with my motorcycle insurance policy?
Travel safely with the Roojai Mobile App. Easily file motorcycle insurance claims via video call and track the real-time location of the Roojai surveyor if an in-person inspection is needed. Manage and renew policies, access documents, refer friends, redeem Roojai Rewards, and more.
Android iOSHow can I contact Roojai for support?
You can contact Roojai via our customer service at 02 080 9196 or report an accident at 02 080 9194 or Roojai Mobile App.
Definitions
| Legal liability | The responsibility to pay for harm or damage caused by one's actions or inactions. |
| Daily commuter | A motorcycle rider who is typically traveling to and from work or navigating city traffic |
| Identified third-party | Another person or vehicle involved in the accident whose identity (such as name, licence plate, or contact details) is clearly known and can be verified. |
Terms and conditions apply
Updated Date 1st September 2025