Motor Insurance Type 2+
(Voluntary Class 2+)

1. Third-Party Liability Coverage

Protects you if you're legally liable for harming someone else or their property:

• Damage to life, body, or health of third parties
• Damage to third-party property

2. Own Vehicle Collision Coverage

If your car collides with another land vehicle, Type 2+ covers:

• Repair costs for your own vehicle
• Vehicle handling and transportation after the accident

3. Loss or Fire Coverage

If your car is stolen or damaged by fire, Type 2+ covers:

• Compensation for the loss or fire damage
• Related handling and transportation costs

4. Additional Benefits

• Personal accident coverage for the driver and passengers
• Medical expenses for injuries sustained in an accident
• Bail bond to secure the driver's release if detained after an accident

Type 2+ premiums from Tokio Marine Safety Insurance (Thailand) PCL

start at 6,200 THB per year. Your exact premium depends on:

• Vehicle type — passenger car, van, or pickup truck

• Sum insured — your chosen coverage amount

• Vehicle size — number of seats and cargo weight

• Usage — personal or commercial

• Deductible — opting for a deductible can lower your premium

Third-Party Property Damage Exclusions

• Family & driver belongings — property owned or controlled by the insured, the liable driver, or their spouse, parents, or children

• Infrastructure damage — weighing scales, bridges, roads, runways, or similar structures damaged by vehicle weight or vibration

• Transported cargo — baggage or goods being loaded, unloaded, or carried by the vehicle

• Hazardous cargo leakage — unless the leak results directly from an accident, or involves the vehicle's own fuel/gas

General Exclusions

• Driving outside the policy's territorial coverage area

• Illegal use of the vehicle (e.g. robbery, theft, drug trafficking)

• Racing or speed competitions

• Towing or pushing another vehicle (unless that vehicle is also insured, designed for towing, or has a linked braking system)

• Liability assumed under a separate contract that wouldn't otherwise apply

• Driving under the influence — BAC of 50 mg% or higher (standard drivers); 20 mg% or higher for drivers under 20, temporary license holders, or unlicensed drivers

• Refusing an alcohol test after an accident

• Driving without a valid license, or with a revoked/disqualified license

Fire & Theft Exclusions

• Embezzlement or breach of trust by someone holding the vehicle under lease, hire-purchase, or pledge

• Loss occurring outside the territorial coverage area

Own Vehicle Damage Exclusions (Endorsement R.Y.P. 10)

• Normal depreciation, wear, and tear

• Mechanical or electrical failure not caused by an accident

• Damage from overloading or exceeding legal passenger capacity (not accident-related)

• Tire damage from tearing or blowouts, unless other parts are also damaged in the same accident

• Loss of use — unless caused by unreasonable repair delays