Voluntary car insurance is optional coverage you can choose based on your needs.
It's different from the compulsory insurance (CMI) required by law. This type of insurance gives you extra protection—like repair costs, medical expenses, and coverage for damage to third parties.
Why Buy Car Insurance with Shield Insurance Broker?
We give you more than just coverage, but we offer "Peace of Mind" from purchase to claim.
0% cash installments, up to 10 months
Get great-value premiums you can pay comfortably. No credit card needed and no upfront lump sum.
Expert guidance whenever you need it
With over 5,000 specialists and 1,900 branches nationwide.
Claim while you're still paying
Start your coverage immediately, once you make your first installment.
Compare premiums from leading insurers in one place.
No more jumping between websites, we gather offers from top insurance companies so you can compare everything easily, right here.
24/7 emergency coordination
Problem arising? Call us 24/7. Remember one number 1501. We coordinate everything for you, never leaving you alone.
Roadside assistance from all partner insurers
Every insurer includes 24/7 roadside support for all types of emergencies.
Trusted repair network
Choose from a wide network of authorized service centers or quality partner garages, all with reliable standards.
Add-on coverage package
Enhance your protection with motor add-ons from any insurer and any coverage level.
Complete coverage for both you and your car
From collisions, theft, fire, and floods to protection for drivers, passengers, and third parties—you’re fully covered for every journey.
What Is Voluntary Car Insurance?
Voluntary car insurance is optional coverage you can choose based on your needs.
It's different from the compulsory insurance (CMI) required by law. This type of insurance gives you extra protection—like repair costs, medical expenses, and coverage for damage to third parties.
Which Type of Car Insurance
Is Right for You?
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Which Type of Car Insurance
Is Right for You?
Type 1 Car Insurance
For drivers who want full, worry-free protection
A car that's newly purchased or still in excellent condition
Daily driving or frequent long-distance trips
Type 2+ Car Insurance
For confident drivers who still want solid protection
A car that's older than 7 years but still well-maintained
Confident with familiar routes and daily driving
Wants coverage close to Type 1, but at a more affordable price (covers your car, the other car, theft, and fire)
Type 2 Car Insurance
For experienced drivers who focus on third-party protection
A car older than 10 years where minor scratches aren't a big concern
Very confident in driving skills after many years on the road
Wants a manageable premium while still getting protection for theft, fire, and third-party damage
Type 3+ Car Insurance
For light drivers who want essential protection at a great value
An older, beloved car you still want to care for
Mostly short, nearby trips with careful driving
Wants the lowest premium while still covering both cars (only in car-to-car accidents)
Type 3 Car Insurance
For budget-focused drivers who want simple third-party coverage
Rarely used cars or backup vehicles
Very cautious drivers who want the lowest premium possible
Only needs protection for third-party repair costs if you're at fault
Compare Car Insurance Types and Find Your Best Match
Discover the best value, and choose the coverage that truly matches your drive.
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Coverage
Collision coverage
Accidents with any object / single-vehicle accidents
Accidents involving a third party
People inside the vehicle
Medical expenses, disability, or death
Third-party liability
Liability for bodily injury and property damage
Own Car
Loss due to theft
Fire damage
Flood damage
Natural disasters
Other accidents
e.g. stone chips (Type 1 only) , overturning
driving off the road (not from a vehicle collision)
(Types 1,2+,3+)e.g. stone chips
(Type 1 only),
overturning, driving off the road
(not from a vehicle
collision) (Types
1, 2+, 3+)
0% cash installment option
Starting price (THB)
Add-on Insurance
Additional compensation for travel, income, stolen car damage
Best Value
10 Months
7,500**
*
*
*
6 Months
5,470
6 Months
3,700
*
*
*
6 Months
5,264
3 Months
1,850
* Only for insurance plans with coverage
** The starting price is for plans with deductibles, except in the case of a car-to-car collision where the other party can be identified.
Contact Call Center 1501 press 2 or Facebook 24/7.
Type 1 Covers third-party repair when at fault, own car repair including no-fault, plus theft and fire.
Type 2+ Third-party when at fault; own car repair for car-to-car only*; theft and fire.
Type 2 Third-party only when at fault; theft and fire.
Type 3+ Third-party when at fault; own car for car-to-car only*.
Type 3 Third-party only when at fault.
* Car-to-car means vehicles powered by fuel/gas/oil/electricity. Bicycles (non-electric) are not covered.
If you buy with Shield Insurance Broker you will receive a policy copy within 30 working days. Contact Call Center 1501 or Facebook Shield Insurance Broker 24/7.
We support you from purchase to claim.
Licensed staff give accurate advice
Wide choice of leading insurers
Cash installment 0% up to 10 months, no credit card needed
After notifying the insurer and filing a police report, claims follow your policy.
Type 1: Your car is covered whether or not the other party is identified.
Type 2+: Covered for car-to-car if you can provide the other vehicle’s registration number.
Type 3+: Same as Type 2+.
Type 3: Only third-party damage; you pay for your own repair. Emergency assistance is available.
For claim help, call 1501 press 1 or Facebook Shield Insurance Broker 24/7.
Payment channels
Ngern Tid Loh branches nationwide
QR Code
Counter service
Lotus stores
Branch, ATM, or online via Internet Banking (7 banks) and Mobile Banking (12 banks)
Tidloh app
Excess is the compulsory first loss (e.g. 1,000 Baht) you pay in certain cases (e.g. non-collision or when the other party cannot be identified), even for Type 1.
Deductible is the first loss you pay when you want to repair your own car (e.g. when at fault or when the other party is unknown), as stated in the policy.
When purchasing car insurance only (cash installments, no credit card required)
Type 1: Eligible for 0% cash installments for up to 10 months
Type 2+, 2, and 3+: Eligible for 0% cash installments for up to 6 months
Type 3: Eligible for 0% cash installments for up to 3 months
When purchasing car insurance together with personal accident insurance from Bangkok Insurance Public Company Limited
Type 1: Eligible for 0% cash installments for up to 10 months
Type 2+, 2, and 3+: Eligible for 0% cash installments for up to 8 months
Type 3: Eligible for 0% cash installments for up to 6 months
Credit Card Installment Option
For any insurance product, premiums can be paid via Krungsri credit card with 0% installments for up to 3 months, applicable to policies with a starting premium of 3,000 THB per policy, subject to the credit card issuer's terms and conditions.
Premium rates vary depending on the vehicle's brand, model, age, and sum insured, as determined by each insurer
Type 1 car insurance covers vehicle damage caused by floods and natural disasters, subject to the insurer's terms and conditions
Coverage is subject to each insurer's terms and conditions. Buyers should carefully review the coverage details and policy conditions before making any decision
