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Happy D
Happy D, a 3rd class motor insurance coverage for third party liabilities designed to provide financial protection in the event of an accident. This 3rd class motor insurance covers medical expenses for the driver and passengers up to 50,000 Baht, ensuring that any necessary medical treatment can be accessed without undue financial burden. Additionally, the policy includes a bail bond, offering crucial support in the event of legal proceedings arising from an accident. With premiums starting at an affordable 1,950 Baht, Happy D offers peace of mind and security on the road.
Key features
Premium starts from 1,950 Baht.
Coverage for third party liabilities.
Medical expenses coverage of up to 50,000 Baht for driver and passenger.
Inclusive of bail bond insurance for up to 100,000 Baht.
Plan details
- Personal accident protection against permanent disability for up to 100,000 Baht.
Coverage | Limits (Baht) | |||
|---|---|---|---|---|
Third Party Liability | ||||
| Third Party Bodily Injury | 500,000 Baht/Person | |||
20,000,000 Baht/Accident | ||||
| Third Party Property Damage | 600,000 Baht/Accident | |||
Additional coverage | ||||
| Vehicle Code | Saloon 110 | Saloon 120 | Van 210 | Pick up 320 |
Personal Accident (Baht/Person) | 100,000 (7 Seats) | 100,000 (7 Seats) | 100,000 (5 Seats) | 100,000 (3 Seats) |
Medical Expenses (Baht/Person) | 50,000 (7 Seats) | 50,000 (7 Seats) | 50,000 (5 Seats) | 50,000 (3 Seats) |
Bail Bond (Baht/Accident) | 100,000 | 100,000 | 100,000 | 100,000 |
- Applicable for saloon not over 7 seats (110, 120), van not over 20 seats (210) , pick-up not over 4 tonnes (320).
- Applicable for legally registered vehicle for private use or commercial use. (not for hire, public transport, rental, or registered as R.Y.18).
- Applicable for vehicles aged not over 30 years.
- Premium includes CCTV discount.
- Not applicable for any imported cars, sport cars, racing cars, supercars, Group 1 vehicles, or Battery Electric Vehicles (BEV).
- Not applicable for modified, lowered, lifted vehicles, reinforced suspension vehicles, pick-ups with special equipment such as steel frames, roofs, cages, fences, truck bed cover or canopy, or cargo box.
- Not applicable for vehicles used for the purpose of carrying goods or any logistics transportation, parcel delivery, e-commerce, or online business delivery, (etc.).
- Premium rate excludes vehicles transporting high-risk goods (e.g. fuel, acids, gas).
- Effective from 1 January 2026 until further notice.
MSIG Contact Centre
Tel: 02 007 9000
Email: Click here
Monday – Friday (8.30 a.m. – 9.00 p.m.), Saturday (9.00 a.m. – 6.30 p.m.)
(Except Sunday and Official Holidays)
