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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


key 1

Premium starts from 1,950 Baht.

key 3

Coverage for third party liabilities.

key 4

Medical expenses coverage of up to 50,000 Baht for driver and passenger.

key 3

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 Bodily Liability

Third Party Bodily Injury

500,000 Baht/Person

10,000,000 Baht/Accident

Third Party Property Damage

600,000 Baht/Accident

Additional coverage

Vehicle Code

Saloon

110
(not over 7 seats)

Saloon

120
(not over 7 seats)

Van

210
(not over 20 seats)

Pick up

320
(not over 4 tonnes)

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

Premium

Saloon

110
(not over 7 seats)

Saloon

120
(not over 7 seats)

Van

210
(not over 20 seats)

Pick up

320
(not over 4 tonnes)

Total Annual Premium (Baht)

1,950

2,850

3,550

3,150

  • 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 public transportation or rental).
  • Applicable for vehicles aged not over 25 years.
  • The Company reserves the right to renew based on MSIG's conditions.
  • No discounts applicable; fixed sum insured & premium.
  • Effective from 19 October 2020 until further notice.
  • Premium includes CCTV discount.
  • The above premium rate does not include Compulsory Motor Insurance (CMI).

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)

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  NOTICE

Starting from 1 October 2023, MSIG will eliminate cheque collection.

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