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Ultra Save
If you're looking for first-class motor insurance that offers maximum coverage at a great value, MSIG Ultra Save Plan is the perfect choice. With premiums comparable to 2+ insurance plans, this first-class motor insurance provides extensive protection at a budget-friendly price. Starting at just 8,000 Baht, you’ll receive coverage for both your vehicle and third parties, with flexible sum insured options ranging from 100,000 THB to 500,000 Baht, tailored to match your car’s value. MSIG Ultra Save (first-calss motor insurance) is ideal for those seeking peace of mind at an accessible price. It’s suitable for all vehicle types and covers cars up to 20 years old. MSIG Ultra Save – The smart choice for drivers who want full Class 1 coverage at a reasonable cost.
What is a First-Class Motor Insurance?
First-class motor insurance offers the most comprehensive protection among all car insurance types. It’s perfect for drivers who want maximum peace of mind, covering a wide range of incidents—from accidents and natural disasters to damage caused by the insured’s own negligence.
What Does First-Class Motor Insurance Cover?
1. Damage to Your Vehicle, Theft, and Fire
Covers accidents including collisions, overturning, and other causes includes:
- Collisions with land vehicles.
- Single-vehicle accidents (no third party involved).
2. Theft, Fire, and Natural Disasters
- Protection against vehicle theft and fire.
- Coverage for natural disasters such as floods and earthquakes.
3. Third-Party Life and Property Protection
Covers damages to third-party life and property, helping protect you from financial liabilities:
- Medical expenses, compensation for death or permanent disability.
- Damage to third-party property (e.g., vehicles, fences, personal belongings).
4. Coverage for Driver and Passengers
- Personal Accident (PA) coverage.
- Medical expenses.
- Bail bond for criminal cases involving the driver.
Who should consider First-Class Motor insurance?
First-class motor insurance is ideal for vehicle owners who want maximum protection and wish to minimize financial risks from accidents or unexpected events.
Key features
Comprehensive cover
Authorized Garage
Sum insured starting from 100,000 - 500,000 Baht
Premiums starting from 8,000 Baht.
Applicable for vehicles aged not over 20 years.
Plan details
- Special ! MSIG Roadside Assistance 24-Hour Services (subject to terms and conditions).
- Varied range of sum insured options to suit your needs.
- Low premium with full coverage, ideal for drivers who have little or no claim records.
| Coverage | Limit of Liability |
|---|---|
Third Party Liability | |
| Bodily injury or compensation over max. limit of CMI only | 500,000 Baht/Person |
| 10,000,000 Baht/Accident | |
| Third Party Property Damage | 2,500,000 Baht/Accident |
Own damage to the insured vehicle | |
| Own damage | According to the insurance plan |
| Deductible* | 3,000 Baht/Accident |
| Theft of Entire Vehicle/ Fire | According to the insurance plan |
Additional Coverage | |
| Personal Accident - Total Permanent Disability (5 Seats) | 100,000 Baht/Person |
| Medical Expenses (5 Seats) | 100,000 Baht/Person |
| Bail Bond | 300,000 Baht/Accident |
* Deductible = 3,000 Baht / accident will be waived in case of loss arising from collision with road vehicle
- Applicable for vehicles aged not over 20 years.
- Repair Condition : Authorised Garage.
- Premium includes CCTV discount.
- The above premium rate does not include Compulsory Motor Insurance (CMI) (and does not include extended coverage for Terrorism).
- Applicable for legally registered vehicle for private use only.
- Not Applicable for modified 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, or online business delivery, (etc.).
- Not applicable for any imported vehicles, sport cars, or cars used for racing.
- Premium applied for
- Saloon (110), for vehicle groups 3, 4, and 5 only, excluding Chevrolet models and all electric vehicles (EV).
- Pick-up not over 4 tonnes with private passenger vehicle (210), excluding passenger vans.
- The market price of the vehicle must not be less than the sum insured.
- The vehicle must be properly inspected before insurance coverage is provided (the Company reserves the right to re-consider insurance coverage if any damage is found on the vehicle before insurance is issued).
- No depreciation will be applied to the cost of replacing fluids (e.g., engine oil, lubricants, and air conditioning coolant) if damaged in a collision with a land vehicle as per MSIG's Conditions.
- Special Roadside Assistance 24-Hour Services as per MSIG's Conditions.
Motor Insurance provides coverage according to the amount and details shown in the insurance policy schedule for the following damage:
Third Party Liability (does not include the driver of the vehicle who is legally liable, or any employees in the course of employment, or the spouse, parents and children of the driver)
1.1 Liability for Loss of Life or Bodily Injury
- Bodily Injury or Compensation over the maximum limit for CMI only
- Total Permanent Disability or Loss of Life
1.2 Liability for Property Damage
Coverage for Damage to Motor Vehicle
2.1 Collision, Overturning and other risks
2.2 Coverage for Theft / Fire
Additional Coverage
3.1 Personal Accident
3.2 Medical Expenses
3.3 Bail Bond Insurance
More information of the terms, condition, coverage, and the exclusions are stated in the Motor Insurance policy. The buyer should carefully read and understand the details of the insurance policy prior to making a decision to purchase this insurance.
Yes, however, any damage that occurred before applying for the Motor Insurance will not be covered. There will be a pre-insurance car inspection process, and all previous damage will be recorded in the system. If there is a claim or damage from the previous period of insurance and the repair has been completed, it is necessary to inform the insurance company to schedule an appointment for another car inspection; and such damage/repair will be noted and the system updated accordingly.
A deductible refers to the initial amount of damage that the insured must absorb themselves as specified in the Motor insurance policy. Example 1: The policy specifies a deductible of 2,000 baht, and the total damage amounts to 5,000 baht. In this case, the insured must pay the first 2,000 baht, and the insurance company will cover the remaining 3,000 baht. Example 2: The policy specifies a deductible of 2,000 baht, and the total damage amounts to 2,000 baht. In this case, the insured must absorb the full amount of 2,000 baht themselves.
The normal time period for considering claims when MSIG receives all the necessary complete documents is usually within 15 days. Claim payments will usually be made within 15 days from the date the claimant has agreed to the amount of compensation. the insured can track the claim status directly via MSIG Claim Tracking 24/7.
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)
