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Safe Guard 2+
MSIG Safe Guard 2+ is a 2nd class plus motor insurance that provides comprehensive coverage for your vehicle at a cost-effective price. It offers almost the same level of protection as first-class motor insurance, making it ideal for those seeking affordable coverage. The policy includes coverage for collisions with other road vehicles and losses or damages resulting from floods, fires, or theft (loss of entire vehicle).
The plan offers flexible options with packages that include or exclude excess charges, allowing you to customize your coverage with maximum coverage of 300,000 Baht. Furthermore, 24-hour Roadside Assistance is available (subject to specific terms and conditions), providing peace of mind in case of emergencies.
Key features
Repair condition : Authorised Garage.
Choose from either Standard plan or Mini plan.
Selective package of with excess or no excess.
Plan details
- Special ! Roadside Assistance 24-hour-service as per MSIG's Conditions.
- Varied range of sum insured options to suit your needs.
- Third party bodily injury coverage of up to 20 million baht per accident for all plans in this policy.
| Coverage | MSIG Safe Guard | MSIG Safe Guard |
|---|---|---|
Third Party Liability | ||
| Third Party Bodily Injury | 500,000 Baht/Person | 500,000 Baht/Person |
20,000,000 Baht/Accident | 20,000,000 Baht/Accident | |
| Third Party Property Damage | 1,000,000 Baht/Accident | 1,000,000 Baht/Accident |
Additional Coverage | ||
| Personal Accident - Total Permanent Disability (5 Seats) |
|
|
| Medical Expenses (5 Seats) | 200,000 Baht/Person | 100,000 Baht/Person |
| Bail Bond | 300,000 Baht/Accident | 300,000 Baht/Accident |
- Premium includes CCTV discount.
- Applicable for saloon not over 7 seats (110) and pick-up not over 4 tonnes (320).
- Applicable for legally registered vehicle for private use only (not for hire, public transport, rental, or registered as R.Y.18).
- Not applicable for Audi, BMW, Volkswagen, Volvo, and Chevrolet.
- Mercedes Benz, excluding sport cars or imported cars, may apply for Plan Safe 3, 4, 5, 6 only.
- 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).
- The market price of the vehicle must not be less than the sum insured.
- Accessories are covered with the limit not over 10,000 Baht.
- Repair Condition : Authorised Garage.
- This insurance premium rate is a fixed rate.
- Pre-motor insurance car inspection will be conducted if needed.
- Special ! Roadside Assistance 24-hour-service as per MSIG's Conditions.
- 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.
- Effective from 1 February 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)
A: MSIG Safe Guard 2+ provides additional coverage for loss of the entire vehicle and loss arising from fire, whereas MSIG Safe Guard 3+ does not include this coverage.
A: There are variety plans of MSIG Safe Guard plans, including those with or without deductibles applied.
A: A deductible refers to the initial amount of damage that the insured must absorb themselves, as specified in the Motor insurance policy, deductibles generally apply in cases where the insured vehicle collides with another road vehicle and the insured is at fault.
Example 1: In a qualifying case, the insured vehicle collides with another land vehicle and the insured is at fault. 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: In a qualifying case, the insured vehicle collides with another land vehicle and the insured is at fault. The policy specifies a deductible of 2,000 baht, and the total damage amounts to 2,000 baht. In this case, the insured must bear the full amount of 2,000 baht themselves.
A: Applicable for legally registered vehicle for private use only, i.e. saloon not over 7 seats, and pick-up not over 4 tonnes.
A: The normal time period for considering claims after MSIG receives all the required and correctly completed documents for Motor Insurance is usually within 15 days. In cases where there is reasonable doubt regarding the validity of a claim according to the stated policy coverage, the time period may be longer, but no longer than necessary or reasonable, and usually not more than 90 days from after all the necessary completed documents have been submitted. The insured can track the claim status directly via MSIG Claim Tracking 24/7.
