Protection for Your Every Ride

Stay protected on the road with comprehensive coverage for your car

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Nationwide Coverage at Trusted Garages

Get reliable service at authorized garages across the country, wherever you are.

Personalized Coverage

We make it easy to compare plans and find coverage that fits your lifestyle.

Fast & Hassle-Free Claims

Our dedicated team ensures a smooth and efficient claims process every step of the way.

Understand Your Car Insurance Options

Explore car insurance options, from basic to comprehensive, and find the right fit for you.

Voluntary Motor Insurance

Comprehensive Protection for Your Vehicle

Voluntary car insurance is car insurance that is not required by law, but is voluntary to provide more comprehensive coverage than compulsory car insurance, including damage to the insured's car and the other party, as well as medical expenses. It helps reduce the risk when an accident or unexpected event occurs, and helps ease the financial burden. It has the following important characteristics

Types of Voluntary Motor Insurance

For car owners who want to buy voluntary car insurance , you should choose to buy according to your driving style and needs. Voluntary Insurance has the following types of car insurance to choose from:

Type 1

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First class car insurance is the most comprehensive car insurance coverage, whether it is damage to the car, medical expenses, theft, fire, flood, and other natural disasters.

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Type 2+

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Car insurance type 2+ is a car insurance with secondary coverage. It covers damage to the car of both the insured and the other party, but it must be in the case of a car crash only. It does not cover in the case of a collision with an object or without an other party, including coverage for theft and fire.

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Type 2

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Type 2 car insurance is car insurance that covers third parties in the event of damage to the car only, but does not cover the insured's car. It also covers cases of car theft and fire.

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Type 3+

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Type 3+ is an insurance that provides coverage for the damage to the car in the event of a car crash where other parties are involved, both for the insured and the other party. It does not provide coverage in the event of theft, fire, and natural disasters.

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Type 3

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Type 3 car insurance is the cheapest voluntary insurance. It covers damage only to the other party, but does not cover the insured's car. It also does not cover theft, fire, and natural disasters.

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Car insurance coverage details

Generally, when purchasing car insurance, the following issues will be covered:

Own Damage & Theft

Covers repair or replacement if your car is damaged or stolen.

Third-Party Liability

Protects against costs if you damage someone else’s vehicle or property.

Personal Accident Coverage

Offers compensation for injuries or loss of life in an accident.

Extras

Includes things like roadside assistance and disaster protection.

Compulsory Motor Insurance

Compulsory Motor Insurance, or what everyone calls the P.R.B., is insurance under the Motor Vehicle Accident Victims Protection Act B.E. 2535, which requires all vehicle owners registered with the Department of Land Transport to do so in order to protect victims of car accidents, whether they are drivers, passengers, or outsiders, so that everyone receives equal treatment without having to consider who is right or wrong. The main coverage is as follows:

Covers damage or injuries

Covers damage or injuries for everyone affected by the accident.

Medical Expenses

Helps with medical costs if anyone is injured in an accident.

This government-mandated insurance is required for all vehicle owners and provides the essential protection you need.

I already have a compulsory motor insurance. Is it necessary to purchase voluntary motor insurance ?

If you use your car regularly, it is recommended to purchase voluntary car insurance because if an accident occurs, it will help ease the burden of expenses, including helping to negotiate with the other party, which will reduce conflicts at the same time.

Comparison table of insurance coverage for each type

Those who are looking for car insurance that provides coverage that suits their needs or driving style can compare from the coverage table below before deciding to buy car insurance with Mee Dee Insurance.

Coverage	Type 1	Type 2+	Type 2	Type 3+	Type 3	CMI
[Coverage Group]
[Coverage]	✓	✓	×	×	×	×
[Coverage]	✓	✓	×	×	×	×
[Coverage]	✓	✓	×	×	×	×
[Coverage]	✓	✓	×	×	×	×
[Coverage]	✓	✓	×	×	×	×
[Coverage Group]
[Coverage]	✓	✓	×	×	×	×
[Coverage]	✓	✓	×	×	×	×
[Coverage Group]
[Coverage]	✓	✓	×	×	×	×
[Coverage]	✓	✓	×	×	×	×
[Coverage]	✓	✓	×	×	×	×