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Motor Insurance Type 1

Our most extensive coverage for a worry-free drive.


  • Motor Insurance Type 1 with no deductible
  • Coverage for the people and vehicles involved in an accident
  • Cover fire, theft and natural disasters, such as Flood, Windstorm, Hail and Earthquake.
  • Repair at a dealership garage for a vehicle up to 5 years old, or at one of AXA’s network garages for a vehicle up to 15 years old.
  • Buy online in 3 minutes and get policy in email instantly.
  • Specify name driver / without name driver on the policy.
  • Up to 20,000 per accident for additional accessories**
  • Free! pre-insurance vehicle inspection.
  • Free! AXA Roadside Service 24-hour nationwide emergency assistance.*
  • AXA 4 U, New for old replacement for accidental damage on the following 4 items; Tyre, Battery (excluded electrical system of electric and hybrid vehicles), Lubricant and Coolant, Radio and Audio (installed by the vehicle manufacturer)

Motor Insurance Type 1 Full Coverage

AXA Smart Drive 1 To meet all your motor insurance needs and offers comprehensive coverage in 2024 for the people and vehicles involved in an accident not just you but the other driver and their vehicle as well include medical expenses, personal accident, and bail bond.

This extensive policy simply gives you more, including AXA Roadside Service a 24-hour claim hotline, nationwide coverage, and repair at leading garages with superior standards selected by AXA for your confidence and peace of mind.


Check Your Price or Buy Motor Insurance Type 1 Online with Installment Plan 0% 4 Months for credit cardholders of participating banks
Get a policy in email instantly.



Save Money and Get the Best Coverage
with Special Promotions


**Authorized motor online insurer by the Office of Insurance Commission**

Online motor insurance is eligible for new AXA customers or existing AXA customers who do not have any motor claims in the past 12 months. (In case you had any claims, the company must decline and proceed to cancel your policy.)

Motor Insurance Type 1 Coverage:

1. Own damages – collision without third party
2. Own damages – collision with third party
3. Limit for property damage for the damage to property of third party which shall be legally borne by the Insured.
4. Fire Damage to Motor Vehicle, Loss of Motor Vehicle, Own damage due to Natural Perils such as Flood, Earthquake, Hail and Windstorm
5. Personal accident coverage, Medical Expense provided that such person is in, getting in, or getting out of the Motor Vehicle, Bail bond


Motor Insurance Type 1: Table of Benefits

Coverage Limit of Liability (THB)

Third Party Lliability

Bodily injury (Over maximum limit of compulsory motor insurance only)/Person

1,000,000 - BMW & Mercedes Benz

Bodily injury (Over maximum limit of compulsory motor insurance only)/Accident


Property damage/Accident


Own Damage Coverage

Vehicle damage due to collisions with and without third parties

Follow Vehicle Sum Insured

Vehicle loss or damage due to Fire and Theft

Follow Vehicle Sum Insured

Vehicle damage due to Natural Perils such as Flood, Earthquake, Hail and Windstorm

Follow Vehicle Sum Insured

Additional accessories

(Free) Up to 20,000 per accident

Additional Coverage

Personal Accident for driver and passengers

300,000 - BMW & Mercedes Benz

Medical Expense for driver and passengers

300,000 - BMW & Mercedes Benz

Bail Bond for driver

300,000 - BMW & Mercedes Benz


No Deductible / 3,000 / 5,000


Recommended Motor Insurance Plan

AXA Motor Insurance 2+

AXA Motor Insurance 3+


Terms & Conditions for purchase Motor Insurance Type 1 via online (Smart Drive 1)

1. The applicant wishes to apply for insurance with the Company and such insurance is subject to the insurance policy terms and conditions specified by the Company. The applicant hereby certifies that all the details given are correct and complete. The applicant agrees that this insurance application will form the basis of an insurance agreement between the applicant and the Company.

2. A full cover according to the insurance policy conditions will apply only after the car inspection is done by the Company’s authorized person. Prior to completion of car inspection, the Policy shall cover the damage to the motor vehicle caused by the collision of vehicles only upon the premium payment and subject to the Insured notifying the Company immediately after the accident and the claim surveyor has inspected the damage at the scene of the collision. 

3. In case the motor vehicle fails to pass inspection, the Company shall refund the full premium amount to the applicant subject to no claims have already been paid for any collision accidents

4. If the insurance agreement and premium payment have been made, the Insured may cancel the insurance policy by performing the cancellation process as stated in the insurance policy. The premium will be refunded subject to insurance policy terms and conditions.

**Accessories equipment

For Type 1 coverage, any additional accessories are covered up to a maximum of 20,000 baht/accident for free

The company does not consider the insurance equipment. As follows:

1. Movable accessories include car front-facing cameras or satellite antennas for cars

2. Kevlar

3. Crystal Glass Coating or other coating is the same characteristic.

4. Mounting stickers include stickers for changing the car Wrap, with stickers for changing some car colors, stickers etc.

Online motor insurance is not available for the following cars:

Modified cars for racing, lowered or lifted cars, or cars with accessories such as container, refrigerator, roof, cage or steel frame


Terms and conditions of coverage and underwriting as specified by AXA, the Insured should understand before making the decision.