Car insurance for internal combustion engine (ICE) vehicles is designed for cars powered by gasoline, diesel, or conventional fuel systems. Today, there are several types of car insurance plans available, depending on the vehicle’s age, usage, and budget.
The most common types include:
• Type 1 Motor Insurance
Provides the most comprehensive coverage, including damage to your own vehicle, third-party vehicles, theft, fire, and even accidents without a third party involved.
• Type 2+ and Type 3+ Motor Insurance
Covers vehicle-to-vehicle collisions and third-party damages, while offering more affordable premiums compared to Type 1 insurance.
• Type 2 and Type 3 Motor Insurance
Suitable for older vehicles or drivers who mainly want coverage focused on third-party liability and damages.
Many people often wonder, “Which type of car insurance should I choose?”
In reality, there is no fixed answer. Most people usually consider factors such as:
• Vehicle age
• Current market value of the car
• Insurance premium costs
• Driving and usage risks
Another important factor is the choice between authorized dealer repair (garage repair at manufacturer service centers) and network garage repair, which is one of the key considerations when selecting motor insurance.
Authorized dealer repairs are suitable for those who prefer certified service standards, genuine parts, and greater confidence in repair quality. On the other hand, network garage repairs usually offer more affordable premiums and a wider selection of repair shops within the insurer’s network.
