Thailand insurance guide 02 / 04
REVIEWED 21 AUGUST 2026
Understand compulsory Por Ror Bor, voluntary insurance classes, repair networks, driver conditions and the claims process before driving a car or motorcycle in Thailand.
Thailand essentials
The headings used by insurers are only a starting point. Read the definition, benefit, exclusion and claim condition together.
Thailand's compulsory motor insurance supports statutory compensation for people injured or killed in road accidents and is needed for annual vehicle registration and tax. It does not replace voluntary cover for your vehicle or broader property liability.
Typically the broadest voluntary class, including own accidental damage and third-party liability, with theft, fire, flood or other perils subject to the specific policy. Vehicle age, inspection, driver and repair conditions can restrict eligibility.
These lower-cost products commonly cover collision with another identifiable vehicle plus third-party liability; Type 2+ commonly adds theft and fire. Single-vehicle accidents, unidentified impact and flood treatment must be checked.
Primarily third-party bodily injury and property liability, without ordinary own-vehicle collision damage. Limits, bail bond, roadside assistance and passenger accident benefits vary.
Confirm that every driver holds a licence valid for the vehicle and circumstances. Drink or drug driving, unauthorised commercial use, racing, an undeclared driver or an improperly licensed motorcycle can prejudice cover.
Dealer repair can matter for newer or specialist vehicles; network-garage cover may be cheaper. Check parts, depreciation, betterment, choice of garage, inspection and guarantee arrangements.
Flood and battery damage, charging equipment, modified suspension, body kits, audio equipment and other accessories need explicit treatment. Confirm insured value and whether settlement is agreed value or market-based.
Keep the insurer's claim number in the vehicle. Make the scene safe, contact emergency services and the insurer, photograph positions and damage where safe, exchange details and avoid signing documents you do not understand.
Provider directory
This is not a ranking and is not exhaustive. Availability for a foreign applicant can change by product, age, residence, visa and sales channel.
| Provider | Role | Market position | What to verify |
|---|---|---|---|
| Viriyah Insurance↗ | Thai non-life insurer | Large motor insurer with extensive claims and garage infrastructure across Thailand. | Compare repair basis, claim survey response, driver restrictions, flood and insured-value wording. |
| Dhipaya Insurance (TIP)↗ | Thai non-life insurer | Major general insurer offering compulsory and voluntary motor products. | Verify product class, repair network, third-party limits and any named-driver or usage terms. |
| Bangkok Insurance↗ | Thai non-life insurer | Established insurer offering motor products and nationwide claims support. | Compare dealer repair, garage geography, vehicle age acceptance and catastrophe cover. |
| Muang Thai Insurance↗ | Thai non-life insurer | Motor, property and personal insurance with local service channels. | Confirm coverage class, claim hotline language, repair basis and optional benefits. |
| MSIG Thailand↗ | Thai non-life insurer | International-group motor insurance with Thai claims and repair services. | Check EV, flood, accessories, garage/dealer and driver provisions for the exact plan. |
| Tokio Marine Safety Thailand↗ | Thai non-life insurer | Motor cover backed by an international insurance group. | Confirm English servicing, repair network, insured value and product eligibility. |
| AXA Thailand↗ | Thai non-life insurer | Compulsory insurance and voluntary Type 1, 2+, 3+ and Type 3 options, including EV products. | Review class definitions, excess, dealer repair, flood and accident-assistance conditions. |
| Roojai↗ | Digital motor insurer/provider | Online quotations, telematics or driver-profile pricing and digital claims services. | Declare every driver and usage accurately; review inspection, excess, repair network and renewal pricing. |
| Chubb Samaggi↗ | Thai non-life insurer | International-group motor and personal insurance in Thailand. | Check sales channel, repair facilities, assistance, exclusions and policy language. |
| Thaivivat Insurance↗ | Thai non-life insurer | Motor and general insurance, including usage-oriented digital products. | Understand when cover is active, telematics or app requirements, kilometre conditions and ordinary exclusions. |
Claim preparation
Stop safely, check injuries and contact emergency services where needed.
Call the insurer's accident service before moving vehicles unless safety or police require it.
Photograph positions, plates, road conditions and damage without creating further danger.
Do not admit liability or sign an untranslated settlement you do not understand.
Obtain the police reference where required and keep medical, towing and repair receipts.
Confirm garage, repair authority, excess, parts and expected settlement in writing.
Warning signs
A low premium is not a saving if the contract cannot respond to the loss you intended to insure.
The seller treats Por Ror Bor as comprehensive insurance.
A Type 2+ or 3+ plan is described as covering every collision without the identifiable-vehicle condition.
The quote omits the repair-garage basis.
Vehicle modifications, commercial use or regular drivers are not recorded.
The policy value is accepted without checking finance balance or replacement cost.
English sales material is available but the controlling policy and claim documents are not explained.
Primary sources
Sources checked 21 August 2026. Rules, forms and products can change; the current authority notice and final policy wording take precedence. Send corrections to hello@emigrated.org.