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Online Compulsory Car Insurance
Car Compulsory Insurance Thailand (Por Ror Bor)
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Comprehensive Guide to Compulsory Car Insurance (Por Ror Bor) in Thailand
If you're planning to hit the road in Thailand, whether driving your own car or renting one, it's crucial to understand the mandatory insurance required by law - Compulsory Motor Insurance or "Por Ror Bor". This guide covers everything you need to know about this essential insurance policy, including its coverage, costs, and how to obtain it.
What is Compulsory Car Insurance (Por Ror Bor)?
Compulsory Car Insurance, also known as Por Ror Bor, is the minimum legal requirement for all vehicles in Thailand. It provides basic protection for injuries to all parties involved in accidents, regardless of who is at fault. The Motor Victims Protection Act B.E. 1992, which came into effect on April 5, 1993, requires all cars, motorcycles, and vehicles powered by electric engines or other energy registered with the Department of Land Transport to have this insurance.
Por Ror Bor is also necessary to pay for the road tax in Thailand. After paying for the road tax with the compulsory insurance, you'll receive a "pink" sticker to place on your windshield, indicating that you've paid the road tax for your vehicle.
What Does Por Ror Bor Cover?
Coverage for Everyone Involved in an Accident:
- Medical expenses for injuries: Up to 30,000 THB per person
- Compensation for loss of vital organ and permanent disability: Up to 35,000 THB per person
- Compensation for death: Up to 35,000 THB per person
Additional Coverage if You're Not at Fault:
- Medical expenses: Up to 80,000 THB per person
- Compensation for death: Up to 500,000 THB per person
- Compensation for loss of vital organs:
- Two vital organs: Up to 500,000 THB
- One vital organ: Up to 250,000 THB
- Loss of finger or more: Up to 200,000 THB
- Daily compensation for hospital stays: 200 THB per day (up to 20 days, maximum 4,000 THB per year)
In total, you can receive compensation of up to 504,000 THB per person if you're not at fault.
What's Not Covered by Por Ror Bor?
- Damage to your own vehicle
- Damage to other people's property or vehicles
- Personal belongings in the car
- Any injuries or damages beyond the specified limits
How Much Does Por Ror Bor Cost?
Por Ror Bor is generally the most affordable car insurance option in Thailand, with prices starting from:
- General cars and trucks: Around 646 THB per year
- Vans: Around 968 THB per year
- Blue license plate trucks: Around 1,183 THB per year
How to Apply for Por Ror Bor in Thailand
- Select Plans & Premiums: Choose the right plan for your vehicle.
- Apply: Apply through our website or contact our customer service team.
- Submit Documents: Provide the necessary documents:
- Copy of your Passport or Thai Driving License
- Copy of your vehicle registration (green book) or deed of sale
- Get Covered: Once confirmed, your coverage starts immediately.
Making a Claim
- Contact your insurance company immediately after an accident.
- File a police report within 24 hours of the accident.
- Submit the following documents for your claim:
- Identification copy
- House registration copy
- Car registration copy
- Driver's license copy
- Police report
- Voluntary car insurance copy (if applicable)
- Por Ror Bor form
- Proof of medical expenses (if relevant)
- Death certificate (if applicable)
- Medical certificate (if needed)
Importance of Compulsory Vehicle Insurance
- Protecting the Injured: Ensures timely medical attention for accident victims.
- Guaranteeing Payment of Medical Fees: Ensures hospitals receive payment for treating car accident victims.
- Government Welfare: Provides support to citizens affected by car accidents.
- Supporting Insurance Participation: Promotes the insurance industry's role in providing financial support to accident victims.
Frequently Asked Questions
Is Por Ror Bor enough insurance for my car in Thailand?
While Por Ror Bor meets the legal minimum requirement, it provides very limited coverage. Consider additional insurance types for more comprehensive protection.
Can I buy Por Ror Bor online?
Yes, many insurance providers offer online purchasing options for Por Ror Bor.
How often do I need to renew Por Ror Bor?
Por Ror Bor needs to be renewed annually before paying the annual car tax.
What happens if I don't have Por Ror Bor?
Driving without Por Ror Bor is illegal in Thailand and can result in fines of up to 10,000 THB and other legal penalties.
Is it enough to buy only compulsory insurance in Thailand?
No, it's not enough. Compulsory insurance covers only medical expenses and hospitalization. For more comprehensive coverage, including third-party liability, own damage, fire, and theft, consider additional voluntary car insurance.
Remember, while Compulsory Motor Insurance (Por Ror Bor) is mandatory, it provides only basic coverage. As a responsible driver, it's important to consider additional insurance options to ensure comprehensive protection for yourself, your passengers, and others on the road.
Pricing comparison by insurer
Indicative ranges only. Actual premiums depend on plan/coverage, customer profile, and current campaigns. Confirm via live quote.
| Class | Insurer | Premium range (THB) | Notes |
|---|---|---|---|
| 1 | Viriyah | Garage: 10,000–26,000; Dealer: 13,000–33,000 | |
| 1 | Bangkok Insurance | Garage: 11,000–25,500; Dealer: 14,000–32,000 | |
| 1 | Dhipaya Insurance | Garage: 10,500–24,500; Dealer: 13,500–31,000 | |
| 1 | MSIG Insurance | Garage: 10,200–24,000; Dealer: 13,200–30,000 | |
| 1 | Tokio Marine Insurance | Garage: 10,400–24,800; Dealer: 13,400–31,000 | |
| 1 | Sompo Insurance | Garage: 10,100–23,800; Dealer: 13,100–30,000 | |
| 1 | LMG Insurance | Garage: 9,900–23,500; Dealer: 12,900–29,500 | |
| 1 | Chubb Samaggi Insurance | Garage: 10,100–24,000; Dealer: 13,100–29,800 | |
| 1 | Thaivivat Insurance | Garage: 7,500–23,000; Dealer: 12,500–29,000 | |
| 1 | Deves Insurance | Garage: 9,700–22,800; Dealer: 12,400–28,800 | |
| 2+ | Viriyah | 6,000–12,500 | (repair type varies) |
| 2+ | Bangkok Insurance | 6,200–12,200 | (repair type varies) |
| 2+ | MSIG Insurance | 5,900–11,800 | (repair type varies) |
| 2+ | Sompo Insurance | 5,700–11,600 | (repair type varies) |
| 2+ | Dhipaya Insurance | 5,900–12,000 | (repair type varies) |
| 2+ | LMG Insurance | 5,600–11,500 | (repair type varies) |
| 2+ | The Navakij Insurance | 5,500–11,000 | (repair type varies) |
| 2+ | Deves Insurance | 5,500–10,900 | (repair type varies) |
| 3+ | Bangkok Insurance | 5,000–9,500 | (repair type varies) |
| 3+ | MSIG Insurance | 4,800–9,200 | (repair type varies) |
| 3+ | Thaivivat Insurance | 4,700–9,000 | (repair type varies) |
| 3+ | The Navakij Insurance | 4,600–8,900 | (repair type varies) |
| 3+ | Sompo Insurance | 4,700–9,100 | (repair type varies) |
| 3+ | Deves Insurance | 4,600–8,900 | (repair type varies) |
| 3+ | Falcon Insurance | 4,400–8,600 | (repair type varies) |
| 3 | Muang Thai | 1,600–4,000 | (repair type varies) |
| 3 | Deves Insurance | 1,700–3,800 | (repair type varies) |
| 3 | Falcon Insurance | 1,650–3,600 | (repair type varies) |
| 3 | The Navakij Insurance | 1,700–3,700 | (repair type varies) |
| 3 | LMG Insurance | 1,750–3,900 | (repair type varies) |
| 3 | Dhipaya Insurance | 1,750–3,950 | (repair type varies) |
Who Should Get Compulsory Car Insurance?
Compulsory Car Insurance (Por Ror Bor) is required for all vehicle owners in Thailand, including Thai citizens, expats living in Thailand, tourists renting cars, and anyone bringing foreign-registered vehicles into the country. Whether you own a private car, motorcycle, van, or commercial vehicle, this insurance is mandatory before you can legally drive on Thai roads.
Quick Application Checklist
- Valid passport or Thai ID/driving license
- Vehicle registration book (green book) or deed of sale
- Current vehicle inspection certificate (if applicable)
- Payment method (cash, credit card, or bank transfer)
- Previous insurance policy (for renewals)
- Power of attorney (if applying on behalf of someone else)
Common Questions About Por Ror Bor
Can tourists buy Por Ror Bor with just a passport?
Yes, tourists can purchase Por Ror Bor using their passport when renting vehicles or bringing foreign cars into Thailand.
Does Por Ror Bor cover accidents outside Thailand?
No, Por Ror Bor only provides coverage for accidents occurring within Thailand's borders.
What if my car is financed or leased?
You still need Por Ror Bor regardless of financing arrangements, as it's legally required for all registered vehicles in Thailand.
Explore Other Car Insurance Options
Compare All Car Insurance Types — View all classes side by side.
Type 1 Car Insurance — Most comprehensive voluntary coverage.
Type 3 Car Insurance — Affordable third-party coverage.
Pay-Per-Mile Insurance — Drive less, pay less.
24/7 Roadside Assistance — Emergency help anytime.
Frequently asked questions
What is Compulsory Motor Insurance?
Compulsory Motor Insurance, also known as Por Ror Bor, is a mandatory insurance policy required by law for all motor vehicles registered in Thailand. It provides insurance coverage for anyone who is affected by car accidents, including drivers, passengers, and pedestrians, regardless of who is at fault.
When did the law come into effect?
The Motor Victims Protection Act B.E. 1992 came into effect on 5 April 1993, requiring all cars, motorcycles, and cars powered by electric engines or other energy registered with the Department of Land Transport to apply for this insurance.
What does the policy cover?
The policy covers any loss or damage to property or injuries to individuals caused by a car accident. This includes not only the driver, but also any passengers, pedestrians, or property that may be affected. In the unfortunate event of death or loss of body parts or health damage, the deceased person’s heirs are also covered.
What is the maximum coverage amount?
The maximum coverage amount per person under the Compulsory Motor Insurance policy is limited, which is why car owners are encouraged to purchase voluntary car insurance to receive additional protection.
Who is responsible for obtaining the insurance?
The person responsible for obtaining the Compulsory Motor Insurance policy is the car owner, a car hire buyer, or the car owner who brings cars registered in foreign countries to use in Thailand.
Is the policy renewable?
Yes, the policy must be renewed every year before paying the annual car tax.
What happens if a vehicle is found to be without insurance?
Any violation of the Compulsory Motor Insurance policy will result in a fine of not more than ฿10,000.
Is it enough to buy only compulsory insurance in Thailand ?
Compulsory Motor Insurance is a mandatory insurance policy required by law for all motor vehicles registered in Thailand. It provides insurance coverage for anyone who is affected by car accidents, regardless of fault, and is designed to protect individuals from financial loss due to accidents. As a responsible driver, it’s important to obtain the proper insurance coverage to ensure the safety of yourself, your passengers, and others on the road.
Is it enough to buy only compulsory insurance in Thailand ?
No, it is not enough as compulsory insurance covers only the medical expenses/hospitalization of the insured person but does not cover things like third-party liability, own-damage, fire and theft and much more. If you want to check out the comprehensive insurance for your vehicle, please see car insurance Thailand.
Compulsory Motor Insurance is a mandatory insurance policy required by law for all motor vehicles registered in Thailand. It provides insurance coverage for anyone who is affected by car accidents, regardless of fault, and is designed to protect individuals from financial loss due to accidents. As a responsible driver, it’s important to obtain the proper insurance coverage to ensure the safety of yourself, your passengers, and others on the road.
Compulsory insurance for all vehicles :
| Vehicle code | Vehicle description | Premium | |
|---|---|---|---|
| 1.10 | รถยนต์นั่งไม่เกิน 7 ที่นั่ง | 646 | Select |
| 1.10E | รถยนต์นั่งไม่เกิน 7 คน ขับเคลื่อนด้วยพลังงานไฟฟ้า | 646 | Select |
| 1.20A | รถยนต์โดยสารไม่เกิน 15 ที่นั่ง | 1,183 | Select |
| 1.20B | รถยนต์โดยสารไม่เกิน 20 ที่นั่ง | 2,204 | Select |
| 1.20C | รถยนต์โดยสารไม่เกิน 40 ที่นั่ง | 3,438 | Select |
| 1.20D | รถยนต์โดยสารเกิน 40 ที่นั่ง | 4,018 | Select |
| 1.30A | รถจักรยานยนต์เกิน 0 ซีซี ถึง 75 ซีซี | 312 | Select |
| 1.30B | รถจักรยานยนต์เกิน 75 ซีซี ถึง 125 ซีซี | 474 | Select |
| 1.30C | รถจักรยานยนต์เกิน 125 ซีซี ถึง 150 ซีซี | 581 | Select |
| 1.30D | รถจักรยานยนต์เกิน 150 ซีซี | 796 | Select |
| 1.30E | รถจักรยานยนต์ไฟฟ้า | 474 | Select |
| 1.40A | รถยนต์บรรทุกไม่เกิน 3 ตัน | 968 | Select |
| 1.40B | รถยนต์บรรทุกไม่เกิน 6 ตัน | 1,311 | Select |
| 1.40C | รถยนต์บรรทุกไม่เกิน 12 ตัน | 1,409 | Select |
| 1.40D | รถยนต์บรรทุกเกิน 12 ตัน | 1,827 | Select |
| 1.42A | รถยนต์บรรทุกน้ำมันไม่เกิน 12 ตัน | 1,806 | Select |
| 1.42B | รถยนต์บรรทุกน้ำมันเกิน 12 ตัน | 2,494 | Select |
| 1.50 | หัวรถลากจูง | 2,547 | Select |
| 1.60 | รถพ่วง | 646 | Select |
| 1.70A | รถสามล้อเครื่อง | 774 | Select |
| 1.70B | รถสามล้อเครื่อง | 431 | Select |
| 1.70E | รถสามล้อเครื่องขับเคลื่อนด้วยพลังงานไฟฟ้า | 538 | Select |
| 1.71 | รถสามล้อดัดแปลง | 431 | Select |
| 2.10 | รถยนต์นั่งไม่เกิน 7 ที่นั่ง(รับจ้าง) | 2,042 | Select |
| 2.20A | รถยนต์โดยสารไม่เกิน 15 ที่นั่ง(รับจ้าง) | 2,494 | Select |
| 2.20B | รถยนต์โดยสารไม่เกิน 20 ที่นั่ง(รับจ้าง) | 3,739 | Select |
| 2.20C | รถยนต์โดยสารไม่เกิน 40 ที่นั่ง(รับจ้าง) | 7,156 | Select |
| 2.20D | รถยนต์โดยสารเกิน 40 ที่นั่ง(รับจ้าง) | 8,080 | Select |
| 2.20E | รถโดยสารระหว่างอำเภอไม่เกิน 15 ที่นั่ง(รับจ้าง) | 1,699 | Select |
| 2.20F | รถโดยสารระหว่างอำเภอไม่เกิน 20 ที่นั่ง(รับจ้าง) | 2,429 | Select |
| 2.20G | รถโดยสารระหว่างอำเภอไม่เกิน 40 ที่นั่ง(รับจ้าง) | 4,094 | Select |
| 2.20H | รถโดยสารระหว่างอำเภอเกิน 40 ที่นั่ง(รับจ้าง) | 4,975 | Select |
| 2.40A | รถยนต์บรรทุกไม่เกิน 3 ตัน(รับจ้าง) | 1,892 | Select |
| 2.40B | รถยนต์บรรทุกไม่เกิน 6 ตัน(รับจ้าง) | 1,967 | Select |
| 2.40C | รถยนต์บรรทุกไม่เกิน 12 ตัน(รับจ้าง) | 2,128 | Select |
| 2.40D | รถยนต์บรรทุกเกิน 12 ตัน(รับจ้าง) | 2,719 | Select |
| 2.42A | รถยนต์บรรทุกน้ำมันไม่เกิน 12 ตัน(รับจ้าง) | 2,128 | Select |
| 2.42B | รถยนต์บรรทุกน้ำมันเกิน 12 ตัน(รับจ้าง) | 3,289 | Select |
| 2.50 | หัวรถลากจูง(รับจ้าง) | 3,396 | Select |
| 2.60 | รถพ่วง(รับจ้าง) | 646 | Select |
| 2.70A | รถสามล้อเครื่อง(รับจ้าง) | 1,548 | Select |
| 2.70B | รถสามล้อเครื่อง(รับจ้าง) | 431 | Select |
| 2.71 | รถสามล้อดัดแปลง(รับจ้าง) | 431 | Select |
| 3.10 | รถยนต์นั่งไม่เกิน 7 ที่นั่ง(รับจ้าง) | 2,042 | Select |
| 3.10E | รถยนต์นั่งไม่เกิน 7 คน ขับเคลื่อนด้วยพลังงานไฟฟ้า | 2,042 | Select |
| 3.20A | รถยนต์โดยสารไม่เกิน 15 ที่นั่ง(รับจ้าง) | 2,494 | Select |
| 3.20B | รถยนต์โดยสารไม่เกิน 20 ที่นั่ง(รับจ้าง) | 3,739 | Select |
| 3.20C | รถยนต์โดยสารไม่เกิน 40 ที่นั่ง(รับจ้าง) | 7,156 | Select |
| 3.20D | รถยนต์โดยสารเกิน 40 ที่นั่ง(รับจ้าง) | 8,080 | Select |
| 3.20E | รถโดยสารระหว่างอำเภอไม่เกิน 15 ที่นั่ง(รับจ้าง) | 1,699 | Select |
| 3.20F | รถโดยสารระหว่างอำเภอไม่เกิน 20 ที่นั่ง(รับจ้าง) | 2,429 | Select |
| 3.20G | รถโดยสารระหว่างอำเภอไม่เกิน 40 ที่นั่ง(รับจ้าง) | 4,094 | Select |
| 3.20H | รถโดยสารระหว่างอำเภอเกิน 40 ที่นั่ง(รับจ้าง) | 4,975 | Select |
| 3.40A | รถยนต์บรรทุกไม่เกิน 3 ตัน(รับจ้าง) | 1,892 | Select |
| 3.40B | รถยนต์บรรทุกไม่เกิน 6 ตัน(รับจ้าง) | 1,967 | Select |
| 3.40C | รถยนต์บรรทุกไม่เกิน 12 ตัน(รับจ้าง) | 2,128 | Select |
| 3.40D | รถยนต์บรรทุกเกิน 12 ตัน(รับจ้าง) | 2,719 | Select |
| 3.42A | รถยนต์บรรทุกน้ำมันไม่เกิน 12 ตัน(รับจ้าง) | 2,128 | Select |
| 3.42B | รถยนต์บรรทุกน้ำมันเกิน 12 ตัน(รับจ้าง) | 3,289 | Select |
| 3.50 | หัวรถลากจูง(รับจ้าง) | 3,396 | Select |
| 3.60 | รถพ่วง(รับจ้าง) | 646 | Select |
| 3.70A | รถสามล้อเครื่อง(รับจ้าง) | 1,548 | Select |
| 3.70B | รถสามล้อเครื่อง(รับจ้าง) | 431 | Select |
| 3.70E | รถสามล้อเครื่องขับเคลื่อนด้วยพลังงานไฟฟ้า | 1,548 | Select |
| 3.71 | รถสามล้อดัดแปลง(รับจ้าง) | 431 | Select |
| 4.01 | รถยนต์ป้ายแดง(การค้ารถยนต์) | 1,645 | Select |
| 4.06 | รถยนต์ที่ใช้ในการเกษตร | 98 | Select |
| 4.07 | รถประเภทอื่น ๆ | 829 | Select |
| 4.07C | รถประเภทอื่น ๆ (รับจ้าง/ให้เช่า) | 829 | Select |
| 4.07P | รถประเภทอื่น ๆ (ส่วนบุคคล) | 829 | Select |
