Car Compulsory Insurance Thailand (Por Ror Bor)

Highlights

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 (effective 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 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 (regardless of fault)

• 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

1. Select Plans & Premiums: Choose the right plan for your vehicle.
2. Apply: Apply through our website or contact our customer service team.
3. 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
4. Get Covered: Once confirmed, your coverage starts immediately.

Making a Claim

1. Contact your insurance company immediately after an accident.
2. File a police report within 24 hours of the accident.
3. 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

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 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 April 5, 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 injuries to individuals caused by a car accident. This includes the driver, passengers, pedestrians, and—in the event of death or loss of body parts—coverage for the deceased person’s heirs. Property damage (your own or others’) is not covered.

What is the maximum coverage amount?

Coverage limits are capped per person under Por Ror Bor. For broader protection, car owners are encouraged to purchase voluntary car insurance.

Who is responsible for obtaining the insurance?

The car owner, a hire-purchase buyer, or the car owner bringing a foreign-registered car to use in Thailand is responsible for obtaining Por Ror Bor.

Is the policy renewable?

Yes. The policy must be renewed annually before paying the annual car tax.

What happens if a vehicle is found to be without insurance?

Any violation of the Compulsory Motor Insurance requirement can result in a fine of up to 10,000 THB.

Is it enough to buy only compulsory insurance in Thailand?

No. 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. You can learn more here: car insurance Thailand.

Remember: while Por Ror Bor is mandatory, it provides only basic coverage. As a responsible driver, consider additional insurance options to ensure comprehensive protection for yourself, your passengers, and others on the road.