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, 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

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

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.

Frequently asked questions

What is Compulsory Motor Insurance?