Car Insurance Thailand

Main Points of Car Insurance Thailand

What type of car insurance do I need?

The best car insurance for you is an affordable car insurance with the coverage you need. The cheapest option is not always the best car insurance for you.

Car insurance in Thailand can be classified into voluntary and compulsory insurance, which we often call Por Ror Bor.

You will need at least the Por Ror Bor. It's mandatory, and you can't legally drive without it. You will also need compulsory car insurance to extend your road tax sticker with the Department of Land Transport.

What are the different types of car insurance in Thailand?

• Type 1 Car Insurance: Most Comprehensive car insurance in Thailand.
• Type 2+ Car Insurance: Third-party, fire and theft plus vehicle-to-vehicle damage repairs
• Type 3+ Car Insurance: Third-party only, plus vehicle-to-vehicle damage repairs
• Type 3 Car Insurance: Third-party only
• Compulsory Car Insurance: Por Ror Bor is Legally required for all cars in Thailand.

It is legally required for all vehicles in Thailand.

What is voluntary car insurance in Thailand?

Voluntary car insurance in Thailand offers additional coverage beyond mandatory compulsory insurance (Por Ror Bor). This optional vehicle insurance provides high sum insured protection for various scenarios, including:

• Damage to the insured vehicle (at fault or not)
• Third-party vehicle damage (when at fault)
• Injury liability from accidents
• Theft, fire, or natural disaster protection
• Bail Bond

What are the different types of car insurance I can buy in Thailand?

CheckDi offers five main types of Thailand Car Insurance:

Type 1 Insurance

Most Comprehensive car insurance in Thailand.

This coverage covers all collision damage and damages you cause to others. It also covers fire, theft, flood, and other natural perils.

What's usually covered

All policies differ, but, in general, a Type 1 car insurance policy will include coverage and compensation for:

• Damages from vehicle-to-vehicle collision
• Damages from other collision accidents, such as falling trees, rocks, property
• Fire and Theft
• Flooding
• liability damage caused
• Driver/passenger accident cover
• Bail Bonds

What's usually not covered

Your policy will also list exclusions for which you won't be covered. Some typical exclusions are:

• Negligence
• Wear and tear
• Invalid driving license
• Driving under the influence of alcohol or any illegal drugs

Type 2+ Insurance

Third-party, fire and theft plus vehicle-to-vehicle damage repairs

This coverage covers damages you cause to others, protection for your vehicle in case of collisions with other vehicles, and coverage for fire and theft.

What's usually covered

All policies differ, but, in general, a Type 2+ car insurance policy will include coverage and compensation for:

• Damages from vehicle-to-vehicle collision
• Fire and Theft
• liability damage caused
• Driver/passenger accident cover
• Bail Bonds

What's usually not covered

Your policy will also list exclusions for which you won't be covered. Some typical exclusions are:

• Damages from other collision accidents, such as falling trees, rocks, property
• Wear and tear
• Invalid driving license
• Driving under the influence of alcohol or any illegal drugs

Type 3+ Insurance

Third-party only, plus vehicle-to-vehicle damage repairs

This type of policy offers a balance between protection and affordability. It covers damages you cause to others and provides limited coverage for your vehicle in case of collisions.

What's usually covered

All policies differ, but, in general, a Type 3+ car insurance policy will include coverage and compensation for:

• Damages from vehicle-to-vehicle collision
• liability damage caused
• Driver/passenger accident cover
• Bail Bonds

What's usually not covered

Your policy will also list exclusions for which you won't be covered. Some typical exclusions are:

• Damages from other collision accidents, such as falling trees, rocks, property
• Fire and Theft

Type 3 Insurance

Third-party only

This basic coverage focuses on protecting others from damages you might cause. It's a more affordable option, but it does not offer protection for your own vehicle.

What's usually covered

All policies differ, but, in general, a Type 3 car insurance policy will include coverage and compensation for:

• Liability damage caused
• Driver/passenger accident cover
• Bail Bonds

What's usually not covered

Your policy will also list exclusions for which you won't be covered. Some typical exclusions are:

• Damages from vehicle-to-vehicle collision
• Damages from other collision accidents, such as falling trees, rocks, property
• Fire and Theft

Compulsory Car Insurance

Compulsory Car insurance is mandatory. It's the minimum legal requirement for all vehicles in Thailand. It provides essential protection for injuries to others and not for any vehicle damage.

What does compulsory insurances covered

Por Ror Bor car insurance will provide coverage in 2 main parts.

The first part will provide cover everyone involved in the accident with the following coverage:

• Medical Expenses for injury up to 30,000 Baht per person
• Compensation for loss of vital organ and permanent disability is up to 35,000 Baht per person
• Compensation for Death up to 35,000 Baht per person

The second part of the coverage is only for when you are not at fault for the accident:

• Medical Expenses up to 80,000 Baht per person
• Compensation for Death up to 500,000 Baht per person
• Compensation for loss of 2 vital organs up to 500,000 Baht/1 vital organs up to 250,000 Baht/finger or more up to 200,000 Baht
• Daily compensation for inpatient or emergency rooms is 200 baht per day up to the 20-day limit of 4,000 baht per year.

How much does Car insurance in Thailand Cost

The cost of your car insurance in Thailand is calculated from statistics depending on the type of car you are getting your car insurance for. Insurance companies can define cars into different Car Groups depending on their repair cost and their driver's segments to further differentiate their premiums for each car insurance.

To keep it simple we have accumulated a list of premiums you can expect to pay for each type of car insurance available in Thailand.

Type 1 Car insurance

• Expected Premium: 10,000 ++ (depending on Car Group)
• Starting at 5,000 with limit to mileage

Type 2+ Car Insurance

• Expected Premium: 6,000 ++
• Starting at 5,500

Type 3 + Car Insurance

• Expected Premium: 5,000 ++
• Starting at 4,500

Type 3 Car insurance

• Expected Premium: 2,500 ++
• Starting at 1,950

How to Get Cheaper Car Insurance in Thailand

There are several ways to lower your car insurance premium without compromising on essential coverage:

• Choose a higher excess/deductible
• Consider garage repair plans instead of dealership repairs
• Limit your annual mileage
• Name only primary drivers on your policy
• Maintain a clean driving record

These are just a few strategies to help you save. For a comprehensive guide on lowering your car insurance premium, including advanced tips and detailed explanations, check out our complete guide to lowering car insurance premiums in Thailand.

Special Coverage and Additional Extras

To get the most out of your type 1 car insurance there are multiple additional coverage that some selected plan or provide might also give you.

24/7 Roadside Assistance cover

Things like Towing services, Battery jump-starts, Flat tire changes, Fuel delivery, and Lockout services can be included as well.

*Note that all Type 1 policies already have towing service coverage in case of accidents as basic coverage. The 24/7 Roadside Assistance cover is to give you coverage on other occasions.

Accidental Cover for damages to tires, battery, lubricant & coolant

Most insurance companies will not provide coverage for your car, which is prone to wear and tear at 100%, even when an accident happens. Some do so and look out for such plans.

Replacement Car Cover

If your car is out of action following a car accident, while most companies will provide compensation for your transportation, some even cover the cost of a replacement vehicle while yours is being repaired.

Theft Cover for belongings

As Car insurance is an insurance to provide coverage for you and the driver, some plans extend there coverage to your belongings in your car as well.

Charging Equipment Cover

Specifically for EV and hybrids some plans will extend their coverage to also include your Charging Equipment. This could be things like the charging cable, electric vehicle charger at home and even third party liability from electric vehicle charging accidents in some cases.

Can I buy EV car insurance at CheckDi

Yes, you can buy electric vehicle (EV) insurance at CheckDi. In fact, CheckDi specializes in EV motor insurance, recognizing the unique needs of electric vehicle owners.

EV motor insurance can differ from traditional car insurance in several ways. The coverage often includes specific protections for EV components such as the battery pack, charging equipment, and electrical systems. These parts are typically more expensive to repair or replace than those in conventional vehicles.

Another key difference lies in the named drivers section. EV policies may offer less flexibility in adding drivers, considering that electric vehicles are often shared within households due to their eco-friendly nature and potentially lower running costs, but increasing the risk factor, EV policies are required to name only up to 5 drivers under their policy.

For more details on CheckDi's EV insurance offerings, visit EV Car Insurance.

Which car insurance company is the best?

When you're shopping for car insurance, it's smart to hunt for the best coverage you can get at a price that won't break the bank. Don't worry - all the insurance companies we list on our website are hand-picked and have proven themselves trustworthy over the years we've worked with them.

Now, here's a little insider tip: sometimes the bigger insurance providers can be a bit more generous when it comes to claims. They might have more wiggle room to work with.

So, to help you out, we've put together a list of the Top 5 car insurance companies in Thailand. These are the cream of the crop when it comes to any car insurance coverage.

• Viriyah Insurance Public Company Limited
• Tokio Marine Safety Insurance (Thailand) Public Company Limited
• Bangkok Insurance Public Company Limited
• Thanachart Insurance Public Company Limited
• Muang Thai Insurance Public Company Limited

Learn more about each company and many others in our car insurance company guilds here.

Steps to apply for Car insurance in Thailand

Buying car insurance is simple & easy

To apply for car insurance, we will need the documents from you as below (This applies to every insurance companies) :

1. Apply through our website or contact a customer service representative.
2. Submit a copy of your Passport or Thai Driving License.
3. Submit a copy of your Green book or Registration or Deed of Sale.
4. Pay Invoice Premium
5. You’re covered.
6. The original documents (policy) will be sent to your mailing address within 7-14 days

*Some insurance companies ask for pictures of your car, but most insurance company schedule and inspection date most especially with First class insurance.

You can send addtional documents to us by LINE Chat with us or by Email support@checkdi.com

Frequently Asked Question

What is the difference between 3rd, 2nd and 1st class insurance?

First class insurance is comprehensive and covers the car and third party as well. For the others, 2nd and 3rd class usually just covers third party liability. 2+ and 3+ class still has partial coverage for your car but 3rd class mostly is for third party liability.

What is Dealer and Garage coverage for car insurance mean ?

When buying Class 1 (First Class) car insurance, you can always choose between Dealer or Garage coverage. Meaning that when you have been in an accident, if you have a dealer car insurance policy and you drive a Toyota, you can take your car into Toyota Dealer to get reparied but if you have a Garage policy, you will need to go to a normal contacted garage. Car insurance with dealer type of coverage is of course will be more expensive than the normal garage coverage.

If I bought Type 1 Car Insurance, would I have coverage right away?

Yes, You will have coverage right away( After you receive confirmation email from CheckDi ) for third party liability and damages from vehicle to vehicle collision. Coverage form damages due to collision without a third party or self inflicted accident will become active only after you pass the car inspection.

If I were to be in an accident and the car cannot move - will 1st class insurance cover the towing of the car?

Yes. Class 1 insurance will tow your car to the nearest garage or dealer that you wish if and only if you have been involved in an accident only (Different to the Roadside Service coverage)

If I buy now will I be covered today as well?

Yes, if your coverage start date is today, your accidents will immediately be covered. As long as you have already paid, then coverage is already guaranteed.

Is there a hotline for emergencies?

Every insurance company is required to have a Emergency hotline.

Can I put a name driver? Will this be cheaper?

In some cases, yes it will be cheaper. however, the premiums on our website are campaign premiums and this is already cheaper than what insurance companies offer. However, if you want to name drivers, you can name up to 2 drivers and the premium sometimes will be cheaper but that means only the drivers that are nammed can drive the car only.

Will this provide coverage for when I hit a property or a person?

Yes, all of these insurance policies provide cover for public liability or third party property insurance.

What insurance should I get?

What we always recommened is to always go for Class 1 (First class) as this will cover you the most. However, if you only want partial coverage for damages for you car, you can always go for class 2+ and 3+. And last, if you want only third-party cover you can always go for Class 3 (Third Class).

What are the qualified car ages for these insurance classes ?

This will depend on the insurance companies and their premium campaign, however more or less for Class 1 (First Class), the qualified will be between 1-10 years old. Class 2+ and Class 3+ will be between 1 - 15 years old and Class 3 will have the age limit of 25 years old.

Is there a no-claim bonus ?

No-claim bonus will only be available for First class insurance (Class 1) If you haven't made any claims on your policy, you will get a no-claim bonus of 20% every year until your no-claim bonus reaches 50% *This will depends on the guidelines of each insurance company, some companies offer a no-claim bonus and some don't.

If I have a dashboard camera, can I apply for discount?

Not all companies have implemented this as of now, but there are some companies that provide discounts for cars that have dashboard cameras. You can select the dashcam option when comparing and quoting through our comparison service.

How long until I get my original policy ?

You will receive 2 sets of documents (PDF and original documents)

We will send the PDF documents set by LINE or Email within 1-2 days, in which you can print this and keep in with you (or in your vehicle) as this will be your temporary policy (any emergencies or accidents, this document will be enough)

For the original documents set, you will get them within 7-14 working days. We will send them to your mailing address that you have specify. In the mean time, your car is already covered and you can call the hotline for emergencies and accidents.

How to contact you ?

You can always call us at our Hotline : 02-985-9000 or Chat with us LINE@ @checkdi or Email us : support@checkdi.com

Office hours Mon-Fri : 08:00 - 17:30