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Motorcycle Compulsory Insurance Thailand (Por Ror Bor)
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Comprehensive Guide to Motorcycle Compulsory Insurance (Por Ror Bor) in Thailand
If you're planning to ride a motorcycle in Thailand, whether it's your own or a rental, 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 for motorcycles, including its coverage, costs, and how to obtain it.
What is Motorcycle Compulsory Insurance (Por Ror Bor)?
Motorcycle Compulsory Insurance, also known as Por Ror Bor, is the minimum legal requirement for all motorcycles 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 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 motorcycle, indicating that you've paid the road tax for your vehicle.
What Does Motorcycle Por Ror Bor Cover?
Coverage if You Are at Fault in an Accident:
- Medical expenses/Hospitalization: Up to 30,000 THB per person
- Death or dismemberment: Up to 35,000 THB per person
Total compensation: Up to 65,000 THB per person
Coverage if You Are Not at Fault in an Accident:
- Medical expenses/Hospitalization: Up to 80,000 THB per person
- Death or dismemberment: Up to 200,000 - 500,000 THB per person
- Cash compensation for hospitalization: 200 THB per day (up to 20 days)
Total compensation: Up to 504,000 THB per person
What's Not Covered by Motorcycle Por Ror Bor?
- Damage to your own motorcycle
- Damage to other people's property or vehicles
- Personal belongings on the motorcycle
- Any injuries or damages beyond the specified limits
How Much Does Motorcycle Por Ror Bor Cost?
Por Ror Bor for motorcycles is generally very affordable. However, the exact cost can vary depending on the motorcycle's engine size and usage. For specific pricing, it's best to check with insurance providers or use our online quoting system.
How to Apply for Motorcycle Por Ror Bor in Thailand
- Select Plans & Premiums: Choose the right plan for your motorcycle.
- Apply: Apply through our motorcycle compulsory insurance page or contact our customer service team.
- Submit Documents: Provide the necessary documents:
- Copy of your Passport or Thai Driving License
- Copy of your motorcycle registration or deed of sale
- Get Covered: Once confirmed, your coverage starts immediately.
Making a Claim
- Obtain a police report.
- Get treated at a hospital of your choice.
- Submit original receipts/bills and claim documents to your insurance company.
Alternatively, you can have the insurance company process the claim for you, or have the hospital submit the claim documents directly to the insurance company on your behalf.
Importance of Motorcycle Compulsory Insurance
- Protecting the Injured: Ensures timely medical attention for accident victims.
- Guaranteeing Payment of Medical Fees: Ensures hospitals receive payment for treating motorcycle accident victims.
- Government Welfare: Provides support to citizens affected by motorcycle 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 motorcycle in Thailand?
While Por Ror Bor meets the legal minimum requirement, it provides very limited coverage. Consider additional motorcycle insurance for more comprehensive protection.
Can I buy Motorcycle Por Ror Bor online?
Yes, many insurance providers, including our platform, offer online purchasing options for Motorcycle Por Ror Bor.
How often do I need to renew Motorcycle Por Ror Bor?
Motorcycle Por Ror Bor needs to be renewed annually before paying the annual motorcycle/road tax.
What happens if my motorcycle is found without insurance?
Riding a motorcycle without Por Ror Bor is illegal in Thailand and can result in fines of up to 10,000 THB and other legal penalties.
Who is responsible for obtaining the insurance?
The motorcycle owner, hire-purchaser, or the owner of motorcycles registered in foreign countries but used in Thailand is responsible for obtaining the Compulsory Motor Insurance policy.
Remember, while Compulsory Motor Insurance (Por Ror Bor) is mandatory for motorcycles, it provides only basic coverage. As a responsible rider, 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?
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 motor 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 motor 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 motorcycle owner, a motorcycle hire buyer, or the motorcycle 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 motorcycle/road 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 motorcycle 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.