The Ultimate Guide to Motorcycle Insurance in Thailand
Looking for affordable and comprehensive motorcycle insurance in Thailand? You've come to the right place! At CheckDi, we offer motorcycle insurance starting at just 1,000 baht annually. This guide will walk you through everything you need to know about motorcycle insurance in Thailand, from types of coverage to how to apply and save money.
Buy Motorcycle Insurance Online & Save Today
We can swiftly help you find more affordable motorcycle insurance in Thailand by comparing options. All we require is some basic information about you and your bike:
Details about your motorcycle
Make, model, and year of your motorcycle, plus any modifications.
Your contact details
Simply your phone number or email address will do.
Coverage preferences
What type of motorcycle insurance do you have in mind: 1, 2+, 3+, or 3?
Types of Motorcycle Insurance in Thailand
Motorcycle insurance in Thailand can be classified into voluntary and compulsory insurance, which we often call Por Ror Bor. You'll need at least the Por Ror Bor - it's mandatory, and you can't legally ride without it. You'll also need Compulsory Motorcycle Insurance to extend your road tax sticker with the Department of Land Transport.
Most comprehensive motorcycle insurance in Thailand. This is typically for bikes below 5 years of age and 250 cc and above.
What's usually covered
- 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
- Negligence
- Wear and tear
- Invalid driving license
- Driving under the influence of alcohol or any illegal drugs
Third-party, fire and theft plus vehicle-to-vehicle damage repairs. Suitable for new bikes up to 5 years of age.
What's usually covered
- Damages from vehicle-to-vehicle collision
- Fire and Theft
- Liability damage caused
- Driver/passenger accident cover
- Bail Bonds
What's usually not covered
- 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
Third-party only, plus vehicle-to-vehicle damage repairs. Suitable for new bikes up to 5 years of age.
What's usually covered
- Damages from vehicle-to-vehicle collision
- Liability damage caused
- Driver/passenger accident cover
- Bail Bonds
What's usually not covered
- Damages from other collision accidents, such as falling trees, rocks, property
- Fire and Theft
Third-party only. This is the only insurance available for bikes over 5 years of age.
What's usually covered
- Liability damage caused
- Driver/passenger accident cover
- Bail Bonds
What's usually not covered
- Damages from vehicle-to-vehicle collision
- Damages from other collision accidents, such as falling trees, rocks, property
- Fire and Theft
This is the minimum legal requirement for all motorcycles in Thailand.
What does compulsory insurance cover
Por Ror Bor motorcycle insurance provides coverage in 2 main parts:
Part 1 (for everyone involved in the accident):
- Medical Expenses for injury up to 30,000 Baht per person
- Compensation for loss of vital organ and permanent disability up to 35,000 Baht per person
- Compensation for Death up to 35,000 Baht per person
Part 2 (only for the party 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 vital organs (varying amounts)
- Daily compensation for inpatient or emergency room
How Much Does Motorcycle Insurance in Thailand Cost?
The cost of your motorcycle insurance in Thailand varies based on factors like your bike's make, model, and your riding history. Here's a quick overview of what you might expect to pay:
Cost of Type 1 Motorcycle Insurance
Expected Premium: 12,000 baht ++ (depending on Motorcycle Group)
Starting at 9,000 baht
Cost of Type 2+ Motorcycle Insurance
Expected Premium: 3,000 baht ++
Starting at 2,500 baht
Cost of Type 3+ Motorcycle Insurance
Expected Premium: 2,500 baht ++
Starting at 1,800 baht
Cost of Type 3 Motorcycle Insurance
Expected Premium: 1,500 baht ++
Starting at 1,000 baht
How to Get Cheaper Motorcycle Insurance
Excess or Deductible
Choosing a higher deductible can lower your premium. But make sure you can afford the higher out-of-pocket expense if you need to make a claim.
Dealership and Garage Repairs
While the Dealership Repair plan will repair your motorcycle at official brand dealerships with original manufacturer parts, Garage Repair may use aftermarket parts for your repairs. Garage repair plans are often significantly cheaper.
Limiting your mileage
A shorter distance ride means less risk of accidents. Selecting a policy with a kilometer limit can greatly impact your premium. This option might not be available for all motorcycles.
Named Rider
By naming no more than two riders on your policy, you can often lower your insurance cost premium.
Maintaining a clean riding record
Having a clean driving record will ensure your renewal premium stays low. Some insurers offer no-claims bonuses for accident-free years.
Special Coverage and Additional Extras
24/7 Roadside Assistance cover
This can include services like towing, battery jump-starts, flat tire changes, fuel delivery, and lockout services.
Accidental Cover for damages to tires, battery, lubricant & coolant
Some plans offer coverage for parts prone to wear and tear, even in accidents.
Courtesy motorcycle Cover
Some policies cover the cost of a replacement vehicle while yours is being repaired.
Theft Cover for belongings
Some plans extend coverage to your personal belongings on the motorcycle.
Charging Equipment Cover
For EV motorcycles, some plans cover charging equipment and related liabilities.
How to Apply for Motorcycle Insurance in Thailand
- Compare Plans & Premiums: Select the plan that is right for you.
- Apply: Apply through our website or contact our customer service team.
- Submit Documents: Send us the following:
- Copy of your Passport or Thai Driving License
- Copy of your green book or registration or deed of sale
- Get Covered: Once confirmed, your coverage starts immediately.
Frequently Asked Questions
What is the difference between 3rd, 2nd, and 1st class insurance?
First class insurance is comprehensive and covers the bike and third party. 2nd and 3rd class usually just cover third party liability, with 2nd class offering some partial coverage for the bike.
What is Dealer and Garage coverage for motorcycle insurance?
Dealer coverage allows repairs at official brand dealerships, while Garage coverage uses contracted garages. Dealer coverage is typically more expensive.
If I buy now, will I be covered today as well?
Yes, if your coverage start date is today and you've paid, you're immediately covered.
Is there a hotline for emergencies?
Yes, every insurance company is required to have an emergency hotline.
Do you have to put a named rider, or can my spouse drive the bike too and still be covered?
Your spouse or partner can also drive the bike and still be covered.
Is there a no-claim bonus?
No-claim bonuses are typically only available for First class insurance (Class 1), and policies vary by company.
Buy Your Insurance with Confidence
CheckDi is certified by OIC, secured by Comodo, and verified by DBD.
Remember, while finding affordable insurance is important, it's crucial to choose a policy that provides adequate protection for your needs. Always read the policy details carefully and consult with an insurance professional if you have any questions.
