Lambert Brothers Insurance Broker (Thailand) Co., Ltd

บริษัท แลมเบิร์ท บราเธอร์ อินชัวรันส์ โบรคเกอร์ (ประเทศไทย) จำกัด

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+66 76 608 803

Vehicles Insurance

Vehicles Insurance

Motor (Car and Motorcycle) Insurance

In Thailand, car insurance is categorized mainly into five types (Type 1 to Type 3+ and Compulsory), each offering different levels of coverage. Here's a breakdown:

Compulsory Third-Party Insurance (CTPL or Por Ror Bor)

  • Mandatory by law for all vehicles.
  • Covers bodily injury or death of third parties (including passengers and pedestrians).
  • Does not cover damage to vehicles or property.
  • Issued annually and required to renew your vehicle registration.

Voluntary Insurance

There are four main types of voluntary car insurance:

Type 1 Insurance (Comprehensive)
  • Comprehensive.
  • Covers:
    • Own vehicle damage (even if at fault)
    • Third-party property damage
    • Theft, fire, natural disasters
    • Hit-and-run, vandalism
    • Personal accident, medical expenses
  • Ideal for new or high-value cars.
Type 2+ Insurance
  • More affordable than Type 1.
  • Covers:
    • Own vehicle damage (only if there’s a third party involved and identifiable)
    • Third-party liability
    • Theft, fire
  • Does not cover single-car accidents or vandalism.
Type 2 Insurance
  • Covers:
    • Third-party liability
    • Theft, fire
  • Does not cover damage to your car from an accident.
Type 3+ Insurance
  • Budget-friendly alternative to Type 1 and 2+.
  • Covers:
    • Third-party liability
    • Own vehicle damage (only if third party is identifiable)
  • Does not cover theft or fire.
Type 3 Insurance
  • Basic voluntary insurance.
  • Covers:
    • Third-party bodily injury and property damage
  • Does not cover your own vehicle at all.