Whether you’re living in Thailand short-term or long-term, buying the right car insurance can save you time, money, and stress. Here’s what you need to know:
1. Know the Two Types of Insurance
Compulsory Insurance (Por Ror Bor):
Legally required for all vehicles. Covers basic medical expenses for injuries or death from accidents. You must have this to renew your car tax annually.
Voluntary Insurance:
Optional but highly recommended. Comes in various types (Type 1, 2+, 3+, etc.), and can cover everything from third-party damage to full protection including theft, fire, and collision.
2. Choose the Right Type of Voluntary Insurance
Type 1:
Best coverage (own damage, theft, fire, third-party, flood, etc.). Ideal for newer or high-value cars.
Type 2+ or 3+:
More affordable, limited own damage if another vehicle is involved.
Type 3:
Basic third-party only—budget option, not recommended for expats unfamiliar with Thai roads.
3. Use an English-Speaking Insurance Broker
Language barriers can cause misunderstandings in coverage, exclusions, or claims.
Work with a reputable English-speaking broker who can:
- Compare quotes from multiple insurers
- Explain terms clearly
- Assist with claims if needed
4. Don’t Just Choose the Cheapest
Low premiums can mean:
- High deductibles (excess)
- Weak coverage
- Limited garage options
Always check:
- What’s covered (and what’s not)
- Garage network: preferred or authorized service centers
- Deductible terms
- 24/7 claims support and surveyor availability
5. Have the Required Documents Ready
To buy car insurance in Thailand, you’ll need:
- Vehicle registration book (Blue Book or “Lem Tabian”)
- Copy of passport and visa
- Thai driver’s license (sometimes accepted with international license)
6. Understand the Claim Process
If there’s an accident:
- Stay calm and contact your insurer immediately
- They will usually send a surveyor to the scene
- Don’t move the car unless instructed or safe to do so
- Call the police if the third party is involved
- Always keep a copy of your insurance policy and registration in the vehicle
7. Consider Add-Ons
Some policies offer extras like:
- Personal Accident Cover (PA) for passengers
- Roadside assistance
- Bail bond in case of criminal charges
These can be valuable in Thailand’s traffic environment.
8. Vehicle Age Matters
Some insurers won’t offer Type 1 coverage for cars over 7–10 years old.
If you own an older car, you might be limited to Type 2+, 3+, or 3.
9. Renewal Reminders
Most policies are annual. Set reminders or use a broker to help with:
- Timely renewals
- Comparing new quotes
- Avoiding lapses in coverage
10. Stay Legal
Driving without valid insurance (Por Ror Bor) or road tax is illegal.
Police can fine you, and you may be held personally liable in case of an accident
🛡️ Final Advice:
Buying car insurance in Thailand as a foreigner doesn’t need to be complicated. Use a trusted broker, read the fine print, and prioritize reliable coverage over the cheapest premium. It’s worth it for your peace of mind on Thailand’s busy roads.
