Motor Insurance in Thailand

In Thailand, there are 2 main categories of motor or car insurance. 

Compulsory Insurance

This is the basic insurance required by law. Compulsory Motor Insurance (CMI or Por Ror Bor) covers the medical costs of road accident victims and does not cover any kind of vehicle damage. It is required to have a CMI policy in order to be able to renew your yearly vehicle tax.

Voluntary Insurance

You are strongly advised to purchase voluntary cover, which comes in 3 main classes;

• Class 1: Known as full comprehensive insurance, covers vehicle, life and injury of driver, passengers and third party property damage and liability.
• Class 2: Known as collision coverage will cover the repairs to vehicles when involved in an accident.
• Class 3: Covering life and injury of driver, passengers and third party property damage and liability.

Ever since the massive floods in 2011, many non-life insurers came up with packages with the inclusion of flood coverage.

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There are plenty of insurers to choose from as there are around 70 non-life (general) insurance companies in Thailand. Shop around and the first place to start is via online comparison websites. Such websites offer instant quotes from many brands. You will be able to compare and renew your insurance policy either online or via the telephone.