How to Avoid Penalties for Not Having Auto Insurance When Traveling in Thailand
Driving in Thailand can be a great way to see the country, but there are a few things you need to know before hitting the road. For example, did you know that if you don’t have auto insurance, you could be subject to some hefty penalties? In this blog post, we’ll tell you everything you need to know about getting auto insurance in Thailand so that you can avoid any unwanted surprises during your trip.
The first thing you need to know is that, unlike in many other countries, auto insurance is not mandatory at driver level in Thailand. However, they do ensure the vehicles so any vehicle you wish to drive, must have at least the compulsory insurance coverage.
About the compulsory requirement for the vehicle
Compulsory Motor Insurance, also known as “Por Ror Bor”, is a mandatory insurance required by law for all motor vehicles within Thailand. According to the Motor Victims Protection Act B.E. 1992, it came into effect on 5 April 1993 by requiring cars, including all types of motorcycles that are registered with the Department of Land Transport, and cars powered by electric engines or other energy to apply this “Compulsory Motor Insurance” to provide insurance coverage for everyone affected by car accidents, regardless of whether the person is a driver, a passenger, or a pedestrian. In the cases that involve a loss of life or body parts or health damage including the deceased person’s heir will also be covered, in the case of death. The premium for Compulsory Motor Insurance is collected by the car insurance companies and motor vehicle registration offices together with the vehicle registration fee. The payment can be made at one time or in installments not exceeding 12 times per year. Currently, there are 7 car insurance companies providing Compulsory Motor Insurance in Thailand as follows:
- Bangkok Life Asssurance
- Krungthai-AXA Life Insurance
- Generali Thailand
- Tokio Marine Life Insurance (Thailand) PCL
- Thai Cardif Life Assurance
- Thai Life Insurance Co., Ltd.
- SCB Life Assurance Public Co., Ltd.
For more information, please contact any of these companies or visit their website. However you may wish to consider a broker to get the best deal, Roojai Thailand have the best app and have a Western CEO so the international experience is better to others here in Thailand.
Getting Car Insurance in Thailand
Getting auto insurance in Thailand is actually quite easy; most major insurers offer policies specifically for travelers. The cost of your premium will depend on a number of factors, including your age, driving history, and the make and model of the car you’ll be driving. In general, though, premiums are quite affordable—especially when compared to the potentially devastating costs of being involved in an uninsured accident. So whether you’re planning on renting a car or bringing your own from home, make sure you’re properly insured before setting off on your Thai adventure.
Driving in Thailand can be a great way to see the country—but it’s important to make sure you have proper auto insurance before hitting the road. Without insurance, you could be on the hook for some hefty expenses if you’re involved in an accident that’s deemed to be your fault. Fortunately, getting auto insurance in Thailand is easy and relatively affordable. So don’t let yourself get caught without it—get insured before embarking on your Thai road trip!