1. What Is Compulsory Car Insurance (Por Ror Bor)?
In Thailand, Por Ror Bor is the mandatory insurance that every vehicle must have before it can be legally registered. It’s provided under the Motor Vehicle Accident Victims Protection Act and ensures that anyone injured in a car accident—regardless of fault—receives medical care and compensation.
Key Features:
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Covers medical expenses, disability, and funeral costs for accident victims
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Valid for one year and renewed annually
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Required for vehicle tax renewal
💡 Typical cost: Around 600–1,000 THB per year for most cars
2. Voluntary Car Insurance: What Are the Options?
In addition to the mandatory insurance, drivers in Thailand can choose from several levels of voluntary insurance for added protection. These are classified as Type 1, 2+, 2, 3+, and 3.
Type 1 Insurance – Full Coverage
The most comprehensive option. Covers:
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Damage to your own vehicle (even if you’re at fault)
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Third-party property and bodily injury
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Fire, theft, and flood damage
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Personal accident for driver and passengers
💡 Ideal for new or high-value cars
Type 2+ Insurance
Offers good protection but only covers accidents involving another vehicle. Includes:
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Third-party injury and property
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Fire and theft
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Some own-vehicle damage (limited)
💡 More affordable than Type 1
Type 3+ and Type 3 Insurance
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Type 3+ covers third-party and some own-vehicle damage (only in collisions)
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Type 3 covers only third-party injury and property damage
💡 Best for older vehicles or budget-conscious drivers
3. How Much Does Car Insurance Cost in Thailand?
Car insurance premiums vary depending on:
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Car model and age
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Driver’s history
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Type of coverage
Here’s a general price range (per year):
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Type 1: 10,000–30,000 THB
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Type 2+: 6,000–12,000 THB
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Type 3+ / 3: 2,000–6,000 THB
💡 Discounts may apply if you install a dashcam or choose a higher deductible.
4. Tips for Choosing the Right Car Insurance
✅ Compare plans online using sites like Roojai, TQM, or MrKumka
✅ Choose between authorized garages or official dealers for repairs
✅ Always read the fine print, especially exclusions and claim limits
✅ Consider naming drivers to lower risk-based premiums
If you’re an expat, look for English-language support and insurers familiar with foreign driver needs.
5. What to Do After an Accident?
Most insurance providers offer 24/7 hotlines. In case of an accident:
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Take photos of the scene and damages
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Contact your insurer immediately
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File a police report if needed
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Follow the insurer’s claim process (they may send a surveyor on-site)
Insurers in Thailand are generally fast with claims—many offer mobile apps for quick submission and tracking.
Final Thoughts
Car insurance in Thailand is more than a legal requirement—it’s a vital protection for yourself, your passengers, and your peace of mind. Whether you go for basic coverage or a premium Type 1 plan, make sure your policy suits your lifestyle, driving habits, and vehicle value.
Drive safe, stay covered, and enjoy your journey through Thailand’s beautiful roads!
