Car Insurance & Compulsory Motor Insurance (Por Ror Bor)

Voluntary car insurance is an optional coverage that car owners can purchase in addition to the Compulsory Motor Insurance (Por Ror Bor). It provides protection for the vehicle, the driver's life, and the property of third parties. There are several types of voluntary insurance, including Class 1, 2+, 2, 3+, and 3, each offering different levels of coverage depending on the needs and budget of the car owner.

Details of Voluntary Car Insurance:

It is not legally required; car owners may choose to purchase it or not.
Multiple types are available, such as Class 1, 2+, 2, 3+, and 3, with varying coverage levels.
Provides protection for vehicle damage, life and property of third parties, and, depending on the plan, damage from natural disasters.
Coverage limits and conditions can be selected according to the offerings of the insurance company.

Compulsory Motor Insurance (Por Ror Bor)
Compulsory Motor Insurance, required by law for all vehicles, provides coverage for medical expenses and compensation for victims of car accidents. It does not cover damage to the insured vehicle.

First-Class Insurance (Type 1)

Covers damage to your car (accidents, collision, overturning)
Theft and fire coverage
Natural disasters (floods, storms, earthquakes)
Third-party property and bodily injury
Medical expenses for driver & passengers
Personal accident & bail bond coverage
24-hour roadside assistance (selected insurers)
Choice of authorized repair centers or garages

Premiums start from approx. 12,000 THB, depending on vehicle and conditions

Second-Class Plus Insurance (Type 2+)

Covers car-to-car collisions only
Theft and fire coverage
Third-party liability (property & bodily injury)
Medical expenses for driver & passengers
Personal accident & bail bond coverage

Premiums start from approx. 7,000 THB, depending on vehicle

Third-Class Plus Insurance (Type 3+)

• Covers repair costs for your car only when colliding with another vehicle

• Third-party property and bodily injury

• Medical expenses for driver & passengers

• Personal accident & bail bond coverage

• Does not cover theft, fire, flood, or collisions with non-vehicles

Premiums start from approx. 6,000 THB

Third-Class Insurance (Type 3)

Third-Class Insurance is the most affordable option, suitable for those who want coverage only for damage to third parties, without protection for their own vehicle.

Most affordable option
Covers only third-party property and bodily injury
Medical expenses for driver & passengers
Personal accident & bail bond coverage
Does not cover damage to your own car, theft, fire, or flood

Premiums start from approximately 2,000 THB, depending on vehicle and conditions

Compulsory Motor Insurance (Por Ror Bor)

This insurance is required by law for all vehicles in Thailand. It covers injuries and fatalities from road accidents, regardless of fault.

Coverage under the Compulsory Motor Insurance (Por Ror Bor)

Medical expenses: up to 30,000 THB per person

Compensation for death or permanent disability: up to 35,000 THB per person

Additional compensation (if not at fault):

Medical expenses up to 80,000 THB per person
Death compensation up to 500,000 THB per person
Covers all situations, regardless of who is at fault.

Does not cover damage to the insured vehicle

R.M. Consultant Insurance Broker

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