Foreign Vehicle Insurance In Thailand: Car/Motorcycle Coverage
Having a foreign vehicle and personal travel insurance in Thailand is really important and some even choose not to have one but honestly, accidents do happen and they also seem to happen when you least expect it & least need it.
Medical, and vehicle damage repair bills can cost a fortune abroad and by having personal and vehicle insurance coverage in Thailand, you can have peace of mind.
Article Contents
Foreign Vehicle Insurance In Thailand Details
As a part of preparing for the Thailand Border Crossing By Car Or Motorcycle, getting insurance coverage for vehicles is very important. Those who had been travelling in Thailand knew how complicated it can be if one is involved in an accident especially when you don’t have insurance coverage.
Required Insurance To Drive/Ride Into Thailand
You will need the following insurance for proper coverage whilst riding/driving in Thailand.
- Compulsory Insurance
- Voluntary Insurance
- Endorsement 101 (Malaysian Vehicle Only)
- Personal Travel Insurance
1. Compulsory Insurance (CI / Por Ror Bor)
Compulsory Insurance (CI) provides a certain amount of medical compensation (Usually up to THB 80K) for any person who encounters accidents with vehicles on the road in Thailand.
Please note it is a legal requirement (Motor Vehicle Accident Victims Act 1992) in Thailand for vehicles to have Compulsory Insurance (CI).
2. Thailand Voluntary Insurance
Voluntary Insurance provides Thailand’s property/vehicle damages coverage due to an accident in Thailand and it is divided into three different classes.
Note: Class 1 is only offered to Thai-registered vehicles. Class 2 & 3 are offered to foreign registered motorcycles and only Class 3 for foreign registered Cars/MPV/SUVs.
| Type | Coverage |
|---|---|
| Class 1 insurance | Covers Own Vehicle and Third Party Property Damage and Bodily Injury and loss due to Fire and Theft and Natural Disasters like a flood. It also specifically covers collisions, accidents, Window Breakage and Towing expense. |
| Class 2+ insurance | A similar cover to Type 1, but with a limit to cover on Own Vehicle Damage and excluding Own Vehicle Damage due to Self-Accident (e.g. driving into a car park wall). |
| Class 3+ insurance | Covers Third Party Property Damage and Excess Third Party Bodily Injury as well as limited coverage for Own Vehicle Damage due to Collisions only. |
| Class 2 insurance | Commonly referred to in other countries as Third Party, Fire & Theft, Type 2 covers Third Party Property Damage, Excess Third Party Bodily Injury and loss due to Fire and Theft. |
| Class 3 insurance | Covers the costs of Third Party Property Damage and Excess Third Party Bodily Injury. |
3. Endorsement 101 extension (Malaysian Vehicle Only)
Endorsement 101 provides an extension of your Malaysian comprehensive insurance for use in Thailand. More details about this extension can be found in the FAQ section.
4. Personal Travel Insurance
Medical bills in Thailand can cost a lot for foreigners and therefore, please get travel insurance for yourself and/or your passenger(s).
Thailand Vehicle Insurance Pricing?
Below is the minimum pricing for both Compulsory and Voluntary insurances package based on your vehicle. You can convert the pricing to your local currency here.
Where Can I Buy Thailand Foreign Vehicle Insurance Online?
You can purchase both Compulsory and Voluntary insurance via GoThai which is a registered agent.
You can contact them via WhatsApp at GoThai to buy or ask for further information about the latest pricing of the insurance etc. Alternatively, you can scan the QR code below:
I recommend them because they are reliable and provide good service. They can also provide you with TM2, TM3 and TM6 immigration forms. Having all documents sorted in advance would be big time savings at the border.
You can either ask them to post the documents to you directly or you can collect them from their office just before you go to Thailand.
If you’re coming into Thailand from Laos, Cambodia, Myanmar or other Malaysian borders, they can email you the soft copy and you can just print it out.
Other services provided by GoThai are as per below:
- Thailand Simcard
- Thailand Travel Adapter
- Thailand Vehicle plate number
- Drive-thru counter to pick up documents
- 24-hour pick-up of documents at their office
- 24-hour assistance (if you purchase both Compulsory and Voluntary Insurance)
GoThai Office Location
They are located 20 KM before the Bukit Kayu Hitam/Sadao Border. Go Thai office is just next to Petron Petrol station. Please use the details below to navigate.
Address: Km 17.3, pekan, Napoh, 06000 Jitra, Kedah.
GPS Coordinates: 6.364896, 100.422705
GoThai Drive-Thru Counter
They also have a dedicated drive-thru lane for document collection. This would definitely avoid the hassle to get down/out of your vehicle and queueing at their office.
Accident in Thailand, What Should I Do?
First of all, stay calm and be positive.
The biggest problem you may encounter is the language barrier. You can contact Thailand’s tourism police by dialling 1155 using your local Thai Simcard as they speak English. Alternatively, contact the Thailand Tourist assistance centre.
If you’re injured, get yourself treated at the hospital. If you have travel insurance, contact your insurance company to get yourself admitted at their panel hospital.
You may also need to notify your Embassy / Consulate General in Thailand and if needed, they can provide more assistance.
Next, call your Thailand vehicle Insurance agent from whom you purchase the Compulsory and Voluntary insurance so they can guide you for claims and/or if medical assistance is needed.
Finally, (if needed), notify your Malaysian Insurance company (if you take extension 101), and tow your vehicle to the Malaysian border at your own cost.
From the Malaysian border, the towing cost will be borne by your Malaysian insurance company. Please note your vehicle repair work has to be done in Malaysia.
If you haven’t taken any insurance; Get ready to bear the high cost of vehicle repair work etc.
Emergency Contacts In Thailand
1. Thailand Tourist Assistance Center
2. Cikgu Joe Satun (Speaks Bahasa Melayu) +66 887553209
3. Malaysian Embassy in Bangkok, Thailand
4. Thailand Tourist Police who speak English by dialling 1155 from your local Thai sim card number.
Frequently Asked Questions
Yes, you can. Compulsory insurance is the only legal requirement to drive your vehicle in Thailand. However, if you got into an accident, be ready to bear the massive cost involved.
No, you don’t.
Yes, you will need it. Thailand Voluntary insurance only covers third-party vehicle/property damage and not yours. Extension 101 will cover your vehicle damages.
Yes, you can. Please note the minimum days of coverage for 4 Wheels vehicles is 9 days and 3 months for 2 Wheels vehicles.
As far as I am aware, Allianz, AXA, AIG, Etiqa, Tokio Marine and I am sure they are many more. You will just need to call your underwriter to confirm this.
Active Malaysian comprehensive vehicle insurance with your insurance company and you will need to walk into your insurance company’s office to get this coverage for your vehicle.
No, you can’t.
Sum insured for your Car or Motorcycle and the maximum of RM 100,000 for the third-party vehicle.
Only damages to your vehicle.
Only Thailand (Endorsement 101)
No, endorsement 101 does not cover bodily injury. You will need to purchase personal travel insurance for bodily injury coverage.
Minimum of 1 day and a maximum of 1 year. (Varies between underwriters)
Within 7 days – 12.5% loading rate
Within 60 Days – 25% loading rate
Exceeding 60 days – 37.5% loading rate
i.e Comprehensive premium (x) 15% (x) 12.5% | Please note the formula for 12.5% varies as it depends on the number of days that you will be travelling in Thailand. Below is just an example;
For my motorcycle, the comprehensive premium is RM949.19 (x) 15% (x) 12.5% = RM 17.80 + 6% GST = RM 18.85 is the amount I paid for 3 days of coverage in Thailand.
Any other questions on the Endorsement 101 extension, please read HERE.
Disclaimer: Please note all the information is gathered via phone calls, and meetings with underwriters and if there are any discrepancies, please contact your underwriter for further clarification. I am not responsible for any views or information provided that may be incorrect or erroneous.
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