What is compulsory motor insurance in Thailand?
Compulsory motor insurance or “Por Ror Bor” is a mandatory insurance required by law by the Motor Victims Protection Act B.E. 1992 for all motor vehicles in Thailand, including all types of cars and motorcycles that are registered with the Department of Land Transport.
The Motor Vehicle Act protects victims of car accidents, including drivers, passengers, or pedestrians. In the event that an accident involves a loss of life, the victim’s heir will be entitled to compensation.
What does compulsory motor insurance cover?
Por Ror Bor insurance in Thailand provides basic coverage for:
- Medical Expenses - costs of medical treatment for injuries due to a car accident such as hospital bills, doctor fees, and prescription drugs
Limits of liability up to ฿ 80,000 per person - Loss of Vital Organ - loss of vital organ due to a car accident such as heart, lungs, kidneys, or liver
Limits of liability from ฿ 200,000 to 500,000 - Death and Permanent Disability - death or permanent disability due to a car accident
Limits of liability up to ฿ 500,000 per person - Daily Compensation - daily allowance to cover the living expenses of the injured person due to a car accident
Limit of ฿ 200 baht per day, up to a maximum of 20 days.
What documents are required to buy compulsory vehicle insurance?
To purchase compulsory motor insurance in Thailand you must provide the following documents:
- A copy of your vehicle registration book
- A copy of a valid National ID or Passport
- An identity document (e.g. a copy of driver’s license)
How much does compulsory motor insurance cost?
The insurance premium of compulsory motor coverage depends on the type of vehicle you want to insure. Below are average prices you can find with Roojai.:
| Type of the vehicle | Yearly premium |
|---|---|
| Sedan | 645 THB |
| 2 door pick-up truck | 967 THB |
| Van | 1,182 THB |
| EV cars | 645 THB |
How to claim compulsory motor insurance?
- Contact your insurance provider immediately after the car accident
- File a police report within 24 hours of the accident. Make sure to provide the following information: insurance policy number, vehicle registration number, date and time of the accident, location of the accident, and contact information of the witnesses.
- Provide the following information to claim the compulsory motor insurance: copy of ID, copy of house registration, copy of car registration, copy of driver’s license, police report, copy of voluntary car insurance (if any), and Por Ror Bor, medical expenses certificate (if applicable), death certificate (if applicable), medical certificate (if applicable)
How to renew compulsory motor insurance online?
You can renew compulsory motor insurance and vehicle tax online via DLT’s e-Service:
- Prepare your car information from a car manual, car registration book, license plate number, and expiration date of your current compulsory motor insurance.
- Register an account or log in at https://eservice.dlt.go.th.
- Click “Pay annual taxes,” fill in information and verify accuracy, then select “Submit tax payment.”
- Enter the tax payment submission page, and click “Por Ror Bor information.” Then Select “None (purchase through online)” and “buy new Por Ror Bor”
- Fill in your car information, pay, and wait to receive the registration documents according to the delivery address entered
*Make sure to renew your existing compulsory motor insurance at least 90 days prior to the expiration date
Q&A about compulsory motor insurance in Thailand
What if I don't buy compulsory car insurance?
All vehicles must have compulsory insurance, which must be renewed annually before paying the vehicle tax. Violating this law will result in a fine of up to ฿10,000.
Is compulsory car insurance enough?
Compulsory motor insurance provides basic financial protection for car accident victims, but its coverage is limited, excluding vehicle damage and other expenses. Therefore, purchasing additional voluntary car insurance is highly recommended. You can compare car insurance types easily on our website.
What to do if my Por Ror Bor insurance has expired?
If your compulsory motor insurance has expired, you have to renew it as soon as possible. Driving without Por Ror Bor is illegal and can result in a fine. You can renew it online via DLT’s e-Service or at an insurance company.
Tips:
- Renew your compulsory motor insurance on time to avoid fines. At least 90 days before it expires, in case of online renewal via DLT’s website.
- Keep your Por Ror Bor policy with you at all times, you might be asked to show it in case the car accident happens
- Consider purchasing voluntary car insurance type 1, type 2+, type 3+, type 2, or type 3 to get higher protection on the road.
Definitions:
| Victim | A person who has been harmed, injured, or killed in a car accident |
| Department of Land Transport | A government agency in Thailand that is responsible for the registration and regulation of vehicles, as well as the issuance of driver's licenses |
| Car manual | A document that provides information on car, its maintenance, or repair |
Updated Date 1st September 2024