Online Motorbike and Motorcycle Insurance in Thailand
Buy voluntary motorcycle insurance to increase your coverage and reduce your risk. Roojai offers various comprehensive motorbike insurance plans with a 4.9/5 customer service satisfaction score. Customise your policy coverage details online for increased third party liability, sum insured, medical expenses, and more additional options.
What is voluntary motorcycle insurance in Thailand?
Voluntary motorcycle insurance in Thailand is a safe optional motor insurance that provides high sum insured coverage to complement the compulsory insurance required by the Thai law. Depending on the coverage type, it may cover damage to the insured motorcycle whether the rider is at fault or not, damage to third party vehicle if the rider of the insured motorbike is at fault, liability for injuries resulting from a motorcycle accident where the driver is at fault, loss of or damage to the motorcycle through theft, fire or natural disaster.
What are the different types of motorcycle and motorbike insurance in Thailand?
The most common types of motorcycle insurance in Thailand are;
What is motorcycle or motorbike insurance Type 1?
Type 1 motorcycle insurance in Thailand is a type of insurance that protects big bikes, motorcycles, or motorbikes with high sum coverage. It provides collision coverage, which covers damage to your own motorcycle in the event of an accident with or without a third party. It includes third party liability coverage, which covers damages or injuries that may be caused to another person or their vehicle while driving your motorcycle. A Type 1 motorcycle insurance policy will also cover non-collision events such as theft, fire, flooding and medical expense coverage, which covers medical payment in the event of a motorcycle accident.
Who is motorcycle insurance Type 1 suitable for?
- A new motorcycle that is not over 5 years old
- A motorcycle that is used on a regular basis
More details about voluntary motorcycle insurance Type 1
What is motorcycle or motorbike insurance Type 2+?
Type 2+ motorcycle insurance in Thailand protects big bikes, motorcycles, or motorbikes with high sum coverage for collisions involving a third party. Type 2+ accident coverage offers protection against damage to your own big bike in the event of an accident with a third party. It includes third party liability coverage, which covers damages or injuries that may be caused to another person or their vehicle while driving your big bike. A Type 2+ motorbike insurance policy will also cover non-collision events such as theft and fire and medical expense coverage, which covers medical expenses in the event of a motorcycle accident.
Who is motorcycle insurance Type 2+ suitable for?
- A motorcycle that is used frequently
- A motorcycle that is not over 5 to 7 years old
More details about voluntary motorcycle insurance Type 2+
What is motorcycle or motorbike insurance Type 3+?
Type 3+ motorbike insurance in Thailand protects big bikes, motorbikes, or motorcycles with high sum coverage for collisions involving a third party. Type 3+ accident coverage offers protection against damage to your own motorbike in the event of an accident with a third party. It includes third party liability coverage, which covers damage or injuries that may be caused to another person or their vehicle while driving your motorbike. A Type 3+ motorcycle insurance policy will also provide medical expense coverage, which covers medical costs in the event of a motorcycle accident.
Who is motorcycle insurance Type 3+ suitable for?
- A motorcycle that is used frequently
- A motorcycle or motorbike that is over 7 years old
More details about voluntary motorcycle insurance Type 3+
What is motorbike or motorcycle insurance Type 2?
Type 2 motorbike insurance in Thailand protects motorbikes, big bikes, or motorcycles with coverage for collisions involving a third party. Type 2 provides third party liability coverage, which covers damages or injuries that may be caused to another person or their vehicle while driving your motorbike. A Type 2 big bike insurance policy will also cover non-collision events such as theft and fire and medical expense coverage, which covers medical expenses in the event of a motorbike accident.
More details about voluntary motorcycle insurance Type 2
What is motorbike or motorcycle insurance Type 3?
Type 3 motorbike insurance in Thailand protects motorbikes, big bikes or motorcycles with coverage for collisions involving a third party. Type 3 provides third party liability coverage, which covers damages or injuries that may be caused to another person or their vehicle while driving your motorbike. A Type 3 motorbike insurance policy will also cover medical expenses in the event of a motorbike accident.
More details about voluntary motorcycle insurance Type 3
What is compulsory motorcycle insurance in Thailand or “Por Ror Bor”?
Compulsory motorcycle insurance, also known as “Por Ror Bor”, is a mandatory insurance required by law for all motor vehicles within Thailand to pay the annual vehicle tax. This form of insurance provides coverage for everyone affected by motorcycle accidents, regardless of whether the person is a driver or a pedestrian. Compulsory motorbike insurance will also cover cases involving loss of body parts or life as well as other health damages including the deceased person’s heir, in case of death, however this insurance policy will not provide any coverage for damage to your own or third party property.
Here is an example of how compulsory motorcycle insurance in Thailand would work;
If there is a motorcycle accident, the driver can claim compensation if injured, but will not cover the damage. The motorcycle coverage details are as follows:
- Death, loss of vital organ, and permanent disability = up to ฿35,000
- Medical expenses = up to ฿30,000
Coverage when the driver is not at fault;
Compensation can be claimed as follows:
- Death and total permanent disability = up to ฿500,000
- Medical expenses = up to ฿80,000
- Daily compensation = ฿200 per day (up to 20 days) up to ฿4,000
- Loss of 2 body parts = ฿500,000 / loss of 1 body part = ฿250,000 / loss of a finger or more = ฿200,000
What are motorcycle coverage options?
In addition to the different sum insured provided by each type of insurance, motorcycle riders can also customise and choose different excess, repair garage plans, personal accident and medical expense coverage.
What is motorcycle insurance excess?
An amount of money that a rider will pay themselves when they are involved in a motorcycle accident and need to repair their big bike. If the damage is small enough, the rider will be able to avoid making a motorcycle insurance claim and damaging their good driver history. It is typically a fixed amount of the total claim amount. If the damage is bigger, the insured pays the excess and the insurer will cover the remaining cost of the claim up to the insurance policy limits. When a policyholder chooses a higher excess with their policy, they are able to pay a lower insurance premium as it reduces the risk for the insurer for small damages. This form of coverage is also known as voluntary excess.
What are motorcycle garage plans?
Roojai offers 2 options for repairing your motor vehicle:
1. Repair at preferred garages
Here at Roojai, we have made connections with a variety of top-notch motorcycle repair shops throughout all of Thailand. Our preferred garages offer high quality service and motor repairs at a cost-effective price, which we pass on to our customers in the form of reasonably-priced insurance premiums.
We also offer a 12-month warranty for motorcycle repairs provided by our preferred garages so that you may have peace of mind that the repairs are of the highest standard!
2. Repair at any garage
This option will give you total flexibility: you can bring your motorbike to be repaired at any garage in Thailand that you wish to use. Of course, if you use one of Roojai's listed repair garages, the repairs will be guaranteed and more efficient for you, but it is not required. If you decide to repair your motorbike at a garage that is not in Roojai's network, please give us a ring at least 24 hours ahead of time, so that we may make any necessary arrangements with the chosen garage on your behalf.
Q & A
Who is Roojai suitable for?Suitable for any good motorcycle rider who wants to buy motorcycle insurance saving time and money. We are happy to help all safe and responsible riders to find the right motorbike policy. If you are an existing customer who wants to renew motorbike insurance with Roojai, you can do so online through My Account or the Roojai Mobile App. |
Does motorcycle insurance in Thailand provide coverage for accidents with third party?Generally, motor insurance in Thailand provides coverage for motorcycle accidents with a third party whether the insured is at fault or not, but this depends on the plan you choose. It usually includes third party liability coverage for damage or an injury caused to the other drivers, passengers, or pedestrians resulting from an accident that is caused by the policyholder. Some policies may also include additional coverage options for personal accidents as well as coverage for damage to the insured motorcycle. |
Does motorcycle insurance in Thailand provide coverage for fires, floods, and natural disasters?Some types of motorcycle insurance such as Type 1, Type 2+ and Type 2 will include coverage for loss or damage caused by fire. A Type 1 motorcycle insurance policy, however, will also cover damages caused by floods or other natural disasters. |
Does big bike insurance in Thailand provide coverage for big bike theft or vandalism?A Type 1, Type 2+ and Type 2 big bike insurance policy will provide coverage for loss or damages caused by theft. |
Does motorbike insurance in Thailand provide any accident or medical expense coverage?Most motorbike insurance policies in Thailand will provide coverage for personal accidents as well as medical expenses resulting from a motorbike accident. However, in some cases the total coverage amount may not be sufficient for frequent riders with previous claims. With Roojai, you can customise your policy to increase the personal accident or medical expense coverage amount to meet your needs. |
What are the requirements to buy motorcycle insurance with Roojai?
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How much does motorcycle insurance cost in Thailand?There are many factors that affect your motorcycle insurance cost and premium such as riding experience, history, motorbike model, age, purpose of use as well as the type of insurance plan you choose. In general, Roojai customers may expect to pay in the range from 810 Baht and up to 16,141 Baht for high sum insured policies. |
Why buy motorcycle insurance with Roojai?Check your motorcycle insurance quote online and get low cost premiums but with above average coverage. Roojai motorbike insurance provides plans such as Type 1, 2, 2+, 3, or 3+ to choose from based on your riding needs. Riders can customise the insurance policy by increasing coverage and adding additional services, such compulsory insurance. We calculate your premiums fairly based on the motorbike as well as on the rider and their past experience on the road. Our goal at Roojai, is to provide affordable motorbike insurance premiums with the highest protection and quality service. That is why our customers love us with a 4.9/5 customer satisfaction score and 4.7/5 claim satisfaction score and consider us the best motor vehicle insurance in Thailand.
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How to buy motorbike insurance with Roojai?You can complete the purchase of your motorbike policy within 5 minutes. Just check your motorcycle insurance quote online, customize your insurance coverage then plan, pay and wait for our email confirmation. We will get back to you right away and will send you the documents within 7 working days or instantly if you choose an e-policy. In some cases, Roojai may ask for an in-person or photographed motorcycle inspection before the start of the coverage. Read more about how to buy motorcycle insurance. |
How to pay for motorbike insurance with Roojai?Pay by credit or debit card, PromptPay, Rabbit Line Pay, TrueMoney or online banking.* |
What is the Roojai Mobile App and how to use with motorcycle insurance policy?Roojai created a mobile application to make life and road travel seamless and secure for our customers. If you have a motorcycle accident or other emergencies on the road, just use the Roojai Mobile App and make a motorcycle insurance claim via video call. Our mobile app will also share the real-time position of the Roojai surveyor while they are driving towards your location. You can also manage and renew your insurance policies through the app, access your policy documents, refer friend, redeem Roojai rewards, and much more. Wherever you are, Roojai is always by your side. Download the Roojai Mobile App now. Android iOS |
How to make a motorcycle insurance claim with Roojai?You have several options when making a claim with Roojai:
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How to contact Roojai?English motorcycle customer service (check price, buy motorbike insurance, general inquiries): 02 080 9196 Report a motorcycle accident: 02 080 9194 or through Roojai Mobile App Send us a message to contact us. |
Motorcycle insurance tipsChoose the right plan for you - review the motorcycle insurance rates for different plans and choose the one that makes sense for your driving needs. If you do not live in an area with a risk of flooding, you can exclude this coverage plan option to save on the premium cost Customise your motorcycle insurance quote online - you can lower your motorcycle premium by increasing the amount of excess or choosing only to have one main driver. Choose the e-policy - by selecting e-policy option, you are able to get your motorcycle policy documents sent instantly to your email. Use the Roojai Mobile App - you will be able to make instant claims, upload inspection photos (if needed), check all your policy details and use your Roojai Rewards. |
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Updated Date 1st January 2025