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  • Writer's pictureJo Lodder

How Motor Insurance works in Thailand

Updated: Jun 17, 2022

Compulsory Motor Insurance (CMI)

Coverage is fairly limited and may not fully protect you. You can purchase CMI from the local Department of Land Transport Office (DLT), car insurance companies and from brokers.


CMI however, covers passengers in your car and third party liability, which means injury to other drivers and their passengers, up to the limit prescribed by law. It will not pay for damage to your vehicle, loss of use and other expenses.


For peace of mind, we would recommend that you buy additional Voluntary Motor Insurance to enjoy greater protection on the often chaotic Thai streets.



Type

Coverage

Type 1 insurance

Covers Own Vehicle and Third Party Property Damage and Bodily Injury and loss due to Fire and Theft and Natural Disasters like flood. It also specifically covers collisions, accidents, Window Breakage and Towing expense.

Type 2+ insurance์

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).

Type 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.

Type 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.

Type 3 insurance

Covers the costs of Third Party Property Damage and Excess Third Party Bodily Injury.

Think Safe Insurance brokers can help with all your vehicle needs, whether it is for your car, truck, bike or boat, either by calling, e-mailing, clicking on the button below or dropping by the office at the following address.


Telephone / video call

Tel: +66(0) 77 420 366

Mob: +66(0) 966 032 966


Location

23/18 Moo 4, Maenam, 84330 Koh Samui, Thailand









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