Car Insurance in Thailand
Get the best rates for car insurance in Thailand with Roojai. Easily compare vehicle insurance plans, enjoy comprehensive coverage, and receive a quick car insurance quote in minutes.
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1. Fill in your car and driver details
Enter your car's make, model, and driver info to get an instant quote.
2. Choose your coverage
Select from a range of protection options, including comprehensive and specialised EV insurance.
3. Buy online and get covered
Review your quote, pay securely, and receive your e-policy instantly via email or the Roojai Mobile App.
What is car insurance?
Car insurance, also known as auto insurance, vehicle insurance, or motor insurance, is a financial safety net that protects you from costs related to accidents, theft, or other unexpected events. When you buy a policy, you pay a monthly or annual premium, and in return, the insurer provides coverage for specific risks outlined in your plan.
Depending on your chosen policy, this may include comprehensive coverage for your own car, as well as third-party liability insurance for damage or injury caused to others.
Compare types of car insurance in Thailand
In Thailand, car insurance is divided into two main types: compulsory and voluntary.
Compulsory car insurance (Por Ror Bor)
This is a mandatory policy required by law. It provides basic coverage for third-party liability, including medical expenses for injuries caused to others in an accident.
Voluntary car insurance
This optional policy offers more comprehensive coverage, including coverage for your own vehicle's damage, theft, fire, and additional third-party liability. Voluntary insurance can be customised based on individual needs and is available for both conventional cars and electric vehicles.
Voluntary car insurance in Thailand is available in five types, each offering different levels of protection. Understanding these differences helps you choose the right coverage for your car and budget.
Type 1: Comprehensive car insurance
The most extensive and comprehensive coverage, protecting against all damages, including collisions, theft, fire, and natural disaster.
Type 2+: Enhanced coverage
Covers accidents with other vehicles, theft, fire, and includes towing services if your car becomes inoperable from an accident.
Type 3+: Basic accident coverage
Covers accidents involving other vehicles and towing services but excludes theft and fire.
Type 2: Theft and fire only
Covers theft and fire but does not include accident-related damages or natural disasters.
Type 3: Third-party liability only
The most basic voluntary coverage, providing third-party liability only, with no coverage for theft, fire, or natural disasters.
Car insurance coverage comparison
To help you understand the differences, here’s how these insurance types compare by coverage area:
1. Damages to your car
This type of coverage protects your own vehicle from various risks. The extent of protection depends on your chosen insurance type.
- Accidents & collisions: Covers repairs if your car is damaged in an accident with another vehicle or hits an object (e.g. a pole or a wall).
- Unidentified third-party: Coverage if your car is damaged but the responsible party is unknown.
- Theft: Coverage over losses in case of burglary, robbery, and other theft.
- Fire: Covers any damage or loss of a vehicle due to a fire.
- Natural disasters: Protection against flood, earthquake, and other naturally occurring disasters.
- Windscreen damage: Coverage for repairs or replacement for cracked or shattered windscreen.
2. Damages to others
This coverage protects you from financial liabilities if you cause damage to another’s person’s property (e.g. cars or houses) and injuries, including severe cases resulting in death.
- Compulsory motor insurance: Covers limited bodily injury liability but does not cover property damage.
- All voluntary motor insurance types: Include third-party liability coverage for property damage and bodily injuries. You can also opt to increase bodily injury coverage for added protection.
3. Additional coverages
These benefits are included in all types of voluntary insurance:
- Medical expenses: Covers medical bills for you and your passengers, including injuries caused by uninsured or underinsured drivers.
- Personal accident coverage: Protects against bodily injury, disability, or death resulting from accidents. This does not cover pre-existing conditions or chronic illnesses.
- Bail bond coverage: Covers bail bond costs, with the amount specified in the policy document.
Refer to the table below to compare car insurance by types and the different insurance coverages.
Can be purchased
*Only applicable to EV car insurance type 1.
Tips when comparing car insurance policies
When comparing policies for your car, it’s important to consider the following factors:
- Affordable premiums with comprehensive coverage: Ensure you get the best value for your money by selecting a policy that offers extensive coverage at a reasonable cost.
- Customisable plans: Choose a policy that allows you to tailor the coverage to meet your specific needs.
- Suitable coverage for your vehicle: Choose the right type of insurance based on your car’s value and usage. For example, Type 1 for newer, high-value cars, and Type 2 or 3 for older or less used vehicles.
- Driving experience: New drivers may receive higher quotes due to their lack of experience. It is advisable to purchase both compulsory and voluntary insurance to ensure full coverage.
- Trustworthy information: Ensure you provide accurate information to secure coverage in case of an accident.
- Policy review: Carefully review the policy details before signing and making any payments.
Do I need car insurance?
Yes, owning a car means you need car insurance. It provides crucial financial protection for you and others in the event of an accident. Getting a car insurance quote is quick and straightforward, with great rates, discounts, and coverage options tailored to your needs.
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Why choose Roojai car insurance?
Roojai offers competitively priced premiums and superior coverage. Tailor your insurance plans with enhanced coverage and additional services. Our fair premium calculations consider both your vehicle and driving history. We aim to provide affordable premiums while ensuring maximum protection and exceptional service. This dedication to quality is why our customers consistently rate us highly for both service and claims, making us the leading car insurance company in Thailand.
Benefits of choosing Roojai
- Save up to 30%: Enjoy lower premiums with more comprehensive coverage.
- Instant quotes: See your car insurance quotes online instantly without needing to submit your email or phone number.
- Dash cam discount: Receive a 10% discount if you have a dash cam installed.
- Quick response: Guaranteed 30-minute arrival at the accident scene.
- 24-hour roadside assistance: Access help anytime, anywhere.
- Repair warranty: Benefit from a 12-month warranty on repairs at preferred garages.
- Easy claims: File and manage insurance claims effortlessly with the Roojai Mobile App.
- Price match guarantee: Get a 100% money-back guarantee if you find a better price with the same coverage.
- Fast document delivery: Receive your insurance policy documents within 7-14 days or get instant access with an e-policy.
Monthly instalments
by debit or credit card
Easily claim using
Roojai Mobile App
100% money
back garantee
10% discount
if you have a dashcam
What do I need to buy car insurance with Roojai?
To buy car insurance with Roojai, you'll need some basic information:
Vehicle details
Make, model, year, current mileage & vehicle registration number.
Driver information
Your name, contact details, driver's license number, and driving history.
Current insurance information
Details of your current policy and no claims bonus (NCB), if applicable.
Usage information
How often and for what purpose you use the vehicle.
How we calculate your car insurance premium
At Roojai, we aim to provide fair and competitive car insurance premiums. Here's a simplified breakdown of how we calculate your premium:
- Vehicle details: The type and age of your car affect your premium. Luxury or newer cars usually cost more to insure. How often and for what purpose you use your car also plays a role.
- Driver information: Your driving history is important; a clean record can lower your premium. Younger and less experienced drivers may pay more due to higher risk factors.
- Location: Where you live impacts your premium. Urban areas with higher risks may have higher premiums. Secure parking options, like a garage, can help reduce your premium.
- Coverage options: The level of coverage you choose, such as comprehensive coverage, will affect your premium. Additional coverages, like roadside assistance, can also increase your premium.
- No claims bonus (NCB): If you haven't made any claims in previous years, you may receive a discount on your premium.
What have our customers said about us?
With over 150,000 customers, our services are rated 4.9/5 and our claims processing rated 4.7/5.
staff polite and efficient..some tecnical issues with inspection app..if i ever have to make a claim i hope the process goes more smoothly than purchasing the insurance coverage
xxxian xxxkall
I am very satisfied with Roojai. That's why I have had three vehicles insured with Roojai. The prices are very competitive and the staff are very friendly and efficient. Thank you Roojai.
xxxark xxxllips
Awesome company! Finally, great insurance service is here, flawless UX. I hope I wouldn't need any claims but the feedback I read online are also great.
xxxriy xxxerskyy
Frequently asked questions about motor insurance
How much does car insurance cost in Thailand?
Car insurance premiums in Thailand can vary based on your vehicle type, driving history, coverage level, and insurer. On average, car insurance per month can range from THB 4,000 to THB 12,000, depending on whether you choose basic third-party coverage or comprehensive auto insurance.
To find the best rates, consider getting a personalised quote and comparing plans using the table above to identify the most suitable option for your needs.
How do I buy car insurance with Roojai?
You can buy car insurance online by getting a quote, comparing plans, and completing your purchase securely. See our guide on how to buy car insurance.
How do I submit a car insurance claim?
Submitting a claim with Roojai is simple. Visit our car insurance claims page for step-by-step instructions and support throughout the process.
How important is voluntary car insurance?
While compulsory insurance is required by law, voluntary insurance is highly recommended as third-party property insurance is not mandatory in Thailand. If you're at fault in an accident, you'll be liable for property damages, which compulsory insurance doesn't cover. Additionally, compulsory insurance only covers up to THB 500,000 for injuries, leaving you responsible for any excess costs.
For these reasons, Roojai recommends purchasing at least type 3 insurance, which covers damage to third parties and injuries to third-parties. If you want to insure your vehicle against damage, consider type 1 or type 2+ insurance.
Does my voluntary car insurance include the compulsory policy?
Your voluntary insurance policy is separate from the compulsory insurance policy, but you can buy both with Roojai.
What is the best car insurance coverage in Thailand?
Type 1 insurance offers the most comprehensive coverage, protecting your vehicle in a wide range of scenarios. This includes accidents involving other vehicles (regardless of fault), incidents without other vehicles (such as scratches while parking), natural disasters (like floods and storms), fire, and theft.
For newer vehicles valued at over THB 200,000. Type 1 insurance is likely the most suitable option due to its extensive coverage. For older vehicles valued at less than THB 200,000, other types of coverage may be more appropriate and cost-effective.
How can I reduce my car insurance premium?
You can reduce your car insurance premium by maintaining a clean driving record and opting for higher deductibles. There are also various discounts available to help reduce your car insurance premiums:
- No-claims bonus (NCB): Receive a discount for each year you don't make a claim, up to 50% off. This reward encourages safe driving and careful vehicle maintenance.
- Dash cam discount: Get a discount if you have a dash cam installed in your car. This device can provide crucial evidence in case of an accident, reducing the risk for insurers.
- Named driver discount: Lower premiums if you specify the drivers who will use the car. This allows insurers to assess risk more accurately based on the driving records of the named individuals.
To qualify for these discounts, you may need to meet specific criteria. Find out more on how to reduce your car insurance premium.
What is typically not covered by car insurance?
Car insurance policies often have exclusions, meaning certain situations or damages are not covered. Common exclusions include:
- Intentional damage: Any damage caused intentionally by the policyholder.
- Wear and tear: Normal wear and tear or mechanical breakdowns.
- Commercial use: Using your personal vehicle for business purposes without proper coverage.
- Unlisted drivers: Accidents caused by drivers not listed on the policy.
- Racing: Damages incurred while participating in racing events.
For a detailed breakdown, read our guide on insurance exclusions.
Is coverage continued when my car is sold or transferred?
When a car is sold or transferred, the existing insurance remains valid for the new owner util it expires. If the policy has a named driver, the original owner must notify the insurer to update the driver details and adjust the premium. Additionally, the new owner will not be responsible for any excess if the driver's name does not match the name on the policy.
Do I need car insurance coverage if I don’t drive my car often in Thailand?
Even if you don’t often drive in Thailand, you are still legally required to have compulsory car insurance (Por Ror Bor) for all registered vehicles. In addition to this, voluntary insurance coverage might still be important even if your car is not being driven. This coverage protects your vehicle against risks such as theft, vandalism, fire, and other types of damage. It also offers liability protection in case your car causes damage to someone else's property or injures a person while parked, for which you could be held responsible.
What should I do if I’m involved in an accident?
If you're involved in an accident, ensure everyone's safety first. Then, contact Roojai's 24/7 claims hotline for immediate assistance. Our team will guide you through the next steps.
For more detailed information, read our guide on what to do after a car accident.
Common car insurance terms
Understanding key car insurance terms can help you make informed decisions about your policy:
- Excess: The amount you pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.
- Premium: The amount you pay for your insurance policy, typically on a monthly or annual basis.
- Liability: Responsibility for damages or injuries you cause to others. It does not cover your own vehicle or injuries.
These terms affect your policy by determining your financial responsibility in the event of a claim and influencing the cost of your insurance. For more insurance terms and definitions, check out our insurance glossary.
Helpful car insurance guides
- What are car insurance groups and how do they impact premiums?
- How can young drivers reduce their car insurance premiums?
- How long after an accident can you file a claim?
Terms and Conditions apply.
Latest Updated: 1st March 2025