Car Insurance in Thailand | Roojai - Get an Instant Quote Today

Name: Roojai.com Online Car Insurance
Brand: Roojai
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What is car insurance?

Car insurance is a type of motor insurance designed to protect you from financial losses that may occur due to vehicle accidents or other insured events. When you purchase car insurance, you enter a contract with an insurance company. This contract requires you to pay a fixed amount, known as premium, either monthly or annually.

In return, the insurance company agrees to cover specific types of damages and losses as outlined in your policy. This can include coverage for damage to the insured vehicle, as well as damage or loss to third-party property or persons caused by the insured vehicle, depending on the type of insurance chosen.

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 comes in different levels of coverage:

Type 1 car insurance: The most extensive and comprehensive coverage, protecting against all damages, including collisions, theft, fire, and natural disaster.
Type 2+ car insurance: Covers accidents with other vehicles, theft, fire, and includes towing services if your car becomes inoperable from an accident.
Type 3+ car insurance: Covers accidents involving other vehicles and towing services but excludes theft and fire.
Type 2 car insurance: Covers theft and fire but does not include accident-related damages or natural disasters.
Type 3 car insurance: The most basic voluntary coverage, providing third-party liability only, with no coverage for theft, fire, or natural disasters.

To make it easier to compare these insurance types, let's break down the coverage into three main categories:

1. Coverage for 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 to a vehicle because of 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. Coverage for 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 injurie, 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.

Coverage	Type 1	Type 2+	Type 3+	Type 2	Type 3	EV Insurance*	Por Ror Bor
Car damages without a third-party
Car damages with a third-party
Damage to windshield
24-hour towing service
Theft
Fire
Flood
Natural disasters
Third-party property damages
Third-party bodily injuries and loss of life
Medical expenses
Personal accident coverage
Bail bonds
Wall charger
Battery replacement in case of accident
Loss of vital organ
Daily compensation

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.

Check Your Quote

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

How do I get a car insurance quote with Roojai?

At Roojai, we make getting car insurance simple and hassle-free. Follow these easy steps to get insured:

1. Get a quote

Visit our website and fill out a quick form with your vehicle details. Receive an instant quote tailored to your needs and budget.

2. Choose your plan

Compare different insurance plans, including comprehensive and specialised EV insurance. Select the plan that best suits your requirements.

3. Purchase online or contact us

Complete the purchase of your car insurance policy online through our secure payment gateway. Alternatively, contact our friendly customer service team for assistance.

4. Enjoy peace of mind

Receive your e-policy documents via email or opt to have the hard copy sent to your address within 7 to 14 days. Access your policy information anytime through our website or mobile app.

5. Easy claims process

In case of an accident, contact our 24/7 claims hotline or use the Roojai Mobile App to file a claim. Our dedicated claims team will guide you through the process and ensure a quick resolution.

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.

Roojai winning the platinum Trusted Service Award

4.9/5

Customer reviews

( 159,125 Reviews )

Frequently asked questions about car insurance in Thailand

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

Terms and Conditions apply.

Latest Updated: 1st March 2025