Voluntary Car Insurance in Thailand

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Buy voluntary motor insurance to increase your coverage and reduce your financial risk. Roojai offers comprehensive car insurance plans with a 4.9/5 customer service satisfaction score. We’ll be there with you along for the ride to make sure you’re covered in unfortunate situation which is further proven with our 4.7/5 claim satisfaction score. Customise your policy coverage online for third party liability, sum insured, medical expenses, and more additional options.

motor vehicle insurance online with Roojai

What is voluntary car insurance in Thailand?

Voluntary car insurance in Thailand is an optional vehicle insurance that provides additional high sum insured coverage to supplement the compulsory insurance (Por Ror Bor) that is required by Thai law. There are different plan types available with difference coverage options which in general could cover damage to the insured vehicle whether the driver is at fault or not, damage to third party motor vehicles if the driver of the insured automobile is at fault, liability for injuries resulting from a road accident where the driver is at fault, loss of or damage to the automobile through theft, fire or natural disaster.

What are the different types of car insurance in Thailand?

The most common types of motor vehicle insurance in Thailand are:

Compulsory car insurance or ‘Por Ror Bor’

What is car insurance Type 1?

Voluntary car insurance Type 1 in Thailand provides high sum coverage for your car in the event of all the most common road incidents. It provides collision coverage for:

damages to the insured vehicle in the event of an accident with or without a third party
third party liability coverage for damages or injuries to another person or their vehicle caused by the insured car where the driver is at fault
damages to the windscreen whether it needs to be repaired or replaced

Type 1 car insurance policy will also cover non-collision incidents such as:

damage or loss caused by theft
damage caused by fire
damage caused by flooding
bail bond coverage
personal accident coverage
medical expense coverage for medical payments resulting from a car accident
and more

Who is car insurance Type 1 suitable for?

A new car that is not over 5 years old – there is a high risk of requiring more expensive car repairs when the vehicle is damaged or stolen compared to older vehicles. Drivers also need to be familiar with the use or handling of the vehicle if it is brand new. All this increases the risk factor and potential high costs for new vehicles when they are damaged.
New drivers with little driving experience – no matter which cars they drive, there is a higher risk of car accidents with new drivers. New drivers are encouraged to buy car insurance Type 1 to ensure they do not incur any high costs from likely mistakes they might make while getting acquainted with driving.
A car used frequently and regularly – the risk from each vehicle is not solely on the driver or the car itself. It also depends on the usage of the car over time. If the car is used regularly for long-distance driving or every day commuting, the risk factor increases. People who use their car often and for long-distance will need more insurance coverage, and that is why Type 1 would be most suitable.

What is car insurance Type 2+?

Voluntary car insurance Type 2+ in Thailand has high coverage and lower price than Type 1, but the insurance coverage is slightly different. Type 2+ covers:

Damage to the insured vehicle caused by a road accident involving a third party
Damage and liability to third parties (property damage and bodily injury) caused by the insured vehicle where the driver is at fault

Type 2+ motor insurance policy will cover non-collision events such as:

Damage caused by fire
Damage or loss caused by theft
Damage caused by flooding
Coverage for bail bond
Coverage for personal accidents
Coverage for medical expenses for medical treatment resulting from a road accident as specified in the car insurance policy
and more

Who is car insurance Type 2+ suitable for?

A car used regularly
A car that is not over 7 years old
A car that tends to be parked in a risky area or not in a gated location, for example, drivers who regularly park their car on the side of the road or any public area.

What is Car Insurance Type 3+ ?

Voluntary car insurance Type 3+ in Thailand provides insurance coverage for:

Damage to the insured automobile regardless of fault, when a third party automobile was been involved in the car accident
Coverage for third party liability for damage or injuries caused by the insured automobile where the driver is at fault

Type 3+ auto insurance policy will cover non-collision incidents such as:

Bail bond coverage
Personal accident coverage
Medical expense coverage for medical expenses resulting from a car accident
and more

Who is suitable for car insurance Type 3+ ?

An automobile that is used frequently
An automobile that is over 7 years old

What is Car Insurance Type 2 ?

Voluntary car insurance Type 2 in Thailand provides insurance coverage for:

damage and liability to third parties (property damage and bodily injury) caused by the insured vehicle where the driver is at fault

Type 2 vehicle insurance policy will cover non-collision events such as:

Damage caused by fire
Damage or loss caused by theft
Coverage for bail bond
Coverage for personal accidents
Coverage for medical expenses for medical treatment resulting from a road accident as specified in the car insurance policy

What is Car Insurance Type 3?

Voluntary car insurance Type 3 in Thailand provides insurance coverage for:

Coverage for third party liability for damage or injuries caused by the insured vehicle where the driver is at fault

Type 3 vehicle insurance policy will cover non-collision incidents such as:

Bail bond coverage
Personal accident coverage
Medical expense coverage for medical expenses resulting from a car accident

What is compulsory motor vehicle insurance in Thailand or “Por Ror Bor”?

Compulsory car insurance in Thailand, also locally referred to as “Por Ror Bor”, is a form mandatory insurance that is required by the law for all motor vehicles which requires a payment of an annual vehicle tax. This form of insurance provides coverage for anyone affected by road accidents, regardless of whether it is a driver or a pedestrian. Compulsory vehicle insurance also covers cases of loss of body parts, loss of life, the deceased person’s heir, in case of death, as other medical damages, however compulsory insurance policy will not cover damages to your own or third party property.

Here is an example of how compulsory vehicle insurance in Thailand would work;

If there is a car accident and the driver is injured, the driver can make a claim for compensation for medical expenses, but cannot claim for compensation for damages to property. The compulsory car insurance 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 car insurance coverage options?

In addition to the different sum insured provided by each type of insurance, vehicle drivers can also customise and choose different excess, repair garage plans, personal accident and medical expense coverage

What is car insurance excess?

An amount of money that a driver will pay themselves when they are involved in a road accident and need to repair their vehicle. If the damage is small, the driver will avoid having to make an insurance claim and damaging their good driver history. It is normally a fixed amount of the total claim amount. If the damage is big, the insured will pay the excess while 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 vehicle damages. This form of coverage is also known as voluntary excess.

If the driver makes a claim where they are not at fault, the excess will not apply.

Here are some examples to show how a policy excess works:

You purchase a policy with an excess of ฿ 3,000.
You make a claim at fault and it costs ฿ 25,000 to repair your vehicle. You pay ฿ 3,000 and the insurance company pays the rest (฿ 22,000).
You make a claim for a minor accident that does not involve a third party and it costs ฿ 2,000 to repair your vehicle. You will pay this repair cost yourself, since the total car repair cost is less than your excess amount of ฿ 3,000. You do not need to report a claim in this case and avoid damaging your good driver history and renewal premium
You make a claim involving a third-party where the third-party was at fault and it costs ฿ 40,000 to repair your vehicle. Your excess does not apply since you were not at fault. The insurance company pays for all your car repair costs (฿ 40,000). You do not pay anything.

Drivers will save more if choosing a policy with excess and don’t make any claims, since Roojai offers lower premiums for policies with excess.

However, if you choose a policy with excess and make one or more insurance claims, you may end up paying more, as in this example:

The premium for a policy is ฿ 10,000 with an excess of ฿ 3,000.
The insurance premium for the same policy without excess is ฿ 12,000.
You choose the policy with an excess of ฿ 3,000 and save ฿ 2,000 initially.
During the year, you make a claim at fault and it costs ฿ 25,000 to repair your vehicle. You pay ฿ 3,000 and the insurance company pays the rest (฿ 22,000).
In this case you paid ฿ 1,000 more by choosing the excess (saving ฿ 2,000 on the premium and paying ฿ 3,000 towards the car repair costs).

There is no right or wrong selection when it comes to choosing your policy excess. It’s up to you and your driving habits!

What are the car garage repair plans?

Roojai offers 2 options for repairing your motor vehicle:

Repair at our preferred garage
Roojai has set up partnerships with many carefully chosen car repair garages around Thailand. These preferred garages provide great service and high-quality repair at a lower cost to us. We pass on this cost saving to you, the drivers, by offering affordable insurance premiums.

We also offer you a 12-month warranty for repairs carried out by our preferred garages, to reassure you that the work is of the highest quality!
Repair at a dealer garage
Roojai has relationships with many dealer garages. Using one of Roojai’s listed garages will make the repair process easier and quicker for you.

We also offer you a 12-month warranty for repairs carried out by our preferred garages and dealer garages. If you repair your vehicle at another dealer garage which is not in Roojai’s garage list, please contact us at least 24 hours in advance so that we may make arrangements with the garage to accommodate you.

Q & A

Who is Roojai suitable for?

Roojai is a good choice for any good car driver who wants to buy car insurance while saving time and money. We are happy to help all safe and responsible drivers to find the right vehicle policy. If you are an existing customer who wants to renew car insurance with Roojai, you can do so online through MyAccount or the Roojai mobile app.

Does car insurance in Thailand provide coverage for accidents with third party?

Generally, vehicle insurance in Thailand provides coverage for car accidents with a third party whether the insured is at fault or not, but this depends on the type of policy you choose. It will normally include third party liability coverage to the other drivers, passengers, or pedestrians resulting from an accident that is caused by the policyholder. Some policies will also include coverage options for personal accidents and coverage for damages to the insured vehicle.

Does vehicle insurance in Thailand provide coverage for fires, floods, and natural disasters?

Vehicle insurance such as Type 1, Type 2+ and Type 2 will provide coverage for loss or damage which caused by fire. A Type 1 and Type 2+ car insurance policy, will also cover damages caused by floods or other natural disasters.

Does car insurance in Thailand provide coverage for car theft or vandalism?

A Type 1, Type 2+ and Type 2 car insurance policy will provide coverage for loss or damages caused by theft.

Does motor insurance in Thailand provide any accident or medical expense coverage?

Most motor vehicle insurance policies in Thailand will provide coverage for personal accidents as well as medical expenses resulting from a road accident. In some cases, the total coverage amount may not be sufficient for frequent drivers with previous accident 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 car insurance with Roojai?

drivers aged 20-70 years old and with a valid driving license (in some cases, a driver's license is required for more than 2 years)
no previous history of driving license being revoked
no more than 3 insurance claims being at fault in the past 12 months
vehicle is registered in Thailand

How much does vehicle insurance cost in Thailand?

There are many factors that affect the car insurance cost and premium such as the driving experience, claim history, vehicle model, age, purpose of use and the type of insurance plan you choose. In general, Roojai customers may expect to pay in the range from 1,707 Baht and up to 18,916 Baht for high sum insured policies.

Why buy car insurance with Roojai?

Check your car insurance quote online and get low cost premiums but with above average coverage. Roojai car insurance provides plans such as Type 1, 2+, 2, 3+, or 3 to choose from based on your driving needs. Drivers can customise their insurance policy and increase coverage as well as add additional services, such compulsory insurance or car replacement service. We calculate your premiums fairly based on the vehicle and the driver as well as their past experience on the road.

Our goal at Roojai, is to provide affordable car insurance premiums with the highest protection and quality service. That is further proven by our 4.9/5 customer satisfaction score and 4.7/5 claim satisfaction score from real customers who rate us the best car insurance in Thailand.

We offer all types of vehicle insurance to meet your driving and financial needs
Get your car insurance quote online without needing to submit your email or phone number
Save up to 30% on your premium if you’re a good driver
Payments are easy to make in many ways including by 10 monthly instalments
Make a video claim using Roojai mobile app
Excellent customer service and insurance claim support proven from real customers experience
12 month warranty on car repairs at Roojai network garages
30 minute guarantee arrival to the accident scene
Get Roojai Rewards voucher to redeem for shopping and gifts
You will receive your policy schedule within 7-14 working days or instantly if you choose e-policy
Easy to contact us for any questions, by phone, website, or mobile app

How to buy car insurance with Roojai?

You can complete the purchase of your car policy within 5 minutes. Just check your car insurance quote online, customize your 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 7-14 working days or instantly if you choose an e-policy. In some cases, Roojai may ask for an in-person, photograph or video car inspection before the start of the coverage.

How to pay for vehicle insurance with Roojai?

Pay by credit or debit card, PromptPay, Rabbit Line Pay, TrueMoney or online banking.* Convenient to buy or renew car insurance online 24 hours a day.

What is the Roojai mobile app and how to use with a car insurance policy?

Roojai created a mobile application to make life and road travel seamless and secure for our customers. If you have a road accident or other emergencies on the road, just use the Roojai Mobile App and make a vehicle 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 friends, redeem Roojai rewards, and much more.

Wherever you are, Roojai is always by your side. Download the Roojai Mobile App now.

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How to make a car insurance claim with Roojai?

You have several options when making a claim with Roojai:

Use the Roojai mobile app to make an instant claim through video call
Call us on our claim hotline at 02 585 8866

How to contact Roojai?

English car customer service (check price, buy car insurance, general inquiries): 02-5828866

Report a car accident: 02-5828844 or through Roojai Mobile App

Send us a message to contact us.

Car insurance tips

Choose the plan that meets your needs – review car insurance rates for different plans and choose the one that makes sense for your driving habits. If you do not live in a high risk area that is prone to theft or potential flooding, you can exclude this coverage option from your plan to save on the premium cost
Customise your car insurance quote online – you can lower your car premium by increasing the amount of excess insurance or choosing only to have one main driver.
Choose an e-policy – with e-policy option, you can get your car policy documents sent instantly to your email.
Download 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.

Car insurance definitions

Car insurance plans	A choice of different motor policies that offer different options for sum insured coverage for a motor vehicle
Risk factor	Some thing that increases the chances of risk
Non-collision incidents	Incidents or events that involve damage to the vehicle, driver and passengers but does not involve a road accident
Natural disasters	A natural event that is caused by forces of nature which create damages without direct intention or purpose
Heir	A person that is legally recognized to be entitled to inheritance of moneys, property or hereditary title
Third party property	Property or physical items that belong to another individual who is not listed on or related to the insured or their insurance policy

Terms and Conditions apply.