Online Motorcycle Insurance in Thailand

Online Motorcycle Insurance in Thailand

A Big Bike is a motorcycle that is larger than usual. It might have more than 150 cc of engine capacity. This kind of motorcycle needs to have Compulsory Motor Insurance, also known as “Por Ror Bor” as required by law for all motor vehicles within Thailand. For additional protection, people might prefer to buy voluntary motorcycle insurance.

1. Compulsory Motorcycle Insurance in Thailand

Compulsory Motorcycle Insurance, also known as “Por Ror Bor” is mandatory insurance required by law for all motor vehicles within Thailand. This is to provide insurance coverage for everyone affected by motorcycle accidents, regardless of whether the person is a driver, a passenger, or a pedestrian. In the cases that involve a loss of life or body parts or health damage including the deceased person’s heir will also be covered, in the case of death.

Basic insurance coverage

If there is an accident, the driver can claim compensation if injured, but will not cover the motorcycle damage. The details are as followings:

• Death, loss of vital organ, and permanent disability = up to ฿35,000
• Medical expenses = up to ฿30,000

Coverage by which the driver is not at fault

Compensation can be claimed as following details:

• Death and permanent disability = up to ฿300,000
• Medical expenses = up to ฿80,000
• Daily compensation = ฿200 per day (up to 20 days) up to ฿4,000
• Loss of 2 body parts = ฿300,000 / loss of 1 body part = ฿250,000 / loss of a finger or more = ฿200,000

2. Voluntary Motorcycle Insurance

Voluntary motorcyle insurance in Thailand is optional insurance, not required by Thai law. Depending on the coverage type, it may cover damage to the insured vehicle whether the driver is at fault or not, damage to third party vehicle if the driver of the insured vehicle is at fault, liability for injuries resulting from a motorcycle accident where the driver is at fault, loss of or damage to the vehicle through theft, fire or natural disaster. Voluntary motorcycle insurance is divided into 5 categories as followings:

1. Type 1

   Comprehensive BigBike insurance, which covers damage to the insured vehicle regardless of fault in case of accident, fire, theft, or natural disaster as well as liability to third parties (property damage and bodily injury) when the driver is at fault.

2. Type 2

   Covers damage to the insured vehicle only in case of fire and theft and covers liability to third parties (property damage and bodily injury) when the driver is at fault.

3. Type 2+

   Covers damage to the insured vehicle regardless of fault provided another identified vehicle has been involved in the accident as well as damage caused by fire, theft, or flood. It also covers liability to third parties (property damage and bodily injury) when the driver is at fault.

4. Type 3

   Only covers the liability to third parties (property damage and bodily injury) when the driver is at fault.

5. Type 3+

   Covers damage to the insured vehicle regardless of fault, provided another identified vehicle has been involved in the accident. It also covers liability to third parties (property damage and bodily injury) when the driver is at fault.

Which motorcycle insurance coverage type is the best?

Once you know the coverage for each type of BigBike insurance, let’s see which coverage type is best fit for your vehicle.

• New driver

  If you just bought a new bigbike and just learned how to drive and still not an expert driver, we recommend you to choose type 1 bigbike insurance because the coverage is the most comprehensive whether it's a motorcycle accident or a collision with no third-party involvement.

• Drive occasionally

  If you can drive a bigbike but drive it occasionally, we recommend type 2 bigbike insurance because you do not drive frequently. Even, there is less possibility of accidents, but the car is still at risk of damage caused by fire or theft anyway. Therefore, you can select lower premium for insurance plan but get coverage that suits you better.

• Urban area

  If you drive frequently and mainly in the city area, such as driving to work on traffic routes, there is high possibility of motorcycle accidents. Therefore, we recommend you to choose type 1 bigbike insurance for your peace of mind and the insurance coverage is the most comprehensive whether it's an accident or a collision with no third-party involvement.

• Frequently drive to other provinces

  If you are a biker and most likely to drive to other provinces, vehicles on the road tend to have a lot of commodities and they are driving at high speeds. You may encounter animals running up the road, people crossing the road, or other obstacles that can cause a lot of accidents. Therefore, you should get type 1 bigbike insurance for comprehensive coverage which best matches your needs.