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Motorcycle Compulsory Insurance Thailand (Por Ror Bor)
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Pay for your roadtax
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What is otorcycle compulsory insurance or Por Ror Bor in Thailand ?
If you’re planning to hit the road in Thailand, whether driving your own a motorcycle or renting one, it’s important to know about the mandatory insurance required by law - Compulsory Motor Insurance or “Por Ror Bor”. In this article, we’ll cover all you need to know about this insurance policy and how it works. You will also need compulsory insurance to pay for the road tax here in Thailand.
Coverage of motorcycle compulsory insurance or Por Ror Bor
If you are at fault in an accident :
Medical expenses/ Hospitalization - up to 30,000 THB per person
Death or dismemberment - up to 35,000 THB per person
**In total you are able to get compensated up to 65,000 THB per person.
If you are not at fault in an accident :
Medical expenses/ Hospitalization - up to 80,000 THB per person
Death or dismemberment - up to 200,000 - 500,000 THB per person
Cash compensation hospitalization - 200 THB per day up to 20 days.
**In total you are able to get compensated up to 504,000 THB per person.
Making a Claim
1. Getting a police report.
2. Getting treated at a hospital of your choice.
3. Submit original receipts/bills and claim documents with the insurance company that you are insured with.
However if you can have the insurance company that you are insured with process all of the claim processes for you. You will need to contact the insurance company that you are insured with and you can submit the original copies of the receipts/bills (treatments from hospital) to the insurance company and they will handle all of the claim processes.
You can also have the hospital submit all of the claim documents to the insurance company on your behalf, you will need to show them a copy of the compulsory insurance policy and they will process the required documents directly with the insurance company for you.
The importance of compulsory vehicle insurance policy :
To pay for the Thai road tax
You will need the motorcycle compulsory insurance to pay for the road tax here in Thailand as this is required by law. After paying for the road tax with the compulsory insurance, you will get a "pink" sticker to stick it to your windshield in the front of your motorcycle. This sticker indicates that you have paid for the road tax for your vehicle already.
PROTECTING THE INJURED
One of the primary objectives of the law that requires all vehicles to have compulsory insurance is to protect and assist people who have been injured or died because of a motorcycle accident. Accidents can cause severe injuries that require immediate medical attention, which can be expensive. With a compulsory insurance policy, victims can receive timely medical attention without worrying about the financial burden.
GUARANTEEING PAYMENT OF MEDICAL FEES
Hospitals play a critical role in treating motorcycle accident victims. However, the cost of medical treatment can be high, and not everyone can afford to pay for it. The compulsory insurance policy ensures that hospitals receive payment for treating motorcycle accident victims, which is essential in ensuring that they can continue to provide medical motorcycle.
GOVERNMENT WELFARE
The government has a responsibility to ensure that its citizens are protected and supported in times of need. The compulsory insurance policy is a form of welfare provided by the government to people who have suffered damage from a motorcycle accident. This helps victims to recover from the impact of the accident without worrying about the financial burden.
SUPPORTING INSURANCE PARTICIPATION
The compulsory insurance policy promotes and supports insurance participation that provides relief of suffering for the victims and their families. Insurance companies play a critical role in providing financial support to victims of motorcycle accidents, and compulsory insurance policies ensure that insurance companies are incentivized to provide these services.
Frequently asked questions
What is Compulsory Motor Insurance?
Compulsory Motor Insurance, also known as Por Ror Bor, is a mandatory insurance policy required by law for all motor vehicles registered in Thailand. It provides insurance coverage for anyone who is affected by motor accidents, including drivers, passengers, and pedestrians, regardless of who is at fault.
When did the law come into effect?
The Motor Victims Protection Act B.E. 1992 came into effect on 5 April 1993, requiring all cars, motorcycles, and cars powered by electric engines or other energy registered with the Department of Land Transport to apply for this insurance.
What does the policy cover?
The policy covers any loss or damage to property or injuries to individuals caused by a motor accident. This includes not only the driver, but also any passengers, pedestrians, or property that may be affected. In the unfortunate event of death or loss of body parts or health damage, the deceased person’s heirs are also covered.
What is the maximum coverage amount?
The maximum coverage amount per person under the Compulsory Motor Insurance policy is limited, which is why car owners are encouraged to purchase voluntary car insurance to receive additional protection.
Who is responsible for obtaining the insurance?
The person responsible for obtaining the Compulsory Motor Insurance policy is the motorcycle owner, a motorcycle hire buyer, or the motorcycle owner who brings cars registered in foreign countries to use in Thailand.
Is the policy renewable?
Yes, the policy must be renewed every year before paying the annual motorcycle/road tax.
What happens if a vehicle is found to be without insurance?
Any violation of the Compulsory Motor Insurance policy will result in a fine of not more than ฿10,000.
Is it enough to buy only compulsory insurance in Thailand ?
Compulsory Motor Insurance is a mandatory insurance policy required by law for all motor vehicles registered in Thailand. It provides insurance coverage for anyone who is affected by car accidents, regardless of fault, and is designed to protect individuals from financial loss due to accidents. As a responsible driver, it’s important to obtain the proper insurance coverage to ensure the safety of yourself, your passengers, and others on the road.
Is it enough to buy only compulsory insurance in Thailand ?
No, it is not enough as compulsory insurance covers only the medical expenses/hospitalization of the insured person but does not cover things like third-party liability, own-damage, fire and theft and much more. If you want to check out the comprehensive insurance for your vehicle, please see motorcycle insurance Thailand.
Compulsory Motor Insurance is a mandatory insurance policy required by law for all motor vehicles registered in Thailand. It provides insurance coverage for anyone who is affected by car accidents, regardless of fault, and is designed to protect individuals from financial loss due to accidents. As a responsible driver, it’s important to obtain the proper insurance coverage to ensure the safety of yourself, your passengers, and others on the road.