Car Insurance Thailand
Find and Compare Car Insurance Online
Below you’ll learn some tips and tricks on how to buy car insurance in Thailand online. Find and compare, but also learn what to be careful for.
Car Insurance Thailand
Find & Compare Car Insurance Online
Below you’ll learn some tips and tricks on how to buy car insurance in Thailand online. Find and compare, but also learn what to be careful for.
Buying car insurance online
In Thailand most people buy car insurance online, and you can do so safely too.
Here are a few tips that you can read to get the best deal out there:
What you should know first:
- Not every insurer provides car insurance for every vehicle make and model
- Very few insurers cover modified cars
- Staying with the same insurer can get huge discounts on recurring years
Who do you buy from?
In Thailand you can either buy car insurance directly from an insurance provider (AXA, Allianz, Thanachart etc), or through a broker, either independent or large brokerage.
Buy from an Insurer
Insurers are great to work with.
They can:
- Answer questions best
- Respond to claims fastest
Drawbacks:
- Policy terms aren't always the best
- Unclear if price offered is lowest
Buy from a Broker
Brokers are there for a reason.
They can:
- Compare multiple insurance companies for price and benefits
- Reduce own commission to offer lower premium to customer.
Drawbacks:
- Adds a middleman
What about a 3rd option?
Luckily in 2024 there is a better choice to buy car insurance. Instead of buying online on an insurer’s website, or contacting a broker, you can now compare multiple insurers online by yourself.
The benefits, you can:
- Compare more Thai insurers before you speak to anyone.
- Adjust variables, like deductibles, insurance type, additional insurance etc, to see how your premium will change.
- Buy online, and if necessary submit any documents online.
A big advantage, in our opinion, is that after you buy the insurance online, you get your policy book from the insurer that you bought from, and in the future you work directly with the insurer, no middleman.
These days you can easily compare insurers online, apply online, and then deal directly with the main insurer.
Contract Terms
Be Careful
In Thailand most people buy car insurance online, and you can do so safely too.
What are the questions you should ask:
- Is the insurance Dealer or Garage?
- Is there a deductable?
- Vehicle current insurable value
- Does the insurance type cover 3rd person accidents?
- Can you claim for flood damage?
- How many drivers are allowed?
Let’s discuss some of these below.
Which terms can increase or decrease your car insurance premium
Car age or year model and where it will be fixed if in an accident (Repair Type)
When you choose the car insurance you’ll have the choice to select the repair type as either Dealer repair or Garage repair. Choosing garage repair is going to reduce your premium.
Dealer repair might be a lot more, like 300% more, depending on your model and the type of insurance that you want.
While dealer repair may cost more, sometimes it’s advisable to get because if you have a new car and you want to maintain the car’s warranty, you may have to get it fixed at a dealer to keep the warranty active. Again, it all depends on your car.
Should you include a deductable
A deductible is an amount that you would pay in case of an accident, before the insurer pays the amount you’re insured for.
Always try to not include a deductible when possible. However, it’s completely up to you but often the premium with a deductible doesn’t make much of a difference.
Reduce the car's insured value
Every year the car’s replacement value will be lower, and you should reduce the insured amount too. While some insurers will warn you that you have selected a “too high” insured value, not all do.
You might receive a quote with a higher insured value and think that it’s a good deal comparatively, but just compare with other insurers and you’ll quickly see what the average insured value is of your car.
Natural disaster cover
Storms, and hail damaged is usually covered in type 1 insurance. However, in Thailand floods and damage from flooding can be quite severe.
Some areas in Thailand, especially in Bangkok, are prone to flooding. If you live in an area like this make sure you pay attention to the contact terms while comparing policies. The same goes for fires.
Other natural disasters such as earthquakes and landslides can either be included or excluded.
Number or drivers
We recommend you select “unlimited” if you ever get the option. Sometimes you can decrease your car insurance if you submit the age of the regular drivers. This will reduce the premium with a few hundred baht.
Thailand Bail bond insurance
This is an extra that some insurers provide. It pays a lump-sum or cash amount in case you are arrested during an accident and you need funds to pay for the bail to be released until trial.
- Thailand has compulsory car insurance called Por Ror Bor. It costs 645 Baht no matter where you buy it. You should be given an option to purchase it while buying your proper "voluntary" car insurance.
Compare
These days you don’t need to start by visiting an insurer’s website, nor do you need to contact a broker for cheaper comparisons if you don’t want to. You can start your research by finding and comparing multiple insurer policies online first.
As previously mentioned, this benefits you because you get cheaper insurance and after you purchase a policy you work directly with the main insurer.
We recommend you start with CheckDi Thailand
CheckDi is a large online brokerage website in Thailand where you can compare multiple insurers quickly. They also have a payment gateway to pay for the insurance.
We prefer them because:
- They compare car insurance with 21 different insurers, depending on your car details
- You can adjust your search settings and play around with all the variables to see how the premium changes
- They have a great (English speaking) support staff
How it works
Go to the CheckDi website
Start off by putting in your car year, make and model. Select the insurance class (we recommended type 1 when possible).
If you just want to have a look around, you don’t have use your real email.
Insurance First Class, or Type 1, is the best insurance in Thailand and we always advise to get it when possible. It covers the majority of your car’s value, while Type 2 only covers partial damage to your car and has more exclusions.
However, not every car make, model, and year can get Type 1 insurance. So when you use a comparison website like Check Di it will list all the insurers which do.
Compare car insurance
The car insurers in Thailand which offer policies for your car/model will appear below.
The car insurance premiums above are not the renewal premiums. Renewal meaning that your car is already insured with that insurer for a year or more.
Hot Tip
Are you thinking renewing your car insurance policy with the same Insurer
If you are already with an insurer and you had no accidents / claims that year, it is likely that they will offer you a reduced premium.
This reduction is partly because the insured value is less, or that your car has aged and is now insured at “garage” level not “dealer” level.
- If you have a renewal premium from your insurer, you can submit this renewal price to CheckDi. Chances are they can get it for even cheaper.
Revise policy terms & details
When you choose a plan you’ll see a summary on the left of the policy benefits, and on the right all the details that need to be completed.
Here you can also include the compulsory Thai car insurance “Por Ror Bor” with your purchase.
- The Por Ror Bor price is standardized in Thailand, so you'll pay the same price no matter from where you buy it.
Submit docs and pay invoice
This is the final step.
Submit Application Documents
Every insurer have a few required documents.
They are:
- A copy of your passport or Thai drivers license
- Insured vehicle registration papers
- Some insurers ask for pictures of your car.
Car insurance purchase complete
After you’ve submitted the documents you can pay the premium invoice and you’re done.
Your coverage starts immediately from the “effective date” that you put in the application.
Within two weeks you should receive your selected car insurance policy book.
Our last message
We hope you find the perfect car insurance.
We wish you safe travels
on the Thai roads
If you ever need help with arranging insurance feel free to request a quote below.
Featured Car Insurers
Frequently Asked Questions
Who is Ask Eim
We are an online insurance review website. We are also an agent and broker for some of the best insurers in Thailand.
Who is CheckDi
CheckDi is a large insurance brokerage in Thailand who have been operating for many years. We like to recommend them because they have made searching and comparing insurance online very convenient, and they offer very good premiums.
Who do I buy the insurance from?
If you compare insurers on the CheckDi website, then you buy the policy on the CheckDi website. Afterwards you deal directly with the insurer who issued your policy.
I have a car emergency, who do I contact?
You contact the main insurer (AXA, Allianz, Tune etc). Each insurance company has their own hotline number.
Request a Quote
If you couldn’t find a cheaper premium with CheckDi let us know. Maybe we can find it for you cheaper.
