Comprehensive Type 1 Motorcycle Insurance for Foreigners in Thailand
From MSIG – Reliable Coverage, Tailored for Expats
MSIG Type 1 Motorcycle Insurance
If you’re a foreigner living in Thailand and own a motorcycle, securing the right insurance is essential —not only for your safety but also for peace of mind. MSIG, one of Thailand’s most trusted insurers, offers a Type 1 motorcycle insurance policy designed exclusively for foreigners who own motorcycles in the country.
This policy ensures that you’re protected in almost every scenario, whether you’re navigating the busy streets or exploring the countryside.
Why Choose MSIG?
Class 1 motorcycle insurance in Thailand offers the highest level of protection for motorcycle owners.
This comprehensive plan includes:
- High motorcycle repair coverage for own motorcycle (regardless of fault)
- Coverage for accidents, theft, and fire
- Third-party liability (bodily injury and property damage)
- Medical expense benefits for the rider
MSIG 1st Class Premium
In the pictures below, you’ll find a brochure showing the insurance premiums based on your motorbike’s brand and model. The listed rates apply to bikes that are up to 3 years old.
Reach out to us for a personalized offer if your motorbike is:
Easy Online Application
Getting insured is simple and fully online:
Contact us and send with a copy of your Motorcycle Registration Book (see example below).
If your bike is eligible, the rest of your documents (such as bike photos) can be submitted online – no need to visit any office for inspection.
Once approved, your official insurance policy will be sent directly to your address in Thailand.
Transparent & Secure Payment
All payments are made directly to MSIG Thailand. No hidden fees. No third-party handling. This ensures full transparency and peace of mind.
Who Is Eligible?
This policy is only available for non-Thai citizens who legally own a motorcycle registered in Thailand. It’s ideal for expats, digital nomads, retirees, and long-term visitors who rely on their bikes for daily commuting or weekend adventures.
Documents needed for quotation
To check your motorcycle’s eligibility and premium we only need one document:
* Photo of registration of motorcycle (green book)
Send it to me, and I’ll get back to you as soon as possible. Be sure to mention if you also require us to renew your compulsory (Por Ror Bor) insurance.
Overview of the Coverage
When buying motorcycle insurance in Thailand you need to look carefully at exactly what the policy covers.
MSIG Type 1 Motorcycle Insurance gives you top-tier protection. It covers pretty much everything:
Curious about what’s included? Take a look at this sample policy to see what you get with MSIG Type 1 coverage.
1. Third-Party Liability
Covers injury or death to third parties. This protects you if you accidentally hurt someone or damage their property while riding your motorbike.
You hit a person who is crossing the street. They are injured and ask you to pay for their medical bills.
→ MSIG will pay for the injured person’s treatment.
Covers damage to third-party property (e.g., vehicles, fences, structures).
You crash into a parked car while trying to avoid a dog. The car’s bumper is broken.
→ MSIG will pay for the car repair.
You’re riding your motorcycle and accidentally rear-end a Mercedes-Benz in slow traffic. The bumper and rear sensors are damaged. The owner files a claim and the repair cost.
→ MSIG will pay for the car repair.
2. Physical Damage. Fire, and Theft
This part protects your own motorbike. It pays for damage from accidents (even if it’s your fault), fire, theft, or people trying to break or steal your bike.
You’re riding on a rainy day and accidentally skid into a pole. Your bike’s front end is damaged.
→ MSIG will pay to fix your motorbike.
3. Additional Coverage
This gives money if the rider or passenger is badly hurt or dies in an accident. Benefits are for Death, Dismemberment and Total Permanent Disability
The motorbike rider crashes and dies in the accident.
→ MSIG will give money to the rider’s beneficiary, based on the policy.
Medical Expenses – This pays for hospital bills if the rider or passenger is hurt.
You fall off your bike and fracture your arm. Your passenger suffers minor injuries as well.
→ Both you and your passenger can claim for medical expenses according to the policy limits.
Bail Bond – Provides bail money in case the rider is detained after a serious accident involving injury or death.
You’re involved in an accident where someone else is seriously injured. The Thai police can detain you while investigating.
→ Covered: MSIG will provide the bail amount needed for your temporary release.
Documents and Information needed for Your Application
To apply for motorcycle insurance, please prepare the following:
- Photo of registration of motorbike (green book)
- Copy of passport
- Phone number
- Address in Thailand (where the policy will be sent)
- Pictures of your motorcycle (See example below)
Required Motorcycle Photos:
1. LEFT SIDE VIEW – Show the full left side of the bike.
2. RIGHT SIDE VIEW – Show the full right side of the bike.
3. FRONT VIEW – Directly from the front, showing the handlebars and headlight.
4. BACK VIEW – Directly from behind, with the license plate clearly visible (if possible).
Agent Eim will assist you with completing an inspection form after receiving all 4 required motorbike photos (Left, Right, Front, and Back view).
Example of policy document
Once your motorbike insurance application is approved, the physical policy documents will be mailed to your provided address within approximately 14 working days.
In the meantime, Agent Eim will send you a digital copy of the policy within 3-5 days, so you’ll have proof of coverage.
If an accident occurs before the physical documents arrive — no worries, you’re still fully insured and can file a claim.
Just contact the MSIG 24-hour hotline at 1259 for assistance at any time.
MSIG Type 3 Motorcycle Insurance Premium
Type 3 is a more simple and affordable option. It covers third-party damages and also includes personal accident protection for both the rider and the passenger of the insured motorbike.
The premium depends on your motorbike’s engine size (CC). You can check the brochure below for the price details.
If you’re not sure which type of insurance is right for you, feel free to message me. I’m happy to help!
Frequently Asked Questions
Does my policy cover damage to my own motorcycle?
Yes. As a Type 1 policy, it provides coverage for damage to your insured motorcycle resulting from a collision, overturning, or other perils. It also covers the loss of the motorcycle due to theft or fire.
Check above for the exact coverage for your bike/model/year.
Who is the Third party?
A “third party” is anyone who suffers damage or injury from an accident you cause, who is not you (the insured), the driver at fault, or the driver’s employees, spouse, parents, or children.
Here are some examples of a third party:
- The driver or passenger of another car or motorcycle involved in the accident.
- A pedestrian who is injured in the accident.
- An owner of property that you damage, such as a fence, a wall, or another vehicle.
What are the main exclusions under my policy?
The policy does not cover damage or liability from several key situations, including:
- Use of the vehicle for illegal purposes, such as robbery or transporting narcotics.
- Use in speed racing.
- Driving without a valid driver's license or using a motorcycle license to operate a car.
- Damage resulting from war or civil unrest.
- Standard depreciation, wear and tear, or mechanical/electrical breakdown not caused by an accident.
- Use of the vehicle outside of the covered territory.
Am I covered if I drive under the influence of alcohol?
No, the policy excludes coverage if the driver is found to be driving under the influence of alcohol. This applies if:
- The driver has a blood alcohol level over 50 milligrams percent.
- The driver is under 20 years old or holds a temporary license and has a blood alcohol level over 20 milligrams percent.
- The driver refuses an alcohol test by an officer, leading to a conviction for driving under the influence.
Is my motorcycle insured if I drive it outside of Thailand?
No, the policy does not provide coverage when the vehicle is used outside of the designated territory.
If my spouse or child is a passenger and gets injured in an accident I cause, are their medical expenses covered under my policy's third-party liability?
No, the third-party liability coverage explicitly excludes the driver’s spouse, parents, and children. However, the spouse, parents, and children are covered by the “Additional Coverage” which covers 50,000 baht per person (maximum two people).
My policy covers theft. If I lend my motorcycle to someone and they don't return it, is this covered?
This situation may not be covered. The policy excludes loss or damage resulting from embezzlement or theft by a person who was entrusted with the motorcycle, such as under a rental or lease agreement.
Do I need a specific Visa to be eligible for Type 1 Motorcycle insurance?
For this Type 1 insurance from MSIG you don’t need a specific visa, however you do need to own the motorbike and have the proper documentation for it (such as the green registration book and your passport).
Why should I consider getting voluntary motorcycle insurance if I already have the compulsory one (Por Ror Bor)?
While the compulsory insurance (Por Ror Bor) is legally required, it offers only minimal coverage mainly for injuries or death of third parties, with limits of up to 80,000 THB for medical costs and 300,000 THB in case of death. It doesn’t cover any damage to your motorbike or to other property.
Voluntary insurance such as Type 1 or Type 3 policies provides much broader protection. It can cover repair costs for your own bike, damage to third-party property, and often includes bail bond coverage. For better peace of mind and financial security, voluntary insurance is a smart and practical choice.
If you are new to motorcycle insurance in Thailand, you can also check out our quick guide here.
Can someone borrow and use my bike?
Yes, but for your insurance to work, they must follow these rules:
- They need a valid license. Your insurance will not cover an accident if the driver doesn’t have a proper license.
- They must drive responsibly. They cannot be drunk or on drugs , and cannot use your bike for illegal things like racing
In addition, if you lend your bike to someone and they decide to steal it, your insurance will not cover the loss.
About MSIG Thailand
MSIG Thailand PLC has a 120 year history in Thailand, with its head office in Bangkok, and a nationwide network of 12 branches and claims service center.
Request a Quote
Ask Eim is a direct broker for MSIG Thailand, so we can help by answering any questions you may have. If you’d like an insurance quote please complete the form below and we’d be glad to help.
