Compulsory Car Insurance or ‘Por Ror Bor’ in Thailand
No matter what kind of car you drive in Thailand, it is required by law to insure your vehicle with compulsory car insurance. Any vehicle drivers must purchase this insurance every year in order to provide basic protection to their vehicle and people inside. However, because compulsory vehicle insurance provides a very limited amount of sum insured, most drivers purchase voluntary vehicle insurance as well.
sedan, 4 door pickup truck
฿645/year
2-door pickup truck
( no more than 3 tons )
฿967/year
van
( more than 7 seats )
฿1,182/year
What is Compulsory Car Insurance or ‘Por Ror Bor’?
A government required insurance for all motor vehicles as stipulated in Motor Victims Protection Act B.E. 1992 which came into effect on 5 April 1993, requires all cars, motorcycles and other vehicles that are registered with the Department of Land Transport. Drivers of such vehicles must purchase Compulsory Motor Insurance or as it is known locally ‘Por Ror Bor’, in order to provide basic insurance coverage for anyone affected by road accidents, whether they are drivers, passengers or pedestrians.
Why is Compulsory Motor Insurance required by law?
This form of insurance is required by law in order to alleviate any potential financial or physical harm affecting any person that was caused by a car accident. This form of insurance coverage guarantees and promotes;
- medical attention to any persons who have been injured or died due to a road accident
- medical fee payments to hospitals for providing treatment to any victims of car accidents
- insurance participation to provide relief from suffering for families and victims of road accidents
- government welfare to support all demographics of the population who suffered physically or mentally from car accidents but may not have sufficient resources.
How much coverage does Compulsory Motor Insurance provide?
Compulsory insurance, of course offers a lower level of protection compared to other voluntary vehicle insurance policies, but nonetheless still offers some basic protection on the road. It offers the following;
- Up to 80,000 THB for medical expenses
- 200,000 - 500,000 THB for loss of vital organs
- 500,000 THB per person for death and permanent disability
- 200 THB per day for daily compensation while hospitalized (limit to 20 days)
What if I don’t buy Compulsory Insurance?
Compulsory motor insurance is required by law no matter what other insurance that car drivers have decided to purchase. Not purchasing this insurance type every year before paying for the annual car tax will result in legal problems for the drivers of uninsured vehicles. Any form of violation of the Compulsory Insurance Act will result in a fine up to 10,000 THB.
How do I buy Compulsory Car Insurance or ‘Por Ror Bor’ online?
If you are having trouble navigating our online platform, feel free to reach out and contact us at MrKumka.com and we are happy to go through the details of your purchase so you may acquire this insurance type in time to pay for your car tax.
Learn more about insurance with Mrkumka
