How many types of car insurance are there in Thailand?
Choose the level of protection that fits your car and budget.
The 3 most popular types of voluntary car insurance are Type 1, 2+ and 3+, and every car must also have CTPL (พ.ร.บ.), the compulsory insurance required by law.
| Coverage | Type 1 | Type 2+ | Type 3+ | CTPL |
|---|---|---|---|---|
| Damage to your car (no other vehicle involved) | Covered | Not covered | Not covered | Not covered |
| Damage to your car (collision with another vehicle) | Covered | Covered | Covered | Not covered |
| Theft / stolen vehicle | Covered | Covered | Not covered | Not covered |
| Fire | Covered | Covered | Not covered | Not covered |
| Flood | Covered | Not covered | Not covered | Not covered |
| Damage to the other party's vehicle | Covered | Covered | Covered | Not covered |
| Damage to third-party property | Covered | Covered | Covered | Not covered |
| Medical expenses for driver | Covered | Covered | Covered | Covered |
| Medical expenses for passengers | Covered | Covered | Covered | Covered |
| Bail bond for driver | Covered | Covered | Covered | Not covered |
| Estimated starting premium (THB / year) | 8,000 ~ 30,000+ | 5,000 ~ 12,000 | 3,000 ~ 7,000 | 645.21 |
Which Type Should You Choose?
Type 1
Most comprehensive protection, including damage to your own car.
Type 2+
Covers car-to-car collisions, theft, fire and third-party damage.
Type 3+
More affordable protection with car-to-car collision coverage.
Por Ror Bor (พ.ร.บ.)
Compulsory insurance required by law, mainly covering injury and death.
Need More Options?
Some insurers also offer Type 2 and Type 3, depending on the vehicle and plan.
Important
Coverage, limits and conditions vary by insurer and selected plan.