In the Happiest place on earth, car accidents are common. Including over 60,000 fatal accidents each year, regardless of how cautiously one drives, he risks being involved in one. Motorcycles swerve next to one of you at odd angles. Taxi drivers abruptly switch roads without signaling. Buses also travel quickly, even in congested areas. Even though your automobile is stopped in a public space, another vehicle could collide with it and cause serious damage. One can limit automobile maintenance expenditures due to motor vehicle accidents, which are highly probable to occur here, and then you can also obtain support and guidance when incidents happen with healthcare plans.

Third-Party Liability Insurance Is Required

As per the  Road Protection Act, all vehicles are designed to have Compulsory Third-Party Insurance Coverage, or Por Ror Bor, annually. CTPL, at a bare essential, only provides medical bills, with minimal support if you initiate the accident. If indeed the accident is not the fault of the operator, the maximum compensation is 80,000 baht for damage and 300,000 baht for fatality. Whenever the motorist is at fault, the insurance drops to 30,000 baht for bodily damage and 35,000 baht for mortality.

Insurance Coverage for Individuals

CTPL gives significantly less protection than private vehicle insurance. Even the most basic plan includes coverage for third-party property. Figures 1, 2+, 2, 3+, and 3 could be used to categorize private car coverage in Thailand.


Type 1 health coverage is perhaps the most premium and provides the most comprehensive coverage, including coverage for catastrophes, burglary, and third-party damage to assets.  Type 3 policy seems to be the cheapest option, however, it provides the least amount of coverage. In Thailand, this has been the most costly and extensive sort of insurance available. It should protect you against all kinds of mishaps and issues. It was also the only sort of policy that protects a mishap that doesn’t involve a third party, including such crashing into a wall, colliding with a dog, receiving a scrape, etc.

2+/ 2 type

Type 2+ car insurance Thailand seems to be the second-highest pricey car insurance alternative. Its coverage is comparable to Type 1 policy, however, it excludes events involving no third party. Furthermore, Type 1 protection sends your vehicle to official facilities for maintenance, whereas Type 2+ insurance sends it to 3rd party unaffiliated facilities. Type 2 policy is comparable to Type 2+ policy in terms of pricing, but it does not cover collisions. As a result, the majority of consumers choose Type 2+ policy to Type 2 protection. Just a few insurers currently provide it.

Type3/ 3+

This insurance includes the required coverage for road accidents, collisions, and third-party destruction of property. The big distinction between Types 2+ and 3+ would be that Type 3+ also isn’t protected against theft, fire, water, or terrorists. Type 3 is the most standard form of private coverage, and it solely protects medical bills and third-party responsibility. Many Thais use it to sell their obsolete or low-value vehicles.

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