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Motorcycle Insurance in Thailand

Submit application for insurance through our website.

1.Choose a program

2. Provide a copy of your passport or Thai driver's license

3. Provide a copy of your Green book, or Vehicle registration, or Contract of Sale.

4. Pay the invoice.

5. You are insured.

The original policy and cards will be delivered to your address within 7-14 working days.

*Some insurance companies (especially for first class insurance) request photos of your motorcycle for verification.

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About Motorcycle Insurance in Thailand

Classes of Motorcycle Insurance in Thailand

The insurance class system for motorcycle transport in Thailand is different from that for motorized transport.

Class 1 (For motorcycles up to 5 years old and engine displacement 250cc and above)

First Class insurance is designed primarily for larger motorcycles and includes comprehensive coverage for your motorcycle and you personally, including personal accident coverage for death and personal injury, offers bail bond coverage, medical treatment, third party death and property, and coverage for your motorcycle. Most insurance companies have a deductible/excess for accidents deemed to be the fault of the insured.

Class 2+, 3+ (For new motorcycles - up to 5 years old)

Class 2+ and 3+ coverage policies provide third party coverage and partial coverage for your motorcycle. It has built-in personal accident insurance for death and personal injury, offers bail bond coverage for surety bonds, medical treatment, third party death and property, and partial coverage for your motorcycle.

Class 3 (For new motorcycles - over 5 years old)

Class 3 is the only insurance available for motorcycles over 5 years old. Coverage under this policy is mainly for third parties. It has built-in personal accident insurance for death and personal injury, offers bail bond coverage for surety, medical treatment and death, and third party property.

Features of motorcycle insurance in Tiland

For regular 150-250cc motorcycles, insurance companies recommend and offer Class 2 or Class 3 insurance, which is essentially coverage for third parties, not your motorcycle. Class 1 insurance is usually only offered for larger motorcycles with engine displacement over 250cc and usually with a deductible for self-inflicted accidents.

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Questions and answers

FAQ on Motorbike Insurance in Thailand

What is the difference between Class 3, Class 2 and Class 1 insurance?

Class 1 insurance is comprehensive and covers the motorcycle and third parties. Class 2 and 3 insurance usually only covers civil liability. Class 2 insurance partially covers some motorcycles, while Class 3 is mainly aimed at civil liability cover.

If I buy now, will the coverage be in effect today?

Yes, if your coverage start date is today, your accidents are covered immediately. Once you pay, coverage is guaranteed.

Is there an emergency hotline?

Every insurance company is required to have an emergency hotline.

Do I have to list the driver, or can my/my spouse also drive a motorcycle and be insured?

Yes, your spouse can also drive a motorcycle and be insured.

Is there a bonus for accident-free driving?

The accident-free driving bonus is only available for first class insurance. If you have no accidents, you will receive a bonus of 20% annually until you reach 50% *This depends on the rules of each insurance company.

What do Dealer and Garage coverages mean for motorcycle insurance?

When you buy First Class insurance, you can choose between Dealer and Garage coverage. This means that in the event of an accident, if you have a dealer policy and you drive a Ducati, you can take your motorcycle to a Ducati dealer for repairs. If you have a garage policy, you need to go to a regular service. Insurance with dealer coverage will cost more than regular garage coverage.

Will there be coverage if I damage property or a person?

Yes, all of these insurance policies provide liability coverage or third party insurance.

What kind of insurance should I choose?

Motorcycle insurance is very specific to each type of motorcycle. Class 3 insurance covers motorcycles over 5 years old, Class 2 and Class 1 cover new motorcycles up to 5 years old, so it depends on the type of motorcycle you have.

How soon will I receive my original policy?

You will receive two sets of documents (PDF and originals). The PDF documents will be sent to you via LINE or email within 1-2 days. This will be your temporary policy. You will receive the original documents within 7-14 business days. We will mail them to your mailing address. Your motorcycle is already insured and you can call the hotline for emergencies and accidents.

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More information

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Обновлено: 16-04-2024

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