On a yearly basis, you must buy compulsory motorbike insurance also known as compulsory third-party liability insurance (CTPL), as it is a legal requirement here in Thailand. Depending on the CC of your bike, the premium ranges from 160 to 645 baht.
CPLT is low-costs and only includes medical coverage. Whether or not you are at fault for the accident determines the coverage limit. If you cause an accident as a result of your actions, your coverage is limited to 30,000 baht. If not, the medical coverage limit increases to 80,000 baht for medical costs and 500,000 baht for death and dismemberment.
You could be fined up to 10,000 baht if you ride a motorcycle without a CTPL. Locals refer to mandatory third-party liability insurance as Por Ror Bor. You can buy it at the same time you pay your annual vehicle tax.
Follow these few simple steps when checking insurance premiums online.
Provide a valid identification containing a complete name and identification number or passport number.
Give your current address and must be written completely.
Provide documents of the vehicle such as the registration papers.
After completing the documents you may now proceed to submission.
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Thailand compulsory motor insurance comes with a small set of benefits, as one would expect from such a low-cost policy.
Have a look at the lists of the benefits and main coverages that compulsory motorbike insurance offers.
You are entitled to a specific amount of medical cost coverage per person prior to proof of your policy. This amount rises per person if you are found not to be at fault for the accident.
Death, dismemberment, and permanent disability are all covered by CTPL insurance.
If it is decided that you were not at fault, there is a limited amount of preliminary compensation per person, and an increased amount for permanent disability or a fixed amount for death/total permanent disability.
You must not be proven at fault and need in-patient care for injuries sustained in the accident.
You may be entitled to reimbursement of 200 baht per day, up to a maximum of 20 days/4,000 baht.
Buy compulsory motorbike insurance not because it is mandated by law but also because it will cover your pocket in case of an accident.
Top tip: You will never know when you will need it so it is better to buy now than to be sorry later.
With our partners, we strive to protect your motorbike as well as your civil responsibility for damage to other people’s property. Ride with CTPL assurance, trusting that your motorcycle insurance is in good hands. You can also find out more information about type 2 car insurance for more coverage and protection.
Whether owning a car or a motorbike, there are lots of insurance choices to choose from. Check out the list below to see other related products that you might be interested in.
Get protection for you and your motorbike in the event of an accident or incident that is your fault. And if the accident was your fault, the insurance provider would pay for the damage to the bike.
Motorbike Insurance provides the most extensive coverage for your most prized asset. You can now enjoy the most thrilling ride of your life without fear.
Coverage mandated by the government that covers the insured against third-party liability for death or bodily injury caused by an accident caused by the insured vehicle, according to the policy.
This coverage refers to indemnities that exceed the CTPL coverage’s limits.
Protects the insured from liability for damage to a third party’s property incurred by the insured vehicle.
Coverage for damage to the insured property caused by an accident, overturning, falling, fire, or malicious acts of a third party.
Compensation that compensates the insured in the event that the entire insured vehicle or a portion of it is stolen or kidnapped.
It is the cheapest insurance premium that provides the bare minimum of protection. Covers an accident with a vehicle only if the car is stolen, and insurance does not provide out, in the case of a fire.
In terms of accident damage, both the vehicle and the individual can file a claim for the motorcycle up to ten years old. Type 3 also offers insurance coverages such as accidents with road vehicle, accidental injury, third party property damage, additional cover and body and health damage.
Type 3 motorbike insurance provides additional coverages to the policy as well to ensure that you will get the benefits that you deserve.
Anyone riding a motorbike on the road is required by law to have CTPL motorbike insurance. It covers you from responsibility in the event that your vehicle is involved in an accident and damages another vehicle or injures someone else.
Riding without compulsory motorbike insurance is illegal. If you’re caught riding without compulsory insurance, you could be fined 10,000 baht or worst case scenario getting your driving license taken away.
A motorbike is much less expensive than a car, insuring a motorbike, on the other hand, is normally more expensive. This is due to the fact that motorcyclists are more likely to be involved in an accident and, as a result, are more likely to file a lawsuit.
Who you are, where you live, and what kind of motorbike you have are the three key factors that influence how much motorbike insurance costs. Riders who are younger, less experienced, or have recently been in an accident will pay more than those who have years of accident-free riding experience.