Driving in Thailand can sometimes be perilous, and if you are going to be driving a car, you will want to ensure that you have a suitable insurance policy, so you are covered. You will need to consider various factors when selecting the best insurance policy for you.

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It’s essential to do some thinking and shopping around for car insurance. Below are some factors to consider when searching for insurance to help ensure you select the most suitable policy for your situation.

The Age & Value Of Your Vehicle

You will need to think about how old the vehicle you will be driving is as well as its value. If you are buying a brand-new car that is worth a lot of money, you will want to consider First Class Car Insurance or ประกันรถชั้น1 in Thai. However, if you are purchasing an older car that is not worth as much money, you may only want to select class two insurance, which is not as comprehensive and offers less protection.

How Much You Will Be Driving

You will need to consider how much driving you will be doing in Thailand, and this will most likely depend on where you live. If you live in Bangkok, you may not use it as much as there are excellent transport links such as the BTS or MRT. If you live in the country, you may depend on the vehicle much more, so you will want to ensure you have comprehensive insurance coverage if an accident happens or someone steals your car.

The Levels Of Insurance Available

When you look at the different levels of coverage for car insurance in Thailand, there are three primary tiers, which are as follows:

  • First Class Insurance – Comprehensive insurance protecting you from a third party, fire, and theft, and many companies offer things such as free car rental and other perks.
  • Second Class Insurance – Second class insurance is like the one above but offers less comprehensive coverage and does not cover third-party accidents.
  • Third Class Insurance – With this level of insurance it covers medical expenses and third-party liability.

The above types of insurance are for private policies, but there is also insurance called Por Ror Bor. It is a compulsory third-party liability insurance that all motor vehicles driving on the roads in Thailand must have. However, this type of policy will only cover the death and injury of third parties and does not cover the car itself if this gets damaged or written off.

Finding The Best Insurance For You

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There are a dozen or so quality insurance firms in Thailand offering various forms of coverage, so plenty of options are available. However, there are thousands of brokers in Thailand, so you can get excellent deals by shopping around. It is always worth asking for recommendations from people who may be able to put you onto a superb broker and get a good deal.

If you have no suggestions, you will need to compare all the providers to see which one offers the best value for your circumstances.