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What does car insurance in Thailand cover and how does it differ from car tax?
Thai car insurancecar taxthird party insurancecomprehensive car insuranceinsurance companiesexpat adviceRoojaiAXAMSIGGlobal Insurance Pattaya
Jan 19, 2026
3 months ago
Bernie *************
ORIGINAL POSTERHi all was wondering about car insurance, I know we get the thing we put on the screen but exactly what does it cover. Is it just 3rd party and is there sensable system for covering your own vehicle?
TLDR : Answer Summary
In Thailand, car insurance consists of two primary types: third-party liability and comprehensive coverage. The compulsory registration tax you display on your windshield includes basic third-party liability insurance but does not cover damage to your vehicle. For better protection, expats recommend companies like Roojai, AXA, and MSIG, which offer comprehensive insurance that covers a wider range of scenarios including personal vehicle damage. Costs can vary, with comprehensive insurance generally starting around 20,000 THB for a 1.3 million THB vehicle. It's advisable to research and compare quotes, as some companies may offer better rates than others.
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Pui *****
The square registration paper you display on your car windshield shows you paid the car tax for the registration for a year. It doesn't have anything to do with insurance except you must prove you have the minimal compulsory insurance in order to renew the registration for another year.
Stuart ***********
I use Roojai. Arranged online, very easy and I have had to make a couple of claims over the past few years (not my fault) and they were very efficient. The big problem here is that the person crashing into you will probably be uninsured, so expect a visit to the police station to get them to pay!
Simon *********
1st class (fully comprehensive) is pretty cheap here. 1.3m thb car, is around 20,000thb with Axa or msig.
I only use AXA or MSIG.
I do all my insurance thru
Global Insurance Pattaya.
Costs the same as direct, but super easy and fast service, by email and certs sent by post.
I only use AXA or MSIG.
I do all my insurance thru
Global Insurance Pattaya.
Costs the same as direct, but super easy and fast service, by email and certs sent by post.
Pui *****
Simon Roberts 20k is very expensive for that amount of coverage. You should get the instant online quote from Roojai to compare. I wouldn't be surprised if it was half that amount.
Russell ***********
Simon Roberts Roojai 1.2m tb Ranger 8k annual 1st class 24hr english speaking ... you might want to look into them
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Russell ***********
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Russell ***********
Roojai ... excellent value + English speaking
Colin **********
Thats car tax that includes some thirdparty liability. I
Insurance is needed, it can range probably up to 30kthb, there is two basic types third party (second class) full comprehensive (first class).
Insurance is needed, it can range probably up to 30kthb, there is two basic types third party (second class) full comprehensive (first class).
Pui *****
Colin Chaffers comprehensive insurance is separate from the car tax that you pay to DLT. If you go to a 3rd party service, they usually can handle both the car tax registration renewal and the compulsory insurance together, but they are separate things.
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Pui *****
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Frank **********
What "thing on the screen:"??
Frank **********
Rojai offers comprehensive insurance at a decent price. You can buy it online.
John **********
The basic insurance you get as part of taxing your car is pretty basic, it provides the bare minimum of coverage. There are various different levels depending what you want to spend. 1st class is the most comprehension and obviously the most expensive
Ian *********
Frank Shevchuk get 1st class but you need a Thai license
Bernie *************
ORIGINAL POSTERIan Murdoch thanks Ian, does the cost vary pending on the vehicle and generally what does it cover?
Frank **********
Ian Murdoch yes I just didn't understand what he meant by thing on the screen. 555
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Frank **********
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Bernie *************
ORIGINAL POSTERFrank Shevchuk insurance,!!!
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Bernie *************
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