How Car Insurance works

Compulsory Motor Insurance (CMI)

Coverage is fairly limited and may not fully protect you. You can purchase CMI from the local Department of Land Transport Office (DLT), from car insurance companies and from brokers, including online (such as from us at DirectAsia.co.th).

CMI however, covers passengers in your car and third party liability, which means injury to other drivers and their passengers, up to the limit prescribed by law. It will not pay for damage to your vehicle, loss of use and other expenses.

For peace of mind you’ll want to buy additional Voluntary Motor Insurance to enjoy greater protection on the often chaotic Thai streets.

Insurance coverage
 
Type Coverage
Type 1 insurance Covers Own Vehicle and Third Party Property Damage and Bodily Injury and loss due to Fire and Theft and Natural Disasters like flood. It also specifically covers collisions, accidents, Window Breakage and Towing expense.
Type 2+ insurance์ A similar cover to Type 1, but with a limit to cover on Own Vehicle Damage and excluding Own Vehicle Damage due to Self-Accident (e.g. driving into a car park wall).
Type 3+ insurance Covers Third Party Property Damage and Excess Third Party Bodily Injury as well as limited coverage for Own Vehicle Damage due to Collisions only.
Type 2 insurance Commonly referred to in other countries as Third Party, Fire & Theft, Type 2 covers Third Party Property Damage, Excess Third Party Bodily Injury and loss due to Fire and Theft.
Type 3 insurance Covers the costs of Third Party Property Damage and Excess Third Party Bodily Injury.

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