Insurance is one of those topics that nobody thinks about until they need it — and in Thailand, understanding what coverage you have before you ride is genuinely important. Here is a practical overview of the insurance landscape for motorbike riders in Thailand.
Por Ror Bor — Compulsory Basic Insurance
Every legally registered vehicle in Thailand is required to carry Por Ror Bor — the compulsory third party insurance that covers basic medical costs for anyone injured in an accident, regardless of fault. It is not comprehensive coverage, but it is a meaningful safety net that applies to all registered bikes including rental bikes from reputable shops.
If you are involved in an accident and anyone is injured, Por Ror Bor is the first insurance to call on. A good rental shop will know exactly how to activate the coverage and guide you through the process.
Voluntary Insurance — What Rental Shops Offer
Beyond the compulsory Por Ror Bor, some rental shops offer additional voluntary insurance coverage for damage or theft. This varies significantly — some offer comprehensive coverage, some offer theft-only policies, and many offer no additional coverage at all.
Before renting, always ask:
- Does the shop offer any voluntary insurance coverage?
- What does it cover — damage, theft, or both?
- What is the daily cost of the additional coverage?
- What is the excess or deductible if a claim is made?
Travel Insurance
If you have travel insurance for your trip to Thailand, check whether it covers motorbike riding before you get on a bike. Many standard travel insurance policies exclude motorbike accidents entirely, or only cover them if you hold a valid licence for the category of bike you are riding.
Key things to check:
- Are motorbike accidents covered under your policy?
- Does the coverage require a valid local licence or IDP?
- Does the coverage extend to passengers?
- What is the medical coverage limit?
If You Own Your Own Bike in Thailand
For riders who own their own bike in Thailand, voluntary insurance is available in addition to the compulsory Por Ror Bor. First Class insurance is the most comprehensive option — covering damage to your own bike, personal accident coverage for death and personal injury, bail bond coverage, medical treatment, third party death and property damage, and theft. It is the gold standard for riders who want to be properly covered.
Thai Paiboon Insurance is one of Thailand's most established and well regarded motorbike insurers, offering First Class coverage at competitive premiums.
For annual Por Ror Bor renewals and road tax, several services exist to help foreign riders navigate the process:
Bangkok — BSR Bike Shop
Assists with annual Por Ror Bor renewals and road tax. bsrbikeshop.com
Chiang Mai — Chiang Mai Visa Shop
Offers a Por Ror Bor and vehicle tax renewal service for foreigners. chiangmaivisashop.com
Phuket & Pattaya — TDL Service
Handles vehicle registration, Por Ror Bor and road tax renewal across both cities. tdl-service.com
Make sure your emergency contacts are saved before you ride.
Emergency Contacts →