Thailand Car Insurance – A Buying Guide for Expats

If you’re thinking of driving a car in Thailand then you’ll need car insurance.

Sure, you may have heard that some locals don’t take out a policy and get away with driving locally, but this is completely irresponsible and illegal.

If you’re getting behind the wheel, you’ll need a policy.

Thailand has a high volume of road traffic accidents and the risk of a crash is higher in certain areas than others (1).

One of the reasons the risk is high is because of sheer volume of traffic in some areas, particularly the number of motorcycles on the road that cut in and out of traffic. But it’s also because of poor driving standards.

Test standards are better than they were some years ago, but there are still many people on the road who learned to drive in rural areas without formal instruction. This means lots of random lane cutting and poor signaling.

The high volume of cars in built up areas like…