Motor Insurance

Motor insurance is a vital tool for managing the risks of every journey. Whether for personal use or business operations, having the right coverage provides confidence and minimizes the impact of unexpected events. We work with you to design solutions that deliver both comprehensive protection and long-term value.

Motor

Motor Insurance

Expertly Structured Protection for Every Journey At Howden, we understand that motor insurance is more than just protection—it is about certainty, continuity, and confidence on the road. Whether for personal use or corporate fleets, our specialists work closely with you to structure tailored insurance solutions that align with your risk profile, operational needs, and long-term priorities.

It is required by law that all vehicles must have compulsory motor insurance policy which covers injury or death of any persons from car accident.

Most of vehicle owner also purchase voluntary motor insurance which covers own damage of the vehicles and additional third party liability in excess of the compulsory motor insurance.

Who get cover under Compulsory Motor Insurance?

  • Any person who get injury, disability or death from road accident like Driver, Passenger, Pedestrian, etc…

What is covered under Compulsory Motor Insurance?

  • Preliminary Coverage LimitThe injured person will get cover without disprove for guilt by insurance company or Road Victim Protection (RVP) within 7 days counted from received documents required.
  • Surplus Coverage LimitThe indemnity amount will settle after disprove for quilt. The quilt party need to indemnify the injury person or heir in excess amount of preliminary coverage limit.

 

Compared Sheet

Road Victim

Preliminary Limit

Surplus Limit

Driver at insured car

1. Bodily Injury / medical expenses not over than Bt.15,000

2. Death, dismemberment, and disability not over than Bt.35,000

Death after hospitalization not over than Bt.50,000

Nil

Road Victim Excluded Driver at insured car

1. Bodily Injury / medical expenses not over than Bt.15,000

2. Death, dismemberment, and disability not over than Bt.35,000

Death after hospitalization not over than Bt.50,000

1. Bodily Injury / medical expenses not over than Bt.50,000 (included Preliminary Limit)

2. Death, dismemberment, and disability not over than Bt.200,000 (included Preliminary Limit)

Death after hospitalization not over than Bt.200,000 (included Preliminary Limit)

3. In-patient hospitalization compensate diary at Bt.200 per day and maximum 20 days

Is it need to prove guilty on legal result and what is different in compensation? 
 *Remark : Surplus Limited is combined 1), 2) and 3) should not over Bt.204,000 per person and not over Bt.5,000,000 per accident (for car which is registered not over than 7 seat) and Bt.10,000,000 per accident (for car which is registered over than 7 seat).

 

Legal Result

Third Party (outside insured car)

Passenger (inside insured car)

Driver

Guilt

1. Bodily Injury / medical expenses not over than Bt.50,000 (included Preliminary Limit)

2. Death, dismemberment, and disability not over than Bt.200,000 (included Preliminary Limit)

Death after hospitalization not over than Bt.200,000 (included Preliminary Limit)

*3. In-patient hospitalization compensate diary at Bt.200 per day and maximum 20 days

1. Bodily Injury / medical expenses not over than Bt.50,000 (included Preliminary Limit)

2. Death, dismemberment, and disability not over than Bt.200,000 (included Preliminary Limit)

Death after hospitalization not over than Bt.200,000 (included Preliminary Limit)

*3. In-patient hospitalization compensate diary at Bt.200 per day and maximum 20 days

1. Bodily Injury / medical expenses not over than Bt.15,000

2. Death, dismemberment, and disability not over than Bt.35,000

Death after hospitalization not over than Bt.50,000

*3. In-patient hospitalization compensate diary at Bt.200 per day and maximum 20 days

Not Guilt

1. Bodily Injury / medical expenses - Not Covered

2. Death, dismemberment, and disability - Not Covered

Death after hospitalization - Not Covered

1. Bodily Injury / medical expenses not over than Bt.15,000

2. Death, dismemberment, and disability not over than Bt.35,000

Death after hospitalization not over than Bt.50,000

1. Bodily Injury / medical expenses not over than Bt.15,000

2. Death, dismemberment, and disability not over than Bt.35,000

Death after hospitalization not over than Bt.50,000

*Remark : Surplus Limited is combined 1), 2) and 3) should not over Bt.204,000 per person and not over Bt.5,000,000 per accident (for car which is registered not over than 7 seat) and Bt.10,000,000 per accident (for car which is registered over than 7 seat).

A motor vehicle policy covers loss of or damage to insured motor vehicles and legal liability to third parties arising out of the use of motor vehicles. The coverage can be limited to third party only, third party fire and theft or a fully comprehensive basis. The policy can be extended to cover bail bond, personal accident and medical expenses, if required. Where three or more vehicles are insured the insurer is often prepared to give a fleet discount on the premium.

How is different ?

Coverage

1st Class

2nd Class

3rd Class

2 Plus

3 Plus

1) Third Party Liability

- Bodily Injury or Death of Third Party and Passenger

- Third Party Property Damage

2) Own vehicle damage

- Loss from Collision

 

 

- Theft Loss or Fire

 

 

3) Additional Coverage

- Personal Accident on Death, Dismemberment, Permanent Disability (Driver… person and Passenger…person)

- Medical Expense (Driver… person and Passenger…person)

4) Bail Bond

*Remark : coverage should arise from accidental collision with vehicle which have self-propel combustion only

 

It’s an extension of the manufacturer’s warranty covering the failure of both mechanical and electrical components for an extra one, two or three years over the manufacurting warranty period. 


Normal Wear & Tear, Normal Deterioration, Drivers Negligence, Routine Maintenance, Service Items and Adjustments are not covered by this warranty If insurer can be accepted claim, Insurer will indemnify the reasonable cost of either repairing or replacing those components during period of insurance but it is limited to the market value of vehicle at date of repair.

 

Why Howden

  • Independent Global Broker

    Access to leading insurers across both local and international markets, ensuring you receive the most suitable and competitive solutions.

  • Tailored Solutions

    In-depth risk analysis to design insurance coverage aligned with your specific needs, usage, and risk profile—whether individual or corporate.

  • Specialist Expertise

    A dedicated team of motor insurance specialists providing professional advice across both personal and commercial segments.

Let’s Navigate Risk Together

With Howden, you gain more than insurance—you gain a trusted partner committed to protecting what matters most.

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