Updated Thai Compulsory Motor Insurance (CTPL) Regulations 2026

The Office of Insurance Commission (OIC) has issued Registrar Orders No. 16/2569 and 17/2569, dated 7 August 2026, introducing important changes to the Compulsory Motor Insurance Policy (CTPL) (Personal Injury Protection Insurance or “Por Ror Bor”). These changes focus on policy cancellation requirements and policy period flexibility, ensuring better compliance and protection for vehicle owners.

1. Cancellation of Compulsory Motor Insurance Policies
Under the new regulations, insured persons may cancel a CTPL policy only under specific circumstances and supporting evidence must be provided.

A policy cancellation request can be made if:
•    There is legal evidence showing that the vehicle has been permanently deregistered or taken out of use; or
•    There is evidence confirming that the same vehicle has been insured under more than one CTPL policy, resulting in duplicate coverage.

Therefore, policyholders can no longer cancel a CTPL policy without a valid reason. Any cancellation request must comply with the conditions prescribed by law and be supported by the required documentation.
For insurance companies, policy termination can only be carried out in accordance with applicable legal provisions and regulatory requirements.

2. Flexible Insurance Policy Periods
Traditionally, a CTPL policy provides coverage for a period of one year. However, under the new regulations, policyholders now have greater flexibility in selecting the insurance period based on their specific needs.

The coverage period may be:
•    Less than one year; or
•    More than one year, but not exceeding two years.

In such cases, the insurance premium will be calculated on a Daily Pro-rata Basis, ensuring that policyholders pay premiums corresponding to the actual coverage period selected.

Important Consideration for Annual Vehicle Tax Renewal
Vehicle owners should note that when a CTPL policy is used as supporting documentation for annual vehicle tax renewal, the insurance coverage must remain valid at least until the vehicle tax expiration date in the following year.
As a result, motorists who choose a short-term CTPL policy should carefully verify that the policy period satisfies the requirements for annual vehicle tax registration and renewal.

Effective Date
The new provisions regarding policy duration will become effective on 1 September 2026 onwards.
Vehicle owners, insurance intermediaries, and all parties involved in motor insurance are encouraged to familiarize themselves with these regulatory 

Conclusion
The latest amendments to the Compulsory Motor Insurance regulations aim to provide greater clarity regarding policy cancellations while offering increased flexibility in determining coverage periods. Although these changes benefit policyholders by providing more options, it remains essential to understand the applicable conditions, particularly when arranging CTPL coverage for annual tax renewal purposes.

For further advice on CTPL insurance, vehicle tax renewal requirements, or selecting the most suitable insurance coverage, consult a licensed insurance broker or insurance professional to ensure full compliance and appropriate protection.