Motorbike Insurance in Thailand for Foreigners Explained (2025 Guide)
Motorbike Insurance in Thailand for Foreigners Explained (2025 Guide)
Last updated: February 8, 2026 • Audience: Foreigners riding motorbikes in Thailand
Motorbikes are one of the most popular ways for foreigners to get around in Thailand. They’re affordable, convenient, and often faster than cars in heavy traffic.
However, motorbike accidents are also one of the leading causes of serious injuries among expats. Many riders assume their insurance will protect them—only to discover gaps when it’s too late.
This guide explains how motorbike insurance works in Thailand for foreigners, what coverage is required by law, typical costs in 2025, and how to avoid common claim problems.
Is motorbike insurance mandatory in Thailand?
Yes. All motorbikes in Thailand must have Compulsory Motor Insurance, known locally as Por Ror Bor.
This mandatory insurance covers basic personal injury benefits but does not cover damage to vehicles or property.
Important: Por Ror Bor alone is not enough for foreign riders.
Types of motorbike insurance explained
1) Compulsory insurance (Por Ror Bor)
- Required by law
- Covers injury or death only
- Very low compensation limits
2) Voluntary motorbike insurance
Optional coverage that provides broader protection.
- Covers third-party damage
- May cover theft or fire
- Coverage varies widely by policy
How much does motorbike insurance cost?
Motorbike insurance is generally cheaper than car insurance, but coverage is also more limited.
- Por Ror Bor: ฿300 – ฿700 per year
- Voluntary insurance: ฿2,000 – ฿10,000 per year
Premiums depend on engine size, bike value, and coverage type.
License and helmet rules for foreigners
To ride legally and remain insured, foreigners must:
- Hold a valid Thai motorbike license or an IDP with motorbike endorsement
- Wear a helmet at all times
Failure to comply can result in fines, and more importantly, insurance claim rejection.
Reality: Many motorbike insurance claims fail due to license or helmet violations.
What motorbike insurance covers—and doesn’t
Typically covered
- Third-party bodily injury
- Third-party property damage (voluntary plans)
- Basic injury compensation
Commonly excluded
- Riding without a valid license
- Not wearing a helmet
- Alcohol-related accidents
- Damage to your own bike (often excluded)
Motorbike insurance options for foreigners
| Insurance type | Coverage level | Best for | Cost |
|---|---|---|---|
| Por Ror Bor | Minimal | Legal compliance | Low |
| Voluntary insurance | Moderate | Regular riders | Medium |
Smart insights for foreign riders
- Motorbike risks are high: Insurance limits matter
- Health insurance complements bike insurance
- Legal compliance protects claims
- Consider alternatives: Taxis may be safer long-term
Frequently asked questions
Is motorbike insurance worth it for foreigners?
Yes. Even basic voluntary coverage provides valuable protection.
Does health insurance cover motorbike accidents?
Only if policy conditions are met (license, helmet, no alcohol).
Can I ride with a foreign license?
Only with a valid IDP that includes motorbike endorsement.
What to do next
- Confirm your license and helmet compliance
- Buy voluntary insurance for extra protection
- Check your health insurance motorbike clauses
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