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Thailand is a beautiful country, and many people flock there on holiday to enjoy the tropical weather and gorgeous beaches. However, it can also be a dangerous place, and the country has the dubious honour of being the country with the second-highest death rate per capita on the roads worldwide. As such, you need to be careful when driving in Thailand and ensure that you have suitable insurance coverage when driving a vehicle, or you may end up another statistic of Thai roads. Below are the options you have available for insurance to help ensure your new driver has the protection they need and how you can help prevent them from having an accident.
Learning To Drive In Thailand
Even after you have passed your driving test in Thailand, you are still learning how to drive. It is not until you are in the car by yourself, having to watch everything and make decisions for yourself, that you genuinely experience driving and learn its intricacies. When someone is new to driving and has recently passed their test in Thailand, you will want to ensure that the vehicle is safe and does not have too much power. You will also want to ensure they have a good insurance policy to cover them, in case of an accident, whether it was their fault or not.
The Different Levels Of Insurance In Thailand
There are different levels of insurance you can get in Thailand, and you will need to look at them all to see which is best for the new driver. Insurance is compulsory for vehicles on the road in Thailand, and the lowest coverage you can get is Por Ror Bor. This insurance coverage will cover you for damage and losses caused by your car to other drivers, passengers, and pedestrians.
However, there are also private insurance policies you can get that offer much more protection. For a new driver who is driving a modern vehicle, you will want to consider getting ประกันภัยรถยนต์ชั้น 1 or Class 1 Car Insurance for them. It is the most comprehensive insurance available and will cover against the third party, fire, theft, and damage to your car and other road users. It is the most expensive option, but it is worth the investment for your peace of mind. There are also second and third-class insurance for vehicles driving in Thailand, but these will offer less protection for the driver and their car, so you may not want to bother with these.
Give Yourself Peace Of Mind
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When you are driving a vehicle in Thailand, it is a question of when, and not if, you have an accident. Few people will drive their entire lives without being in an accident of some form, so it is best to ensure you have fully comprehensive insurance when driving in Thailand.
Compare the different companies offering the insurance and look at the fine print carefully to avoid any unexpected surprises before you need to make a claim. You can always replace a vehicle, but not a life, so ensure the policy you select has adequate medical insurance if the worst should ever happen to you or your loved ones.
