CTPL : Government Compulsory Insurance
In 1992, the Thai government has passed a law that required all vehicles in the Kingdom of Thailand to have an insurance coverage that covers the medical expense of road victims. The law was implemented in April 5, 1993. If an owner of a vehicle fails to have this insurance, he/she will face a fine of THB 10,000 – 50,000.
Coverage of Compulsory Motor Insurance
The compulsory motor insurance only covers bodily injury of the road victims. The property damage is not included. The coverage is divided as followed:
1. Primary Loss
1.1 If the road victim receives a bodily injury, the insurer is subjected to pay for the actual medical expense of the road victim but not exceeding THB 15,000
1.2 If the road victim has lost his/her life, the insurer is subjected to pay the total of THB 15,000 for person.
1.3 If the road victim has received a medical treatment and lost his/her life at a latter stage, the insurer is subjected to pay accordingly to clause 1.1 and 1.2.
2. Loss that exceeds the primary loss
2.1 The insurer is subjected to pay for the excess amount from the primary loss for a bodily injury case but not more than THB 50,000 per person.
2.2 The insurer is subjected to pay for the excess amount from the primary loss for a loss of life case but not more than THB 80,000 per person.
of the Compulsory Motor Insurance coverage |
1. Bodily injury maximum THB 50,000/ person
2. Dismemberment maximum THB 80,000/ person
3. Loss of life maximum THB 80,000/ person
Maximum coverage per case
1. Vehicle with less than 7 seats maximum THB 5,000,000/ case
2. Vehicle with more than 7 seats maximum THB 10,000,000/ case
Note : If it is proven that the driver is at fault, the insurer will only be responsible for primary loss coverage..
CTPL liability limits courtesy of Thai Visa/AA Insurance *****|
Typical CTPL Policy
***** CTPL Policy Blank courtesy of Thai Development Insurance Company Limited *****
565/62 Moo 10