Things to know about insurance when renting a car in Thailand

12.03.2018

When you drive around Thailand in a rental car, you want to have only pleasant experiences without being distracted by potential problems or incurring additional costs. Anything can happen on the road, including an accident, breakdown, vehicle theft, etc. This is why it's better not to take chances and rent only a properly insured vehicle.
MAKS Car Rental cares about its customers and offers vehicles covered by commercial insurance.

In Thailand, there is a significant difference between insuring a car for personal use or for commercial use.
Small car rental companies and individual entrepreneurs (private owners) who rent out their cars in Thailand do not generally bother themselves with this issue and often purchase the cheapest 1st class insurance, which is not valid for a rental car.

1. The right insurance option for a rental car (a copy must be in the car)

Comprehensive (Commercial) insurance for car rental

Fig. 1A — Comprehensive (Commercial) insurance for car rental

1) The code must be 120. Another code is NOT valid.
2) Expiration date.
3) “For commercial use”. For car rental (sometimes this can be found in the Thai language).

Compulsory civil liability insurance (Porabo) for rent

Fig. 1B — Compulsory civil liability insurance for rental cars

1) The code must be 3.10
2) Expiration date.
3) ”For commercial use”. For car rental (this can be found both in Thai and in English).

If you have these 2 insurance policies in the rental car, then everything is all right. Your insurance policies comply with all rules and meet all requirements for insuring rental cars in Thailand.

2. The wrong option. (INVALID if driving a rental car)

1st class insurance (for personal use only! Not for rentals!)

Fig. 2A — 1st class insurance (for personal use only! Not for rentals!)

1) Code 110 is INVALID. The code must be 120 when driving a rental car.
2) Can be translated as “ONLY for personal use of the vehicle” (this is nearly always in Thai).

Compulsory insurance (for personal use)

Fig. 2B — Compulsory insurance (for personal use)

1) Code 1.10 is INVALID if driving a rental car.
2) Can be translated as “ONLY for personal use of the vehicle” (this is nearly always in Thai).

If, in the rental car, you have a set of insurance policies like those shown in Figures 2A and 2B, we recommend that you immediately address this issue with the unscrupulous rental service provider. Do not believe any excuses or attempts to talk you out of it, such as "There was never any problem”, “Everything will be fine”, “If anything happens, we will deal with it”, etc.

If you are at fault for a serious road accident, the insurance company will refuse any compensation of damages.
If the road accident involves other people (injured party), you may be brought to a police station to settle all financial claims by those who suffered injury or damage through your fault.
You will have to reimburse all expenses, including the payment of medical treatment (very expensive in Thailand), the costs to repair one or more vehicles, etc.

We hope that this recommendation will help to give you peace of mind and eliminate the risks of losing your time and money.

MAKS Car Rental offers its customers car rental services with commercial insurance that will protect you from many risks.


MAKS CAR RENTAL

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You can find more information about the terms and conditions of car rental services at: Conditions of car rental in Pattaya

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Bun Kanchana Alley
Pattaya, Bang Lamung
TH-Chon Buri, 20150
+66 85 417 8581
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