From 1 January 2026, Thai car insurance will require you to list who drives your car. If your car was first registered on or after 1 June 2025, this may already apply. It's easy: tell us the drivers' names and we'll make sure your policy meets the rule—you can update the list anytime.

The Office of Insurance Commission (OIC) has issued new guidelines for voluntary (non-compulsory) motor insurance policies.

Who it applies to (2025 registrations):

• Private cars (Code 110 — not for hire or rental)
• Private vans/minibuses (Code 210 — not for hire or rental, passenger limit 20)
• Private motorcycles (Code 610 — not for hire or rental)

Key changes:

• Named-driver policy required — 1 to 5 named drivers per vehicle.
• Accidents involving unnamed drivers — the policyholder will pay an excess of:
  • ฿2,000 for damage to third-party property
  • ฿6,000 for damage to the insured vehicle
• Premiums based on driver history — past 12 months of driving behaviour, rated from 1 (low risk) to 5 (high risk).

From January 1, 2026, these rules will apply to all vehicle registrations.

These updates aim to make insurance policies clearer, fairer, and more transparent.

For more information, please contact our service team.