Car insurance in Thailand

[Kevin1908]

How does car insurance normally work in Thailand. In the UK a car must legally be insured and the insurance will specify who is covered to drive the car. Usually a spouse is covered automatically if a husband or wife is the main driver.

Must each driver that will drive the car be listed?

[wilcopops]

there is a very basic insurance that you pay for when you tax the vehicle - this stays with the vehicle - this makes the vehicle street legal.

Most "proper" insurance then bought covers the vehicle.

i believe now some people are getting lower premium by having a NAMED driver associated with the vehicle.

You might also ask about an excess - I have a 5000 baht excess which just about halves my premium (AXA). - (this policy doesn't have a no-claims bonus).

It's difficult to get fully comprehensive cover for older vehicles.

[AAInsuranceBrokers]

For the voluntary insurance you have a choice of Any Driver or (max 2) Named Drivers. As wilcopops pointed out Named Drivers do help to lower the premium (as does a deductible/excess).