What is Porobor and 1st Class insurance in Thailand and how do they differ?

In Thailand, it is important to distinguish between two types of car insurance to avoid being left without money in an emergency.

• Porobor (Por Bor Ror) is a mandatory state insurance, similar to our compulsory motor third-party liability insurance. Its receipt is usually stuck on the windshield. It is important to know: this policy covers only the medical expenses of those injured in an accident. It will pay for the treatment of the driver, passengers, or pedestrians, but you will not receive a single baht for car repairs under it.
• Voluntary commercial 1st class insurance (First Class Insurance) is a local analogue of full comprehensive insurance. For a rented car, strictly this one is needed. Such insurance covers damage to your car, another person's car, and any damaged property, regardless of who is at fault. However, conditions may vary: some have a deductible (usually 2500-5000 baht) that you pay out of your pocket, some include only theft insurance. Before renting, be sure to find out all the details and read the contract.

We have detailed this and other nuances in the article Car rental in Thailand 2026: complete guide.

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