Protecting a specialist asset with a generalist policy is a fundamental mismatch. That’s the simple truth. A motorcycle, a commercial truck, and a yacht each have their own unique risk profiles that standard auto insurance is simply blind to.
At BSI Broker, we deal only in facts. We analyse the specific risks of your vehicle and source specialist motor insurance that provides clear, unambiguous protection for your business or your passion.
Motorcycle & Big Bike Insurance
A standard car policy doesn’t cover the realities of riding in Thailand. Period. From personal accident cover to bail bond provisions, the gaps left by generic insurance are a serious risk.
We close those gaps. Our job is to find specialist policies from leading motor bike insurance companies that provide the essential protection every rider needs:
- Theft and physical damage to your bike.
- Liability cover for injury or damage to others.
- Personal accident cover for you and your passenger.
- Cover for medical expenses and bail bond.
Commercial Truck & Fleet Insurance
For any business, a commercial vehicle is a revenue-generating asset. Every hour one is off the road, it’s costing you money. Standard policies simply do not grasp this commercial urgency.
Our expertise is building robust vehicle insurance for single trucks or entire fleets. We arrange policies that protect your operation from every angle: from the higher liability limits required in a commercial setting, to protecting the goods you’re carrying, and minimising business disruption if a vehicle is out of action.
Boat & Yacht Insurance
On the water, the rules and the risks are entirely different. Standard motor insurance is irrelevant out here. Period. Marine liability, salvage law, and hull damage are specialist areas that require specialist knowledge.
We navigate this complex market for you, sourcing dedicated boat and yacht insurance from underwriters who focus exclusively on the marine environment. Our policies provide robust cover for the critical risks:
- Hull & Machinery: Physical damage to your vessel, its engine, and its equipment.
- Third-Party Liability (P&I): Cover for any damage or injury you cause to other people, boats, or property, like marinas.
- Salvage & Wreck Removal: The often-immense costs of recovering your vessel after an incident.
Why Choose a Specialist Broker?
The market is complex, and real expertise lies in knowing which questions to ask and which insurers to trust. That’s our job:
- We Understand the Nuances: The liability risk for a commercial fleet is entirely different from that of a private yacht. We see each vehicle’s specific risk profile.
- Access to the Real Market: We work directly with specialist underwriters, including providers you simply will not find online, to get you access to policies that are actually built for your asset.
- Advice That’s 100% on Your Side: Our only obligation is to you, our client. We aren’t here to sell a particular product; we’re here to find the policy that provides the best protection for your investment.
The Right Cover, Made Clear
Why navigate a complex specialist market alone? That’s our expertise. Tell us about your asset, and we’ll present you with clear, competitive options from Thailand’s leading specialist providers.
Let’s find your policy. Contact our team today.
FAQ about Motor Insurance
Are all motorcycles required to have motor insurance in Thailand?
Yes. All registered motorcycles are legally required to have the compulsory motor insurance (Por.Ror.Bor.). Most owners also purchase voluntary motor insurance for financial protection against common risks like theft and accident damage.
What is the mandatory motor insurance required for different vehicles in Thailand?
For land vehicles like motorcycles and trucks, the mandatory motor insurance is the Por.Ror.Bor., which covers bodily injury. For marine craft like boats and yachts, while there isn’t a single equivalent, third-party liability insurance is often required to operate in marinas or specific waters.
What does the compulsory land motor insurance (Por.Ror.Bor.) cover?
The Por.Ror.Bor. is specific to land vehicles and covers medical expenses for bodily injuries or compensation for death to any person involved in a road accident. It provides no coverage for property damage to any vehicle or object, and does not apply to marine craft.
Can I buy additional motor insurance coverage in Thailand for a yacht or big bike?
Absolutely. Insurers offer comprehensive motor insurance policies that cover damage to your own vehicle or vessel, theft, fire, sinking (for boats), and personal accidents. This is highly recommended for high-value assets like big bikes and yachts.
As a foreigner, can I buy motor insurance in Thailand?
Yes. Foreigners who legally own a registered vehicle or vessel in Thailand (e.g., a motorcycle or yacht) and hold the necessary licenses can easily purchase motor insurance from local providers.
