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Compare Motorbike Insurance for Expats

Riding a motorcycle in Thailand comes with its share of risks, including a heightened chance of accidents. The need for comprehensive coverage becomes crucial in a place where traffic norms differ significantly from what you might be used to. At Expat Compares, we understand these unique challenges faced by expatriates. That’s why we’ve partnered with a variety of insurance providers to bring you an extensive selection of motorbike insurance policies. Tailored to fit any need and budget, and suitable for any age, make, or model of motorbike, we ensure you’re fully protected, giving you peace of mind on the roads of Thailand.

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Instant Car Insurance Quotes for Expats

Welcome to Expat Compares, your ultimate destination for Annual Car Insurance in Thailand. Navigating through the myriad of insurance options can be daunting, especially for expats. That’s where we come in! Our platform allows you to effortlessly compare a wide range of annual car insurance plans, tailored to meet the unique needs of the expat community. Get instant quotes and receive your insurance documentation directly in your email on the same day.

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Main Points of Motorcycle Insurance Thailand

Why Choose Expat Compares for Your Insurance Needs:

Guaranteed Lowest Rates on Motorbike Insurance

Find the perfect balance of coverage and cost with our carefully selected motorbike insurance plans. We guarantee the best prices, so you can ride with confidence knowing you’ve secured a great deal.

Motorbike Insurance on Easy Installments

Spread the cost of your motorbike insurance with flexible installment plans. Pay your premiums over 10 months using any Thai Credit Card, without any extra charges, making it easier to manage your finances.

24/7 Online Policy Purchase

Whether it’s dawn or dusk, our online platform is always ready for you. Compare motorbike insurance plans and purchase your policy at any time, from anywhere, ensuring you’re never left uncovered.

Exclusive Freebies with Your Policy

Drive with an added layer of comfort thanks to free extras like 24/7 roadside assistance, comprehensive theft protection, and a substitute motorbike during repairs (depending on your selected plan).

Transparent Costs, No Surprises

The price displayed is the price you pay. We believe in honest, transparent pricing for all our motorbike insurance plans, with absolutely no hidden fees or additional charges.

Effortless and Speedy Sign-up

Get your motorbike covered quickly and without hassle. Our streamlined comparison and sign-up process means you can secure your insurance swiftly and get back to enjoying the ride.

Transparent Costs, No Surprises

The price displayed is the price you pay. We believe in honest, transparent pricing for all our motorbike insurance plans, with absolutely no hidden fees or additional charges.

Effortless and Speedy Sign-up

Get your motorbike covered quickly and without hassle. Our streamlined comparison and sign-up process means you can secure your insurance swiftly and get back to enjoying the ride.

Flexibility in Purchase and Support

Choose the convenience of a self-serve online purchase or the personalized assistance of our insurance advisors. At Expat Compares, your comfort in the purchasing process is our priority.

Trusted by the Expat Community

Our reputation as a trusted insurance provider has been built on years of reliable service and the positive experiences of our expat clients. With Expat Compares, you’re choosing a partner that stands by you.
At Expat Compares, we’re more than just an insurance provider; we’re your partner in navigating the complexities of living abroad, offering peace of mind through tailored insurance solutions.
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Classes of Insurance for Motorbike

First Class Motorcycle Insurance
Ideal for big bikes up to 5 years old with engines of 250cc or larger, First Class Motorcycle Insurance offers comprehensive protection similar to car insurance Type 1. This includes coverage for both bodily injury and property damage to you and third parties, as well as protection against collisions, falls, or slips not caused by another vehicle. It also covers theft and fire damage. Unique to this policy is a deductible, making it a favored choice among big bike enthusiasts for its extensive coverage mirroring the value of high-end motorcycles.
Motorcycle Insurance Type 2+
Type 2+ Motorcycle Insurance is available for both big bikes and standard motorcycles up to 5 years old, offering broad coverage that includes bodily and property damage for both the insured and third parties, as well as theft and fire. However, it does not cover accidents from falls or slips unless involving another motor vehicle, setting it apart from Type 1 insurance. This plan is designed for riders looking for comprehensive protection with specific conditions for claims.
Motorcycle Insurance Class 3+
Designed for motorcycles and big bikes up to 6 years old, Class 3+ Insurance mirrors the coverage of Type 2+ but excludes protection for loss due to theft or fire. Claims require the involvement of another motor vehicle. This policy offers a balanced option for riders seeking substantial protection without the comprehensive coverage of loss and fire.
Motorcycle Insurance Type 3
Offering the most basic level of coverage, Type 3 Motorcycle Insurance covers only damages to third-party property and injuries, without any protection for the insured’s own bike. Due to its limited coverage, it’s less popular among riders, with many opting for the more inclusive Type 2+ or 3+ plans instead.

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Steps to apply for Motorcycle Coverage

Select Your Desired Insurance Type

Browse through our comprehensive range of insurance options tailored for expatriates. Whether you’re looking for health, car, or property insurance, start by choosing the coverage that best suits your needs.

Customize Your Insurance Plan

Once you’ve identified the type of insurance you require, personalize your plan by providing your details. Our system will guide you through a simple process to ensure the plan meets all your specific requirements.

Instant Coverage and Document Delivery

After selecting and customizing your plan, complete your purchase for immediate protection. Your insurance documents will be promptly emailed to you, ensuring you’re covered without delay.

Buying motorbike insurance is simple & easy

To apply for motorbike insurance, we will need the documents from you as below (This applies to every insurance companies) :

Start Your Application

Apply Online or Contact Us: Begin by applying through our website or reaching out to one of our customer service representatives for personalized assistance.

Provide Identification

Submit Passport or License: Upload a copy of your Passport or Thai Driving License to verify your identity and eligibility for insurance coverage.

Vehicle Documentation

Registration Verification: Submit a copy of your motorbike’s Green Book, Registration, or Deed of Sale to confirm the details of the vehicle you’re insuring.

Payment of Premium

Invoice and Payment: Once your application is reviewed, we’ll send you an invoice. Pay the premium to activate your insurance coverage instantly.

Confirmation of Coverage

You’re Insured: Congratulations! You’re now covered. Ride with peace of mind knowing you have Expat Compares’ motorbike insurance protection.

Receive Your Policy

Policy Delivery: The original insurance documents (policy) will be mailed to your specified address within 7-14 days, completing your insurance setup.

Visual Inspection (For Type 1 Insurance)

Submit photos of your car from all angles (left, right, front, back) for a preliminary visual inspection. Note: Depending on the insurer, you might have the option to conduct this step yourself or arrange for an inspection by the insurance company’s representatives.

*Some insurance companies ask for pictures of your bike for inspection purposes, this is especially necessarry for First Class Insurance.

You can send addtional documents to us by LINE Chat with us on Whatsapp or by Email Support@expatcompares.com.

Participating insurance companies

We select only the leading insurance companies for you.

Frequently asked questions

What's the best type of insurance for me through Expat Compares?
Choosing the right insurance plan through Expat Compares depends on your individual needs and how often you use your motorbike. For those with high-value bikes, such as big bikes, our Type 1 insurance is highly recommended due to its comprehensive coverage. However, for less frequent riders looking to save on premiums, Types 2+ and 3+ offer significant protection at a more economical rate. We generally advise against opting for Type 3 due to its limited coverage.
What's the difference between authorized dealership repairs and garage repairs?
With Expat Compares, authorized dealership repairs mean your motorbike will be serviced at the brand’s official dealership, ensuring high-quality parts and service, particularly for high-value bikes like Ducatis. This option is available with our Type 1 insurance. Garage repairs, available with Types 2+ and 3+, involve repairs at a network of garages approved by the insurance provider, offering flexibility and convenience without compromising on quality.
Is my motorbike protected immediately after purchase?
Absolutely. Once you complete your payment with Expat Compares, your coverage starts instantly. Should any incident occur, you can reach out directly to the insurance provider’s hotline for immediate assistance.
Who should I contact in case of an accident?
In the unfortunate event of an accident, each motorbike insurance policy comes with a dedicated hotline for the insurance provider, available 24/7. The hotline number can be found directly within your policy details for easy access when you need it most.
What does the deductible entail?
The deductible, primarily applicable in our Type 1 insurance for big bikes, is the amount you need to pay out-of-pocket before the insurance covers the rest of the claim. This applies if the accident was your fault. If not at fault, you may not need to pay this deductible, allowing for lower premiums.
Am I covered for slips or crashes without another party involved?
Yes, but only with our Type 1 insurance plans. This coverage ensures protection against solo accidents, such as slips or falls. If the repair cost is below the deductible amount, it may be more cost-effective to handle the repairs yourself. However, for more significant damage, a claim can be filed immediately with the insurer.
What’s the maximum vehicle age for insurance coverage?
The acceptance of your motorbike’s age for insurance through Expat Compares varies by plan and insurance provider. Generally, for big bikes, the cutoff is no more than 5 years old for Types 2+ and 3+, while Type 3 insurance has no age limit, offering flexibility for older models.
Do I get a discount for having no claims?
Yes, for our Type 1 big bike insurance plans, a no-claim history could qualify you for a discount of up to 20% on your next year’s premium, subject to the insurance company’s terms. This benefit is designed to reward safe riding practices.
When will I receive my policy documents?
You’ll receive a PDF version of your policy via email or LINE within one day of purchase, which you can use immediately. The physical policy documents, dispatched by the insurance company, typically arrive within 7 days, ensuring you have all necessary documentation promptly.