Thailand's regulator, the Office of the Insurance Commission (OIC), has announced that it will move forward with three measures to protect consumers of insurance, including expediting compensation, developing a complaint reduction process and upgrading the protection system for victims of car accidents. These measures aim to promote rights and equal access for all.
Expedited relief and assistance measures
The OIC, through the Benefit Protection Division and the Regional Insurance Promotion and Promotion Division, has implemented expedited relief and assistance measures for policyholders and beneficiaries in the case of group or major accidents.
Enhancing consumer benefits with technology
Through the Protection and Benefits Division, the OIC has implemented an initiative to develop an information system that aims to support insurance benefits, in order to enhance work efficiency in a time of rapid technological change.
This system plays a central role in linking data between the OIC and insurers, allowing them to work together to solve problems for the public to receive initial solutions, and making the acceptance of complaints, mediation of disputes and providing services to the public convenient, fast, transparent and fair.
Improving efficiency of car accident victim protection mechanism
The Department of the Car Accident Victim Protection Registrar has been operating related to consumer protection. In 2Q2025, the OIC also moved forward with measures for compulsory car insurance to improve consumer benefits in three main areas:
- Review conditions of the compulsory motor insurance policy with a guideline to increase the maximum coverage from THB5m ($155,000) to THB10m, up to THB20m for every accident so victims can receive comprehensive compensation. This is expected to come into effect in August 2025.
- Facilitating access to compulsory motor insurance services. Compulsory motor insurance data has been linked to the system used by the Royal Thai Police, in order to support the performance of officers’ duties in checking motorist coverage and rights of accident victims.
- An in-depth research study to create a prototype area for road safety, as well as campaign to promote compulsory car insurance. A prototype area for the road safety project is in Prachinburi Province and was implemented under the campaign “Prachin stands as number one on safe roads, peace of mind with insurance”, which analysed risk points and set measures to prevent road accidents.