Starting January 1, 2026, Thai insurers will be required to issue compulsory motor insurance policies entirely in digital format, as announced by the Office of the Insurance Commission (OIC).
This mandatory shift to electronic policies aims to deliver faster, more transparent services that cater to the digital habits of consumers. The regulator explained that the move seeks to improve service efficiency, minimize documentation issues, and make policy information more accessible.
Under the new regulation, insurance companies must provide policies electronically, enabling policyholders to receive their coverage documents instantly. This system allows insured individuals to show proof of insurance conveniently via their mobile phones, reducing the risk of losing or damaging paper documents and streamlining the claims process.
“The transition to e-policies is a significant upgrade that modernizes Thailand’s insurance industry and aligns it with the country’s broader digital transformation,” stated the OIC.
The regulator noted that insurers are already equipped with the necessary technological infrastructure and data management systems to ensure a seamless switch from traditional paper policies to digital ones for mandatory motor coverage.
This change will make it easier for the public to access detailed policy information—including coverage specifics and expiry dates—through digital platforms. Additionally, it will support verification processes such as annual vehicle tax payments with the Department of Land Transport and reimbursement procedures for medical expenses related to road accidents at hospitals.