Personal Liability for Travel Insurance Thailand

Personal liability insurance protects you financially if you accidentally injure someone or damage their property during your trip in Thailand. It’s less common than medical insurance, but it can provide valuable peace of mind. Read our blog on Personal Liability Insurance to get a detailed understanding of this benefit.

personal liability insurance thailand

Is Personal Liability Insurance Recommended for Thailand?

Thai people are friendly and understanding if there is ever an accident to their property or themselves. As long as it’s an accident. However that does not mean that you will not have a lawsuit on your hands as it all depends on your situation. While personal liability insurance is not on the top of the list, it can still prove to be a measure of safety you can have in the back pocket.


How Much Personal Liability Coverage Do You Need for Thailand?

The best way to determine this would be comparing Local Standards: Consider the cost of living and potential repair costs in Thailand to determine an adequate coverage amount. However the list of accidents that could occur are endless so it is difficult to put an exact coverage amount.

To give a rough estimate to cover most average accidents, having coverage of USD 50,000 – USD 100,000 can be a good amount. Be sure to read each travel insurance policy as what is covered under a personal liability differs from one policy to another.

Personal Liability in Thailand: Examples

  • Scenario 1: You accidentally bump into someone at a crowded market, causing them to drop and break their phone. Personal liability insurance would most likely cover the cost of the phone replacement.


  • Scenario 2: While renting a motorbike in Koh Samui, you accidentally forget to break in time and your motorbike crashes into a private property gate. However you were speeding and not driving within traffic law speed limits. This would likely not be covered as in most cases it needs to be an accident within the law.

By comprehending the scope and constraints of personal liability insurance, you can make a well-informed choice regarding its inclusion in your travel insurance for Thailand.

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