The Office of the Insurance Commission (OIC) is accelerating the digital transformation of the country's compulsory motor insurance system, aiming to improve protection for road accident victims, enhance operational efficiency, and integrate insurance coverage more closely with annual vehicle tax renewals.
Mayurin Sutthirattanapan, assistant secretary-general at the regulator, said the OIC held discussions with business representatives about reforms to the compulsory motor insurance framework as the nation transitions to a digital economy.
The discussion focused on four major areas: improving insurance data systems, promoting digital insurance policies, revising coverage rules to better reflect actual car usage, and strengthening road safety and victim protection measures.
The reforms are expected to make insurance services more convenient, transparent and efficient for the public, while aligning the sector with evolving digital and sustainability trends.
The OIC plans to improve the accuracy, completeness and timeliness of insurance data submitted into the system to facilitate greater integration with government agencies, including the Department of Land Transport, the police, and public health authorities.
Enhanced data connectivity will help motorists more easily renew annual vehicle taxes, verify insurance status, and access compensation and protection benefits for road accident victims, Ms Mayurin said.
The regulator set a target for all insurers to submit data for the Compulsory Motor Insurance System, the central database used for compulsory motor insurance reporting, on a real-time basis by the end of the third quarter of 2026.
Insurance companies have also been instructed to strictly comply with standardised reporting requirements to strengthen nationwide data integration.
DIGITAL POLICY PUSH
The second measure centres on reducing the use of paper insurance documents and accelerating the adoption of electronic insurance policies, or e-policies, as part of Thailand's sustainability and digital government agenda.
All 35 insurers currently offering compulsory motor insurance are already capable of issuing e-policies and submitting data to the custodian system at a 100% compliance rate.
Between January and April this year, more than 14 million e-policies were issued, reflecting growing adoption across the industry.
The regulator is now encouraging insurers to make digital policies the primary delivery channel in order to reduce printing, logistics, and document management costs while improving long-term service efficiency.
The third reform involves aligning insurance coverage periods with annual vehicle tax payment cycles. The OIC is working with the Department of Land Transport to ensure that all vehicles in the country maintain uninterrupted compulsory insurance coverage as required by law.
The regulator opened a public consultation process through Thailand's Law Portal system and invited insurers and stakeholders to provide feedback to ensure the new regulations are practical and effective once implemented.
ROAD SAFETY EXPANSION
The fourth initiative focuses on expanding road safety and accident victim protection programmes nationwide in 2026.
Building on pilot projects launched in 2025, the OIC said it is developing a broader systemic model that uses area-specific data and multi-sector cooperation to reduce road accidents and improve public safety outcomes.
New pilot provinces for 2026 include Prachin Buri, Nakhon Nayok, Nakhon Sawan and Suphan Buri, where authorities aim to establish "safe road community" models tailored to local risk conditions.
The OIC also called on insurers to support the initiative through data sharing, public awareness campaigns, and the development of insurance products that better reflect regional risk profiles.
"The latest discussions marked an important step towards creating a unified operational direction between regulators and the insurance industry," said Ms Mayurin.
The reforms are expected to improve service standards, strengthen protection for accident victims, and enhance public confidence in Thailand's insurance system over the long term, she said.
