Moving insurance in Thailand — coverage tiers by move value
Moving insurance Thailand splits into three tiers, standard liability, declared-value, and all-risk, each with different coverage limits, exclusions, and pricing.
- Standard liability 100,000 THB, Thai minimum for licensed movers.
- Declared-value coverage 300,000-2,000,000 THB, required by premium condos.
- All-risk policies highest tier, includes damage during packing/unpacking.
- Common exclusions: cash, jewellery, documents, family memorabilia.
- Verify certificate policy number, insurer, coverage, expiry.
The three moving insurance tiers
Every legitimate Thai mover carries at least the minimum tier. Higher tiers unlock better coverage for premium moves.
Tier 1: Standard liability (100,000 THB)
Thai minimum for licensed movers. Covers general damage during transit. Does not cover packing/unpacking damage. Adequate for studios and small condo moves under 250,000 THB declared value.
Tier 2: Declared-value coverage (300,000-2,000,000 THB)
Required by premium condo towers and expat-branded buildings. Coverage matches your declared home value. Premium 2-5 percent of declared value per move.
Tier 3: All-risk policies (2,000,000+ THB)
Highest tier. Covers packing damage, transit damage, unpacking damage, and storage damage. Villa moves, industrial relocations, and high-value expat moves require this. Premium 5-8 percent of declared value.
The most common moving insurance Thailand mistake is assuming standard mover liability covers cash and jewellery. Cash, jewellery, documents, and family memorabilia are almost always excluded, carry these yourself.
Coverage and exclusions
| Item | Standard | Declared-value | All-risk |
|---|---|---|---|
| General furniture damage | Yes | Yes | Yes |
| Packing damage | No | Partial | Yes |
| Storage damage | No | No | Yes |
| Cash/jewellery | No | No | Rarely |
Comparing competitive quotes from verified Thai movers takes 2 minutes and can save you thousands of baht. Why miss out?
Verifying an insurance certificate
Every legitimate mover should provide a current certificate showing policy number, insurer name, coverage amount, and expiry date. Cross-check the insurer at Thai Life Assurance Association or OIC (Office of Insurance Commission) records. Refuse quotes without a valid certificate.
Claim process and timelines
File claims in writing within 3-7 days of damage discovery. Photograph damage before movers leave. Standard claim resolution 30-60 days. Escalate to OIC after 90 days if insurer refuses valid claim.
Get your quotes in 4 steps
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When to declare higher value
Premium condos and expat-branded buildings require declared-value matching your home contents. Villa moves with heirloom furniture, artwork, or antiques need declared-value coverage 500,000-2,000,000 THB. Standard liability leaves 200,000-1,800,000 THB uncovered on high-value moves.
Verify before you sign
Every legitimate mover carrying insurance should have DBD registration. Verify at dbd.go.th. See condo moving service for tier-specific insurance requirements.
