Insurers in Thailand will be required to offer compulsory motor insurance policies in fully digital format from Jan 1, 2026, according to the Office of the Insurance Commission (OIC).

The move to mandatory e-policies aims to provide the public with faster, more transparent services aligned with digital lifestyles, the regulator said on Wednesday.

The goal is to enhance service efficiency, reduce documentation issues and facilitate easier access to policy information, it said.

“Under this order, insurance companies must issue compulsory motor insurance policies in electronic form, allowing policyholders to receive their coverage documents instantly,” it said in a release.

The e-policy system enables insured individuals to present proof of insurance quickly and easily using their phones, reducing the risk of lost or damaged paper documents and supporting a smoother claims process.

This transition is a major upgrade that modernises Thailand’s insurance industry and enhances its alignment with the country’s broader digital transformation,” said the OIC.

According to the regulator, insurers have already prepared the necessary technological and data management systems to ensure a smooth shift from paper-based policies to e-policies for compulsory motor insurance.

The transition will help the public access their policy information more easily, including coverage details and expiration dates, directly from digital platforms, said the OIC.It also supports verification processes, such as annual vehicle tax payments with the Department of Land Transport, and reimbursement procedures for medical expenses for road accident victims at hospitals.