Protect yourself against finanical lost 

By legal binding, all vehicles circulating in Lao PDR must have insurance to cover their victims in case of road accidents.

Whether you are the owner/driver of a vehicle such as tuk-tuk, a motorbike, a car, a pick-up or a truck with a very experienced and cautious drive, you may be involved in a traffic accident and there may be victims of bodily injuries or loss of life. 

Allianz General Laos Third Party Liability Motor Insurance cover your expense that may occur in the event of experiencing car accidents in addition to any resulting property damages or physical injuries or death.

Allianz General Laos Third Party Liability Motor Insurance will reimburse to the other parties as follows:

  • Medical and hospital costs in case of injury
  • Permanent disability
  • Death compensation to victim's family
  • Damage to property (e.g. vehicle, object, animal and/or transported goods)
Important note that the Third-Party Liability Insurance will only cover the damages obtained by a third party resulting from an accident in which you are responsible but not your vehicle.

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Detail of Coverage (in LAK)
Compulsory (AB0)
AB 1
AB 2
No fault Principle
1. Bodily injury, Max. per accident  101,400,000 250,000,000 500,000,000 10,000,000
- Death, Max. per person 12,000,000 25,000,000 35,000,000 3,000,000
- Total Permanent Disability, Max. perperson 12,000,000
25,000,000 35,000,000 3,000,000
- Medical Expenses, Max. per person 1,800,000 2,500,000 3,500,000 1,800,000
(of which Basi fee for hospitalization) 100,000 160,000 200,000 100,000
2. Material Damages, Max. per accident 5,200,000 17,500,000 50,000,000 0
3. Legal Defense, cover H, Max. per acciden 150,000 150,000 150,000 0
Discover the right protection for you and your vehicle.

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Motorbike less than 50 CC
137,600
194,195
307,385
Motorbike 50 CC to 124 CC
182,645
238,085
398,630
Motorbike 125 CC and more
212,675
277,355
482,945
3 Wheels or TUK TUK
295,450
475,630
922,615
Less than 2,000 CC
288,520
541,465
1,057,750
2,000 CC and more
307,000
608,455
1,205,590
Less than 2,000 CC
497,575
774,775
1,548,625
2,000 CC and more
557,635
874,105
1,769,230
on product coverage and tariff