Ngern Tid Lor review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Ngern Tid Lor suits Thai drivers and households who want personal lines from a licensed broker, with premiums from THB 323.14 and an excess of THB 1,000. Its cost score sits at 5.3, so value rests on breadth of cover and a low entry price rather than on a deep discount.
Key facts
- Best for
- Thai households and drivers wanting motor, life, health, home, travel and critical illness cover from one licensed broker.
- Premium from
- THB 323.14 (Source, checked September 26, 2026)
- Insurance types
- Auto, Motorcycle, Van, Life, Health, Critical-illness, Travel, Home (Source, checked September 26, 2026)
- Provider type
- Broker (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- THB 1,000 (Source, checked September 26, 2026)
- Cover limit
- Compulsory third party: 500,000 baht death benefit, 200,000-500,000 baht for dismemberment or permanent disability, 80,000 baht medical costs (Source, checked September 26, 2026)
- Claims channels
- Phone, Chat, Branch (Source, checked September 26, 2026)
- Legal entity
- Ngern Tid Lor Public Company Limited (Source, checked September 26, 2026)
- Headquarters
- Thailand (Source, checked September 26, 2026)
- Founded
- 1980 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- tidlor.com
Apps and profiles
Pros and cons
Pros
- Premiums from THB 323.14, below the site median of €8.37
- An excess of THB 1,000 keeps the amount you keep on a claim small
- Broader line list than Good Sam Insurance Agency, which offers auto, home and renters
- Monthly payments are available, matching 88.9% of brands on site
- Claims can be raised by phone, chat or through a branch, on phone, chat and branch
Cons
- You buy through a broker rather than the insurer, so broker sits in the middle of the decision
- The published premium is compulsory third party cover only, with a death benefit of Compulsory third party: 500,000 baht death benefit, 200,000-500,000 baht for dismemberment or permanent disability, 80,000 baht medical costs levels stated in baht
- Van cover is priced above the market, with a median of €37.17 against THB 323.14 here
- Email is not among its support channels (phone and chat), so written questions run through phone or chat, while the branch option sits with motor claims on phone, chat and branch
Ready to try Ngern Tid Lor?
Scored 9.1 / 10 by AssureCue.
Who it suits
- Drivers in Thailand who want compulsory third party cover at a low entry price
- Families bundling motor, life, health, home, travel and critical illness cover through one broker
- People who prefer a single monthly payment rather than settling each policy at once
Who should look elsewhere
- Shoppers who want to deal with the insurer itself, since broker means a middleman sits between you and the underwriter
- Anyone needing pet or renters cover, which auto, motorcycle and van does not list
- Drivers who want the cheapest van policy, given €37.17 in that market
How your money is protected
Ngern Tid Lor sells as a broker rather than as the underwriter, so the contract sits between you and the insurer it places you with. That arrangement is licensed by the ช00008/2562, the Office of Insurance Commission in Thailand, which is the body named on the licence. The listed cover limit sets out what compulsory third party pays: a death benefit, a wider band for dismemberment or permanent disability, and a medical cost payment. Read those figures as the floor of a motor claim rather than as a full policy limit. Support runs on phone and chat, so contact is by phone or chat, and claims on motor cover can also go in through a branch.
Cover and limits
The line list is broad for a personal broker: auto, motorcycle and van. That mix covers motor, motorcycle, van, life, health, critical illness, travel and home, so a household can place several policies with one provider. On the compulsory third party policy the cover limit pays a set sum on death, a wider band for dismemberment or permanent disability, and a smaller sum towards medical costs. Those amounts are the published minimums for that product, and the wider personal lines sit on separate terms. For readers weighing how much a policy really returns, that structure is the point to check first, because a third party policy answers for someone else and leaves your own car and your own health to other contracts.
Price signals
The entry price is THB 323.14 on compulsory third party motor cover, which sits under the site median of €8.37 and well under the €3,431.08 top of the market. The excess starts at THB 1,000, so the sum retained from a claim is small in cash terms. Monthly payments are offered, which spreads the premium across the year rather than demanding a lump sum at renewal, and every ranking on the site is monthly. Ranked on premium from, the brand sits at 127 of 252, a mid-market position. The figure to treat with care is van cover, where the market median is €37.17, well above the entry premium shown here.
Who regulates the provider
The regulator is the Office of Insurance Commission in Thailand, recorded under the licence ช00008/2562. Because Ngern Tid Lor is a broker, the licence covers its role in placing and administering cover, while the risk itself sits with the insurer named on the policy schedule. That distinction matters for anyone worried about where a claim lands. A broker licence tells you the intermediary is supervised; it does not tell you the underwriter is strong. Check the insurer named on the schedule alongside the broker's own licence, and keep the schedule with the policy documents so a claim goes to the right party.
The company behind it
The legal entity is Ngern Tid Lor Public Company Limited, a public company limited in Thailand, with its headquarters in Thailand. It has been operating since 1980, so the provider has a long trading record rather than a recent launch. Support runs on phone and chat, giving phone and chat routes for questions, and claims on motor cover can be raised through phone, chat and branch, which adds a branch option. The licence ช00008/2562 from the Office of Insurance Commission in Thailand is the regulatory mark to hold in mind, and the length of trading history is what tells you the company was around before the market turned to comparison sites.
How Ngern Tid Lor compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.3- 9.1 vs 9.3
9.1 vs 9.3Max Life Insurance
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2- 9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.6- 9.1 vs 8.4
- 9.1 vs 8.2
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Globely
Where Ngern Tid Lor is available
- Available
- Thailand
- Licence in Thailand
- Office of Insurance Commission (OIC), Thailand (ช00008/2562), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the compulsory third party cover actually pay out?+
The published cover limit sets a death benefit, a wider band for dismemberment or permanent disability, and a smaller medical cost payment. These are the standard Thai third party amounts rather than a negotiated limit, and they answer claims made against you rather than damage to your own vehicle.
What is the lowest premium and what does it cover?+
Premiums start at THB 323.14 on the compulsory third party motor product. That price buys the legal minimum rather than a wider policy, so buyers who want their own car covered need a separate quotation on top of the entry premium.
How much of a claim do I keep?+
The excess starts at THB 1,000, taken off the settlement rather than paid on top. In cash terms that is a small retention, which matters most on smaller motor claims where the retained sum can be a noticeable share of the payout.
Can I pay monthly instead of in one go?+
Yes. Monthly payments are available on the motor range, and monthly lists monthly as the only payment model offered. The premium is then spread across the year, which suits drivers who would rather not settle a full year at renewal.
Who regulates Ngern Tid Lor?+
The Office of Insurance Commission in Thailand is the regulator, recorded under the licence ช00008/2562. Since Ngern Tid Lor is a broker, the licence covers the intermediary role, and the insurer named on your schedule carries the risk.
How do I reach someone, and how do claims work?+
Support runs on phone and chat, so phone and chat are the routes for questions. Claims on motor cover can be raised on phone, chat and branch, which adds a branch option for people who prefer to deal with someone face to face.
Which kinds of cover can I buy from one provider?+
The list runs to auto, motorcycle and van. Motor, motorcycle, van, life, health, critical illness, travel and home cover can all be placed through the same provider, which suits households who want one relationship rather than several.
Is this cheaper than the market average?+
The entry premium of THB 323.14 sits below the site median of €8.37, though the market ranges as far as €3,431.08. Value depends on the line you buy, since van cover in this market carries a median of €37.17.
Sources
- prakantidloh.com checked September 26, 2026
Backs: Insurance types, Legal entity, Licences
“Insurance offered: car, compulsory third party, life, short-term car (30-180 days), truck, motorcycle, cancer, personal accident, travel, home and condo fire”
- prakantidloh.com/th/insurance/car checked September 26, 2026
Backs: Claims channels, Provider type, Excess from, Pricing model, Monthly payments
“For claim problems, call Prakan Tidlor 24 hours on call centre 1501, press 1, or chat on Facebook Prakan Tidlor via Ngern Tid Lor, or contact any nearby Ngern Tid Lor branch”
- prakantidloh.com/th/insurance/compulsory-third-party checked September 26, 2026
Backs: Cover limit, Premium from
“Compulsory third party coverage proven at fault: medical costs up to 80,000 baht, dismemberment or permanent disability 200,000-500,000 baht, death 500,000 baht”
- tidlor.com/th/about-us/background checked September 26, 2026
Backs: Founded
“2523 (1980) started the vehicle title loan business in Phetchabun province under the name Srisawat Phetchabun Co., Ltd.”
- tidlor.com/th/contact checked September 26, 2026
Backs: Headquarters, Support channels
“Head office: 428 Ari Hills Building, Phahonyothin Road, Samsen Nai, Phaya Thai, Bangkok 10400”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Ngern Tid Lor
Thai households and drivers wanting motor, life, health, home, travel and critical illness cover from one licensed broker.