Global Motor Insurance Updates

Germany: Regional car insurance classes: What will change in 2026 

2 Sep 2025

For 2026, around 10 million German drivers will see changes in their motor insurance regional classes, affecting liability, comprehensive, and partial coverage. About 5.3 million drivers in 51 districts will benefit from lower premiums, while roughly 5 million in 48 districts face higher rates, though most—around 32.1 million—remain unchanged. Brandenburg, Schleswig-Holstein, Niedersachsen, and Mecklenburg-Vorpommern show the best claims records, with Elbe-Elster in Brandenburg having the lowest damage levels nationwide. Higher regional classes continue to be concentrated in cities like Berlin, Essen, and Wuppertal, with Offenbach showing the worst claims history. For full and partial coverage, changes are minor, impacting only a few million policyholders, while a better regional class generally means lower premiums, influenced primarily by the vehicle owner’s residence.

Thailand: Regulator orders increase in motor coverage limit

2 Sep 2025

Thailand’s Office of Insurance Commission (OIC) has issued Registrar’s Order No. 51/2568, raising the maximum coverage for both compulsory and voluntary motor insurance to THB20 million ($620,000) per incident without increasing premiums. The change also sets a minimum coverage of THB20 million for voluntary third-party liability in cases of death or permanent total disability, effective 1 January 2026 for new policies. Current compulsory policies will immediately follow the new limits, while insurers must update policy forms by January 2026. The OIC says the move ensures adequate protection for accident victims while keeping costs stable for policyholders.

Kyrgyzstan: The law on compulsory motor third-party liability insurance comes into full effect on September 1

1 Sep 2025

As of September 1, the compulsory motor third-party liability insurance (OSAGO) law is fully enforced in Kyrgyzstan. All vehicle owners must now hold a valid OSAGO policy, with fines of 3,000 KGS for individuals and 13,000 KGS for legal entities for non-compliance. The law, effective from January 1, 2025, previously allowed a grace period, which ended on August 31. Authorities emphasize that no further extensions will be granted and urge drivers to secure insurance to support road safety and protect accident victims.

Mexico: “There will be no extension for replacement of license plates,” warns Edomex

29 Aug 2025

Authorities in the State of Mexico confirmed there will be no extension to the August 31 deadline for vehicle re-registration, despite around 65,000 cars still pending the process. So far, 635,000 of the 700,000 required vehicles have complied, generating over 685 million pesos in revenue. The government is offering benefits, including full forgiveness of past debts and subsidies on certain taxes, provided drivers pay for 2024 and 2025. Officials highlighted that the state has the largest vehicle fleet in the country, with over 10 million cars and 1.5 million motorcycles, making compliance essential.