Section 867
Statutory text (Thai original)
อันสัญญาประกันภัยนั้น ถ้ามิได้มีหลักฐานเป็นหนังสืออย่างใดอย่างหนึ่งลงลายมือชื่อฝ่ายที่ต้องรับผิดหรือลายมือชื่อตัวแทนของฝ่ายนั้นเป็นสำคัญ ท่านว่าจะฟ้องร้องให้บังคับคดีหาได้ไม่ให้ส่งมอบกรมธรรม์ประกันภัยอันมีเนื้อความต้องตามสัญญานั้นแก่ผู้เอาประกันภัยฉบับหนึ่งกรมธรรม์ประกันภัย ต้องลงลายมือชื่อของผู้รับประกันภัย และมีรายการดังต่อไปนี้(๑) วัตถุที่เอาประกันภัย(๒) ภัยใดซึ่งผู้รับประกันภัยรับเสี่ยง(๓) ราคาแห่งมูลประกันภัย ถ้าหากได้กำหนดกันไว้(๔) จำนวนเงินซึ่งเอาประกันภัย(๕) จำนวนเบี้ยประกันภัย และวิธีส่งเบี้ยประกันภัย(๖) ถ้าหากสัญญาประกันภัยมีกำหนดเวลา ต้องลงเวลาเริ่มต้นและเวลาสิ้นสุดไว้ด้วย(๗) ชื่อหรือยี่ห้อของผู้รับประกันภัย(๘) ชื่อหรือยี่ห้อของผู้เอาประกันภัย(๙) ชื่อของผู้รับประโยชน์ ถ้าจะพึงมี(๑๐) วันทำสัญญาประกันภัย(๑๑) สถานที่และวันที่ได้ทำกรมธรรม์ประกันภัย
Verbatim from the Royal Gazette / Office of the Council of State
English translation
A contract of insurance cannot be enforced by action unless there is some written evidence of it signed by the party liable or by his agent.
One copy of an insurance policy, the contents of which conform to the contract, must be delivered to the insured. The policy must be signed by the insurer and must contain the following particulars:
(1) the subject matter insured;
(2) the risks against which the insurer insures;
(3) the value of the insurable interest, if fixed;
(4) the sum insured;
(5) the amount of the premium and the method of payment;
(6) where the contract is for a fixed term, the times at which it begins and ends;
(7) the name or trade name of the insurer;
(8) the name or trade name of the insured;
(9) the name of the beneficiary, if any;
(10) the date of the contract of insurance;
(11) the place and date of the making of the policy.
ThaiLawOnline translation, written from the Thai original and verified
Firm annotation
Section 867 is part of Book 3 (Specific Contracts) of the Thai Civil and Commercial Code. This entry is awaiting firm-authored commentary; the statutory text above is verbatim from the Office of the Council of State (OCS Krisdika) Thai source. The English translation is ThaiLawOnline's own, written from the Thai original and verified against it. Always rely on the Thai original for legal proceedings.
Why this matters in practice
Lawyers: The insurance contract itself is formed when there is mutual agreement — the policy document is issued later as evidence. The policy must accurately reflect the terms agreed. Conditions in the policy (e.g. exclusions) must be clearly communicated and are binding if they were part of the agreed terms. Laypeople: Always make sure you receive the actual insurance policy, not just a cover note. Read the exclusions carefully — they are enforceable.
Legislative history
Part of the original Civil and Commercial Code codification; no major subsequent amendment.
Supreme Court decisions interpreting this section
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Supreme Court Judgment No. 5133/2542 (1999) ★ Landmark
An insurance contract comes into existence upon agreement of the parties; the written policy is evidence of the contract, not a condition of its formation.
An insurance contract is formed upon mutual agreement — the written policy document is not the contract itself but evidence of it. Section 867(1) merely requires written evidence of the contract signed by the liable party for enforcement; it does not require the policy as a condition of formation.
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Supreme Court Judgment No. 4093/2540 (1997)
An insured who admits liability or promises compensation without the insurer's consent in breach of a policy condition may forfeit the right to indemnity for that claim.
A policy condition requiring the insured not to admit liability or promise compensation to any person without the insurer's consent was binding on the insured. Where the insured admitted liability to a third party without the insurer's consent, the insurer was not bound to indemnify for that admission.
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Supreme Court Judgment No. 204/2545 (2002)
The insurance policy must conform to the contract; where the policy diverges from the agreed terms, the agreed terms prevail.
The insurance policy is a document that the insurer creates after the contract has been formed. Under Section 867(2), the insurer must deliver a policy whose content conforms to the insurance contract. Any discrepancy between the policy and the agreed terms must be resolved in favour of the agreed terms.
Curated decisions with case numbers verified against the Supreme Court database. English renderings are the firm's editorial translation for study.
Cited in 27 Supreme Court decisions (1978 to 2024)
Selected citing decisions
- Decision 12377/2558 (2015)
- Decision 7174/2558 (2015)
- Decision 2124/2558 (2015)
- Decision 7300/2538 (1995)
- Decision 3180/2538 (1995)
- Decision 1867/2538 (1995)
- Decision 5434/2537 (1994)
- Decision 3888/2537 (1994)
This list is selected automatically, weighted towards judgments that turn on this section rather than ones that merely recite it when passing sentence. It has not yet been reviewed by the firm.
Most often cited alongside
Sections that appear in the same judgments as this one most often. The figure is the number of decisions.
Counted across the firm's corpus of 83,652 Supreme Court decisions, 1921 to 2026. The count is complete; the stated year range trims rare outliers so it describes where the citations actually sit. These figures are computed by us and are not official court statistics.
Related guides on ThaiLawOnline
Cite this section
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Plain citation
Civil and Commercial Code, s. 867 (Thailand) -
Academic citation
Civil and Commercial Code (Thailand), s. 867. ThaiLawOnline, https://www.thailawonline.com/thai-civil-code/section-867/ (accessed 8 August 2026). -
Thai citation
ป.พ.พ. มาตรา 867 -
Permalink
https://www.thailawonline.com/thai-civil-code/section-867/ -
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<blockquote cite="https://www.thailawonline.com/thai-civil-code/section-867/"><p>A contract of insurance cannot be enforced by action unless there is some written evidence of it signed by the party liable or by his agent. One copy of an insurance policy, the contents of which conform to the contract, must be delivered to the…</p><footer>Civil and Commercial Code, s. 867 (Thailand) — <a href="https://www.thailawonline.com/thai-civil-code/section-867/">ThaiLawOnline</a></footer></blockquote>
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