Insurance · Vehicle insurance
Dara Insurance
Vehicle insurance · Phnom Penh
Dara Insurance Plc. is a Cambodian general insurer founded in 2017, regulated by the Insurance Regulator of Cambodia (IRC) and majority-owned by Cambodian shareholders (with a stake held by the Royal Group conglomerate). The company covers the full non-life market in Cambodia: vehicle (motor, motorbike, fleet), home, travel, group health, personal accident, marine, freight, construction and engineering, as well as a business line for SMEs and large accounts. Dara is one of the most active insurers in vehicle cover for the local and middle-class expat clientele, with a network of agents and bank partnerships (notably with Sathapana Bank and Phillip Bank). For expats in Cambodia, Dara is regularly used for vehicle insurance (motor and motorbike) thanks to competitive rates and a claims process considered relatively quick (10–18 days on average). As with all local insurers, documentation and customer service are in English and Khmer; no French support. Dara is approved by the GDLT to issue the vehicle insurance certificate required at registration. For health and long-term expatriation, Dara remains a complementary option, to be combined with an international health insurer (April, Allianz Care, Cigna). No active AM Best rating for Dara.
Verified on
- Website
- https://www.darainsurance.com.kh
- Phone
- +855 23 999 988
- Languages
- EN KH
- Google Reviews
- 4.0 / 5 (60 reviews)
Address
No. 27, Street 134 (corner of Street 51), Sangkat Mittapheap, Khan 7 Makara, Phnom Penh 12253
ផ្ទះលេខ ២៧ ផ្លូវ ១៣៤ (ជ្រុងផ្លូវ ៥១) សង្កាត់មិត្តភាព ខណ្ឌ ៧ មករា ភ្នំពេញ
Insurance types covered
Advantages & drawbacks
Advantages
- Competitive motor / motorbike rates — Often cheaper than Forte / Infinity on mid-range vehicles.
- Claims paid in 10–18 days — Relatively quick vehicle settlement times per user feedback.
- Sathapana / Phillip bancassurance — Accessible subscription for customers of these banks.
- Multi-line — Motor, motorbike, home, group health, business — possible one-stop shop.
Drawbacks
- No independent rating — No AM Best / S&P rating, to be balanced by reading the IRC report.
- No French version — Documents and customer service in English / Khmer.
- Limited health caps — Suited to local care, not international expat health cover.
- Young company — Founded in 2017 — still a short claims track record.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| Motor Insurance | Vehicle insurance | Individuals and fleets | Third-party liability, comprehensive damage, theft, broken glass. |
| Home Insurance | Home insurance | Owners and tenants | Fire, theft, water damage, third-party liability. |
| Travel Insurance | Travel insurance | Short-stay travellers | Travel medical, cancellation, baggage. |
| Personal Accident | Personal accident | Individuals | Accidental death / disability lump sum. |
| Group Health | Health insurance | SME employers | Group hospitalisation, modular plans. |
| Commercial Lines | Business insurance | SMEs and large accounts | Property, marine, engineering, professional liability. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation (group health) | Up to USD 50,000 / year | — |
| Medical evacuation | Up to USD 30,000 | — |
| Vehicle third-party liability (bodily) | Up to USD 50,000 | — |
| Home | Customisable based on declared value | — |
| Travel — medical costs | Up to USD 100,000 | — |
| Personal accident lump sum | Up to USD 100,000 | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Cambodia | Included | — |
| ASEAN | Included | Travel and evacuation. |
| Worldwide | Optional | — |
| USA / Canada | Excluded | — |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation and surgery | Included | — |
| Outpatient medicine | Optional | — |
| Maternity | Optional | — |
| Dental | Optional | — |
| Pre-existing conditions | Excluded | — |
| Driving without a licence | Excluded | — |
| Extreme sports | Excluded | — |
| COVID-19 | Included | — |
Partner medical network
- Royal Phnom Penh Hospital — Phnom Penh
- Sunrise Japan Hospital — Phnom Penh
- Sen Sok International University Hospital — Phnom Penh
- Naga Clinic — Phnom Penh
- Khema International Polyclinic — Phnom Penh
Sources (2)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.
- Site officiel Dara Insurance Official