kopkei wrote: but looks like you all drive a MB with only porobo insurance of 323 baht? again strange priorities here...

I didn't look at this thread before as the title 'MB insurance' could mean anything (i.e. name of insurance company)...
Anyway, as I have recently renewed my policies... here's my 2 Baht's worth.
One of my bikes is unregistered and as such can only be covered by CTPL (compulsory third party liability) policy, this cost me 645 Baht and is the lowest class you can get (as you say porobo).
My 750, and my small bikes (100, 110, 125, & 160) are covered by Third party with bail bond + fire & theft (commonly known as class 2 cover) Not cheap, but peace of mind is worth it.
They are all covered by the same company 'Thai Sri' (a partner of Zurich Insurance group, Switzerland).
I went to the head office in Bangkok (Sukhumvit) as I happened to be there recently, but there is an office here in Udon:
If you don't have any joy there, PM me & I'll dig out the Head office number.