madmitch

Good question. Richard_Smith has quoted a few insurers regarding the alcohol issue and they will vary. NB note the simplistic language used in the first clause he mentioned. This is what we can expect to see on these policies; minimal legal jargon. Anyway, each insurer will have its own wording and it is up to the purchaser to read this. Cannabis is an interesting one. I've not yet seen cannabis specifically mentioned in insurance policies but it should be considered as a drug whether legal or not in either the home country or the country visited. Drinking or riding under the influence is illegal and insurers will decline claims if there's an accident where the insured has been using it. I'd like to see this issue of legality of certain drugs addressed more clearly in policies in order to avoid ambiguity.

Insurance regulation today is tougher than it has ever been, and that's on a worldwide basis.

I assume they will take a break between 2pm and 5pm as no alcohol is available at this time

I stated in a previous post that in the UK at least, insurers are having to make their policies for consumers simple and easy to understand. Certain clauses are difficult to draft without a certain amount of legalese but these are usually the more legal orientated clauses anyway, such as the privacy and arbitration clauses. You should find the coverage quite simple to understand and if it's too complicated, you can make a complaint.......assuming you can understand the Complaints Clause! Other countries, including Australia, are also simplifying their policies. The major exception is the USA, where I'm sure they keep their policies deliberately complicated in order to keep the lawyers in work!

Distributing government cash among large sections of the population will not help much, as each person will get only a small sum, he said. By narrowing the focus to cover only fragile groups, each will get enough funds to bear their cost of living, he explained. Very sensible comment. 10,000 baht is a small fortune to some, small change to others. I also wonder how those without access to smartphones will access their digital wallets.

You're right, however with travel insurance, the laws and jurisdiction of the home country would apply, however many countries do have similar rules. A policy should of course be drafted accordingly.

I don't think so. The forum's Valentine is an Aussie swimming pool builder, Richard Valentine runs a cigar lounge and is British.

Good to see a post from someone that actually understands the subject (there are a couple more as well) but I chose just to quote one. You are absolutely right about the small print certainly in UK policies, as insurance regulators have decreed that consumer policies, i.e. individuals and small businesses, must be made more simple and easy to understand. Those talking about small print must be living in the past or they're American, where the wordings are still pretty dreadful. It is no longer permissible under the UK Insurance Act 2015 to decline a claim based on a misrepresentation or breach or warranty or condition if the claim had nothing to do with the breach. So the poster who had a heart issue declined as a result of not answering the mental health question should have been paid out under UK law but not necessarily in other jurisdictions. All policies have complaints clauses and insurers take complaints very seriously. If you think you've had a claim wrongly declined then complain and if you get no joy from the insurers take it further. Details will be in the policy. EU law, which is still in force in the UK, insists that an Insurance Product Information Document (IPID) be issued for all consumer and SME products. This sets out in a simple list form the coverages and exclusions. It's not a perfect document as the size is limited but those that don't want to read the policy can get the basics from this document. It was also stated by someone that exclusions should actually be in larger print, rather than the imaginary small print. French law does insist on exclusions being clearer and Insurers lost a high profile case fairly recently based upon this law. It is uniquely French, however. Good claims assessors/adjusters will know pretty soon whether or not they should be looking at the exclusions, terms and conditions but many claims are very straightforward and will be paid out without question. It's commonly believed that the first thing they do is find a reason not to pay a claim. This might be the case with some but not any I've ever worked with. Underwriting ability should be such that the company should still make a profit after paying out all genuine claims and actuaries are employed universally to help calculate the premiums. I could go on but I believe that most insurance companies and Lloyd's Syndicates are rather more scrupulous than most on here perceive. And I wonder how many disparaging posters have had genuine claims, without breaches of terms and conditions, declined? Or how many simply believe the hype!

Ridiculous!

Interesting timing with Parliament currently dissolved and an election due in a month.

I drove past Kata Beach for the first time in a year earlier this week and my initial thoughts were that the sunbed operators seemed to be taking up a lot more space than they're supposed to. Looks like I was right. Anyway, the timing isn't bad for the operators as low season is starting to kick in.

I just wonder whether Pheu Thai may have shot themselves in the foot with this blatantly populist policy, which, as many have stated, is nothing but blatant vote buying, a ridiculous policy as the already rich would also qualify. Fully expecting a complaint from other parties and possible request for party disslolution.

Am I missing something? How do you get a physical paper ticket from an online sale?

Was the opposition but now standing for the incumbents. See first quote.

Say what you think, Mike. Don't hide your opinions!

That's all very well but how about Thailand getting its own house in order? It's not just the neighbours.

I shall be looking forward to steven100's automated "I love Prayut" posts, spidermike's "everyone despises Prayut" posts and various "is it April 1st already" posts? Talking of which,,...............

Last time I looked English is called English, not American, And as Headstart follows a British curriculum with British exams I'd suggest that the correct proper English spellings are taught. Glad to say that after nearly two years in England, my daughter has lost her International school pseudo American accent (from Headstart) and it's been replaced with the more pleasant tones of southwest London.

The Pammookoo Resort's website states "perfect for families, features' waterslide & kid activities". It'll be interesting to read any reviews from families staying there this weekend!

Funny how all the same stories from pre-covid are cropping up again!

What about women?

Isn't Parliament due to be dissloved this month? If so he'll be in the role less time than Kwasi Kwarteng was UK Chancellor. And surely even Anutin couldn't cock up as much as Kwarteng did!

Given the demographic of the pollsters, I'd have expected the opposition of these policies to show a higher percentage than the results indicate.

The man is a genius. He will double tourist numbers and alleviate overcrowding in popular areas!!! However, with an election looming there's a good chance he won't be tourism minister for much longer so let';s hope the next incumbent is just as intelligent????

I'm sure the cctv will find the conclusive reason behind this fall. ????