One bloke I know had a plastic piece like a seatbelt buckle he'd plug in to stop the alarm sounding.He'd rather do that than wear the belt. Seatbelts and helmets aren't needed because Thais are the best drivers/riders in the world.
Yes need to read the fine print for sure.I took extra coverage for motorcycle one trip when I first came back after covid lockout,then realised it only covered rental bikes.I own my bike here so no good to me.Luckily it was only 45 dollars for the short coverage I wanted.