richard_smith237

Perhaps if the Policy wording I have with my policy were in small print it would only be 60 pages !

Are you implying that the Policy wording has no relevance ? There is a Certificate of Cover - that also applies to the 'specifics' of my cover... I'm not sure what point you are attempting to make now - its as if you are questioning if the insurance cover is valid.

You argue this all the time... And you know exactly what is meant... 'Fine print' is a very common colloquialism used for the detailed terms and conditions and policy wording... but you know that already....

There are two documents issued... - The Policy certificate - The Policy wording (which you have seen). It seems you think the Policy Wording is not valid, its strange the extent you'll go to counter peoples criticism of insurance companies... I've shown you a 117 page policy wording from a Policy I am holding and you still wont accept it.

The being 'intoxicated' clause is one which I really object to... Alcohol misuse; you drinking too much alcohol where it is reasonable in the circumstances to expect that such consumption could result in an impairment to your health, impairment of your faculties and/or seriously affect your judgment or exacerbates another medical condition. We do not expect you to avoid drinking alcohol on your trip but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result. Any time I drink my judgement is 'affected' often seriously !!!... thats kind of the point in drinking sometimes, to wind down.. So... misjudging a step while drunk and breaking a hip ??? that seems pretty serious and judgement was 'seriously' affected... it is such 'wiggle room' that I'm quite uncomfortable with in policies. How exactly do they judge 'seriously affected' ????

Yup.. that does make a lot of sense given your knowledge of insurance. BUT.. as a customer who has also been stung... when digging into detail, I can often see the possible wiggle room. The example I gave about finding out if my health insurance covered me for skiing was just one example... I received numerous vague replies to my repeated e-mails for 'specific clarification' to a very simple question... 'Does this Policy cover my medical costs if I am injured while skiing'... ... the replies were vague and mentioned the Policy does not cover dangerous activities..... The question wasn't answered... Does skiing fall within the underwriters description of 'dangerous activities'... ? We went round in circles for a couple of months until finally I received... 'The Policy covers the cost of medical treatment for injures incurred while on piste skiing or off-piste skiing with a qualified guide'... (or wording to that effect). It was only then that I felt comfortable that my Health Insurance would cover medical costs for injuries if I became injured on the slopes... Since then I've taken out separate insurance that covers skiing comes recommend on skiing forums. I'm not sure if my latest Health Insurance (cygna) covers skiing...

Thats nice and clear... My policy is a little more convoluted... as it also involves 'residence'... I've taken insurance out stating I am resident in Thailand - (as thats where I live). I have Thai Motorcycle License. I don't have a UK Motorcycle License. The Policy refers to home license... [You must also have a valid licence at home for the class of motorised vehicle you may be renting.] Thus, I wonder if the underwriter could argue that the UK is my 'home' as I don't have a resident visa (non-Immigrant) for Thailand and thus I am not actually covered to rent a motorcycle. When getting down to the finer details - its difficult for specifics to be clearly understood or known and there always seems to be 'wiggle room' unless these very detailed details are ironed out. which takes months of back and forth and is anyone really going to go that far ?... I did once and it was a real headache. (its moot as I don't plan on renting a motorcycle overseas)

I tend to agree... these insurance companies businesses do have long detailed policy documents that make for difficult reading... It would be good to see a 'no refusal' policy, where everything is covered, after all, no one gets hurt deliberately. But, with that said, the premiums would be higher, so would the sort of person to ride a motorcycle unlicensed also be the type of person who takes out such comprehensive travel insurance policy ? My recent Policy is about $220 for 11 days (for a family) - a lot of these policies are significantly less and cover a far greater duration of travel.

I'd agree that the article implies that due to a lack of clarity that leads to this assumption... What is written is... “The scooter I hired looked like a scooter and was called a scooter when I hired it but the insurance company classed it as a motorbike due to the engine size. I didn’t even know the engine size when I hired it.” When reading between the lines it would appear that the girl believed her insurance covers riding a 'scooter', but not a motorcycle... but, has the girl assumed she was covered for a scooter because her British driving license has that silhouette on it (with A and AM endorsements) which sometimes leads people to make the assumption the are 'covered for scooters' ??? We'd need the policy to know for sure of course.... But we can be pretty sure that no policy covers a non licensed person on a motorcycle... the ambiguity obviously involves the word 'scooter'... and if the policy even includes the word scooter.

.... a bit old to be in school....

Ah ok... got you... I saw that thread... Your daughter was in a huge departure queue, saw a sign at the e-gates saying Thai's only... (probably an old sign from pre-December that no one bothered to move). A few posters have mentioned the use the e-gate on departure. There obviously needs to me more positive 'used the e-gate' comments from posters who have had success for us to fully trust its workable - IMO, its worth a try to avoid a large queue.

'usually' only cover up to 125cc ??? ( even for the average tourist who only has a car drivers licence ?) I think the travel insurance only cover's licensed users.. i.e. if you have a home license, then you are covered renting a machine of similar rating overseas.

You wont waste half a day... you'll waste about 5mins while they tell you 'no need'.... (and of course the time to get there and get back). Question has already been covered - mark5335's post above...

Erm... a I'm a bit confused by that comment bradiston... WaltherTP started this thread... Honest questions: She [your daughter] was in a very long queue for foreign passport holders, was this upon departure ??? Did she attempt to use the E-Gate ? (assuming this was this year - 2024) or just assumed she couldn't ??? Other non-Thai posters on this forum have reported that they used the e-gates on departure - I think its useful to know some facts about this...

No it couldn't... The DL has a drivers licence number that is registered to you. The 'could be an issue' comment is sort of myth long-time-barstoolers like to peddle... (surprised this one hasn't already done the rounds for a few years).

That was my initial thought, but with over 5 years left to run on it I'm wondering what the possible downsides or penalties might be if it became an issue. The Driving License is still registered to you... with your name, your photo, your DOB, your Driving License Number etc... there is no need to be concerned with whichever ID it is registered to - its still your Driving License. The only time you may need to replace it is when you change address (theoretically) - none of this is seriously enforced or has any impact whatsoever anyway. This issue comes up from time to time when a DL is registered with Yellow House Book etc... and then there may be comments that it cannot be used outside of the province to which is it also registered (Pink ID is not valid outside of province) - but that doesn't matter... the DL is still registered to that person (who carries legal ID to travel in all areas of Thailand).

Ah... right you are... My apologies for my initial comment... I was incorrectly 'triggered' - turns out your comment is correct, and in retrospect, I agree with your sentiments, its fortunate that no innocent parties were hurt or worse. Thanks for the correction

Seem's they're based in Ireland (+353 country dialling code) Attached - the 117 page policy wording. This is a policy I am carrying for an 11 day trip (coming up). 6.1) Travel Insurance Policy Wording.pdf

Don't talk to me like I am 5, it's insulting. Do it again and I will report you. You have added nothing to the thread. I'm not sure if you are deliberately being so funny or not... .. but the 'do it again and I will report you comment'... Is probably the most '5 year old-ish' type of comment you could have responded with....

If you can't understand what the policy covers you for, call the insurer or broker and ask for clarification of the specific point. Hahaha... LL - thats quite ridiculous... Call the insurer to have a discussion to covering every eventuality... I know you always take the side of the 'Insurance' to such a degree I suspect you actually work in insurance such is your extent of 'brainwashing'.... That said.. I have done something similar in the past... (and have discussed this on this forum in the past). With a previous insurer it took months to secure written clarification that the Policy covered me for skiing (injuries while on Piste Skiing)... They remained extremely vague in all of their responses and hid behind the phrase 'dangerous activities'... In the end I did get specific wording, but it took about 3 months... This was before I'd purchased the Policy and was 'shopping'....

Which insurer is it that issues policies that consist of "117 pages"? 117?

But be careful if you do look on lazada 'cos you may feel the urge to start a riveting thread about expensive kettles... Fortunately it wasn't this one... a few people would haven been apoplectic... 10% off though...

According to gov.uk, you need a 1968 International Driving Permit to accompany your UK Driving Licence. The IDP is merely a translation of you home licence, so if that says Motorbike, the IDP should be valid. IDP not required for tourists with a UK license wishing to driver in Thailand - there are reciprocal agreements in place (in much the Same way, an IDP for a Thai License is not required in the UK). You are correct regarding endorsements though (which is a little more technical than 50cc and involves speed capability rather than size - 50cc is the generalised term most of us are using to refer to these lower speed motorcycles as more of a colloquialism than anything else).

Thats a new one for me..... I always thought Medical Health care under the 30 baht scheme covered all Thai's for anything.

OK.. There were threads running that Foreigners have been having trouble using PayPal when registered to their Thai account. IF I'm not mistaken - Paypal no longer works for foreigners here when registered to their Thai account.