Insurance for 125cc scooter

[Agusts]

I think this has been discussed before but worth bringing it up again, as I use my scooter more frequently and on occasional a road trip I see a need for some sort of better insurance. As you know the compulsory government one (CTPL) is very limited, here is what I found  it covers:

 

https://www.frank.co.th/en/motorcycle-insurance/compulsory        (assuming it is still accurate....)

 

As I understand it in an accident the farang is always at fault against a Thai, so the CTPL insurance will be of little use (see the chart in the link), and in any case you can always just slip or loose control on your own. Also my scooter is not worth anything, so not really interested in covering that, but you could smash into a new Mercedes and that will be very costly ! So here are my questions:

 

1- Does the general health insurance covers motorbike accidents !? If so is it a lot more expensive than getting a motorbike insurance (is it worth considering) - I am only here about half a year and age early 50s !

 

2- What is a useful, reasonable insurance company or broker that can help with extra scooter insurance (preferably in Phuket, Patong area) !? And about how much would it be... (I read someone pays around 2000b per year). 
 

3- Anyone actually claimed on CTPL or a motorbike voluntary insurance !? Is it just a waste of time/money as you end up paying out of your pocket as (rich) farang..... (any experience)

 

(Forgot to mention another issue and that is even I have CTPL, the other party may not have any, which is not that uncommon, no insurance or tax etc.  - so not sure if CTPL works in that case....)

 

Edited December 21, 2017 by Agusts

[scubascuba3]

If you are here only 6 months a year travel insurance will be best for medical cover, Often £2m+. It will need to be "backpacker" insurance. Mine is £120 for 9 months

 

1st class insurance for the bike is also sensible, mine is 4000 baht a year for a Honda Click. Includes cover for bike, bail bond, some medical and i think circ 1m baht for 3rd party. The important part for me is the cover for 3rd party and bail bond, it will help if you hurt/kill someone in an accident

 

 

[Peterw42]

1 hour ago, Agusts said:

3- Anyone actually claimed on CTPL or a motorbike voluntary insurance !? Is it just a waste of time/money as you end up paying out of your pocket as (rich) farang..... (any experience)

I claimed on the compulsory insurance after a solo bike accident , broken rib and collarbone, grazes etc. Ambulance to Bangkok pattaya private hospital, all the emergency treatment, xrays, wound dressing, splints, orthopaedic specialist, drugs and 6-8 follow up visits, ran up a bill of 30,000 and all covered.

BKK bank atm cards also have an option to take up personal accident insurance.

Edited December 21, 2017 by Peterw42

[Peterw42]

1 hour ago, Agusts said:

(Forgot to mention another issue and that is even I have CTPL, the other party may not have any, which is not that uncommon, no insurance or tax etc.  - so not sure if CTPL works in that case....)

Your Compulsory insurance covers you the rider as well as any 3rd party, as in my post above a solo accident.

[Kwasaki]

17 hours ago, Agusts said:

As you know the compulsory government one (CTPL) is very limited,

You have to have it anyway so it's not a bad cover IMO for the cost.

 

17 hours ago, Agusts said:

As I understand it in an accident the farang is always at fault against a Thai, so the CTPL insurance will be of little use

That is not so.

 

17 hours ago, Agusts said:

Does the general health insurance covers motorbike accidents !? If so is it a lot more expensive than getting a motorbike insurance

My health ins covers health not accidents they seperate covers.

 

17 hours ago, Agusts said:

What is a useful, reasonable insurance company or broker that can help with extra scooter insurance

I took my cover out with APS Honda.

 

17 hours ago, Agusts said:

Anyone actually claimed on CTPL or a motorbike voluntary insurance !? Is it just a waste of time/money as you end up paying out of your pocket as (rich) farang.

I haven't but some have like a post that's posted here above.

 

17 hours ago, Agusts said:

the other party may not have any, which is not that uncommon, no insurance or tax etc.  - so not sure if CTPL works in that case....)

CTPL does work for you if you have it, that's why it's compulsory and cheap. 

[Agusts]

Thanks for all the replies, it seems CTPL works for up to 30k, but for the higher amount you should not be at fault (see the link), hence my concern. And of course I have CTPL, it's compulsory...

 

I will check out the other options suggested...