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Australian man critical after hit and run in Samui, family told no license invalidates insurance


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Posted
16 minutes ago, Russell17au said:

If you do not have a motorbike licence in Australia the insurance company will not pay out plus you would get heavy fines from the police for riding without a licence. Car licences do not cover motorbikes even in Australia

my confusion comes from not having any exposure to motorcycle licences. I do remember being told with a full UK licence for a car, you are legally entitled to ride a moped in the UK up to and including 49cc as your licence is a full moped licence and L plates do not have to be displayed. You are, as a full licence holder in the UK, also entiltled to ride a motor cycle up to 125cc as a provisional licence holder, whilst displaying L plates, without having to take the CBT. 

Posted
49 minutes ago, Jeremy50 said:

Nearly half a million baht a day, or the amount the average Thai person earns in 3 years. Just how is that possible?

Google "bangkok hospital" 

  • Like 2
Posted
2 minutes ago, midas said:

my confusion comes from not having any exposure to motorcycle licences. I do remember being told with a full UK licence for a car, you are legally entitled to ride a moped in the UK up to and including 49cc as your licence is a full moped licence and L plates do not have to be displayed. You are, as a full licence holder in the UK, also entiltled to ride a motor cycle up to 125cc as a provisional licence holder, whilst displaying L plates, without having to take the CBT. 

Australia the same as Thailand a car licence for a car and a separate motorbike licence for a motorbike

Posted

I live close to Bangkok hospital on samui, second ambulance for today just passed by. 

Sadly I don't take notice anymore :sad:

 

Edit: two more just passed by. 

Posted

Yeah and the standards approved ice cream buckets everyone wears will help too!!  I imported ALL my helmets from the States (DOT approved) at $100 a pop I figured it was cheap insurance...

Posted (edited)
18 minutes ago, midas said:

my confusion comes from not having any exposure to motorcycle licences. I do remember being told with a full UK licence for a car, you are legally entitled to ride a moped in the UK up to and including 49cc as your licence is a full moped licence and L plates do not have to be displayed. You are, as a full licence holder in the UK, also entiltled to ride a motor cycle up to 125cc as a provisional licence holder, whilst displaying L plates, without having to take the CBT. 

125cc still requires a CBT...

 

You still need to do a CBT with a provisional licence or full car licence in the UK to drive/ride a 125cc... once you pass the CBT you still need to display “L” plates for 2 years... unless you decide to upgrade and complete and pass to a full bike licence...

 

A CBT only lasts for 2 years, before renewal is required.

 

as for 50cc you can ride that with L plates and a provisional licence provided you have completed a CBT...

 

http://begin-motorcycling.co.uk/uk-motorcycle-laws/

 

you can also check via the following Direct Gov DVLA website in UK for rules and regulations.

 

https://www.gov.uk/browse/driving/driving-licences

 

 

 

Edited by APJ291
  • Like 1
Posted
1 hour ago, PoorSucker said:

If they find him and if he has insurance. 

It's a bit like my old man used to say " If everyone else puts their hand in the fire would you do the same?"

Posted

Who brought it to light about the license? Can't imagine why it would come up.. Police? Are they onto a kickback if no insurance can be claimed?

Just a question that occurred to me.

I know my wife could get anything she wanted in a report. Only about how much.

Posted
1 hour ago, midas said:

But it doesn't say he was driving without any license? Just that he didn't have a motorcycle license. Do insurance companies refuse to pay out if you have a licence to drive a car in Australia? But then rent a motorbike?

These people never learn.

 

Insurance companies only need the slightest excuse not to pay out. Even riding a motorbike without wearing a helmet or the vehicle is not taxed will render a policy null and void.

  • Like 1
Posted
2 hours ago, transam said:

So did the shop rent out a bike to a bloke with no bike license from any country...?

Mate, you should know that by now. Too many of them do, money speaks.  

Posted

Bangkok Hospital; that would explain the price. I have told my wife, any hospital in Chiang Mai but Bangkok Hospital or Chiang Mai Ram if I have an accident. I am covered up to 18 Million Baht, but at US$ 20,000 a day, even that money would not last long. Time to lift my premiums to a Million Dollars.

 

With the injuries he has had, his life is pretty much near over. Hard to say but as we all know, this is an ever-recurring theme in Thailand. Accident, insurance rejected and pain for the families. Should be printed on our passports in bright red about motorcycles and insurance. No license, no insurance.

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Posted
1 hour ago, PoorSucker said:

Every insurance is void if you don't have proper licence. 

Normal travel insurance does not cover MC driving even if you have licence. 

Only covers if the bike is less than 50cc, check the fine print. 

If you intend to drive a MC in Thailand you actually need an extra insurance for that. 

Only big bikers know this. 

Yes travel Insurance does not cover unless you have a local Licence. But  I am hoping that the 50cc is a typo for 500cc? Are there any bikes under 50cc?

Posted

"He is currently in a coma. He has all his ribs broken, he has punctured lungs, a broken spinal cord in four places, several brain injuries and he has already died twice," 

 

   I first read and thought it's an old story. Then I saw that it was posted 2 hours ago. I've done my part and donated to a guy who'd lost his leg. 

 

  I hope that he'll survive it and will fully recover, but it doesn't look good for him.

 

  It's getting a little too much now, there's not one story where the patient had an insurance. 

 

   

  • Like 2
Posted
29 minutes ago, midas said:

my confusion comes from not having any exposure to motorcycle licences. I do remember being told with a full UK licence for a car, you are legally entitled to ride a moped in the UK up to and including 49cc as your licence is a full moped licence and L plates do not have to be displayed. You are, as a full licence holder in the UK, also entiltled to ride a motor cycle up to 125cc as a provisional licence holder, whilst displaying L plates, without having to take the CBT. 

Yes, UK.

 

In Thailand for a motorbike over 50 cc, as is always the case with rented bikes, a full motorbike license is required. he doesn't have that, therefor he was riding without a license and is there no insurance coverage.

  • Thanks 1
Posted
2 hours ago, petermik said:

Another sad story,it looks like the young fellow is going to need a miracle to survive.....best wishes :thumbsup:

would i want to live with a spine broken in 4 places....i don't think so.

 

 

  • Like 1
  • Confused 1
Posted (edited)
5 minutes ago, TonyPaul said:

Yes travel Insurance does not cover unless you have a local Licence. But  I am hoping that the 50cc is a typo for 500cc? Are there any bikes under 50cc?

No, it's not a typo. There are 49 cc bikes, also called mopeds. The 100, 110, 125 and 150 cc bikes here are basically motorcycles where you need a big bike license for. 

Maybe better to write 50 cc, or less. 

Edited by jenny2017
  • Like 1
Posted
7 minutes ago, cyberfarang said:

These people never learn.

 

Insurance companies only need the slightest excuse not to pay out. Even riding a motorbike without wearing a helmet or the vehicle is not taxed will render a policy null and void.

The latter (not taxed), no, not a reason for a claim to be rejected.

Posted
1 minute ago, jenny2017 said:

Mate, you should know that by now. Too many of them do, money speaks.  

 

Very possible that many of these operators have no or very little real knowledge of insurance, nor international / local licensing.

 

It would be interesting to line up 10 owners / operators / managers of rental shops and check:

 

- Whether they personally hold valid and up to date vehicle insurance policies for vehicles they own and what knowledge they have about exclusions.


- Whether they know what insurances are in place and valid and up to date on the vehicles owned by the rental shop owner, and what knowledge they have about exclusions.

 

- Whether they know what insurances are in place and valid and up to date on vehicles they rent out put are actually owned by other people not involved with ownership of the rental shop, and what knowledge they have about exclusions. 

 

 

 

 

 

  • Like 1
Posted
2 hours ago, ThreeEyedRaven said:

If he was hit by someone else, then their insurance should be paying ----

Bara Bor Insurance (compulsory 3rd party insurance required before annual road taxes can be paid) maxes out at about 290K Baht. Not near enough to pay for this type of injury. Civil court action is the next step!!!! ----- Good luck with that:post-4641-1156694005:

Posted
14 minutes ago, Peterw42 said:

Bangkok hospitial website quotes a daily rate for ICU at 14,000 baht, $600 au. $1000 for a CT scan.

$2,000 a day sounds more realistic than $20,000

 

I had a friends colon polyp burst, and it cost him. 380,000 for three days in ICU. Nothing major like this accident.

  • Like 1
Posted (edited)
8 minutes ago, TonyPaul said:

Yes travel Insurance does not cover unless you have a local Licence. But  I am hoping that the 50cc is a typo for 500cc? Are there any bikes under 50cc?

i doubt a typo... check the fine print.

 

Edited by wombat
Posted
Just now, colinneil said:

Why would you say that?

My spine is broken in 2 places, yes i am happy to be alive, even with my problems.

that would be my choice in a living will for that situation.

 

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