I have been told that also, that you are covered for 30 000 baht of medical bills. But does it covers you for a rented bike, define rented: a proper company with bikes all taxed and insured to fully comprehensive not many of them about, if so you should be OK . But if you rent one from some guy, not a company or anything, will the bike even be taxed and insured? If it is, will it be covered for anyone else to ride? Our two bikes, mine and the wife's, are insured in our names only. Does it cover anyone else to ride it, i.e., me driving the wife's bike? I would say no, that 600 baht/year, that is for the minimum insurance. It will cover the said medical bill, at a government hospital, but not any repairs to the bike.