Travel insurance warning after Welshman's motorbike crash

[webfact]

'He was in a terrible state and very lucky to be alive'

 

By Aled Scourfield
BBC News

The sister of a man who is facing a large medical bill after a motorbike crash in Thailand has urged others to check their travel insurance policies.

 

The Boxing Day crash left 28-year-old Adam Davies with serious injuries, including a fractured skull.

 

Adam, from Dinas Cross, Pembrokeshire, now faces large medical costs which are not covered by his travel insurance.

 

His provider, Lloyd's Bank encouraged customers to check the terms and conditions of their insurance.

 

Adam's family have raised £20,000 to pay for treatment, but have warned others to check their policy's fine print.

 

Full story: https://www.bbc.com/news/uk-wales-64187351

 

-- © Copyright BBC 2023-01-07

 

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[ThailandRyan]

Was he licensed to operate a motorbike in his home country? If not then no insurance will cover his injuries. His Travel insurance also, from the main article, only covered him for 30 days. One wonders why his policy was not longer as most policies cover you for as short as 31 days up to 3 months or even longer. Rental companies also need to ensure folks have a proper license or IDP that shows they can operate a motorbike. I did not see on the article if he was licensed or not.

 

God speed and healing to the young man.

[NanLaew]

15 minutes ago, ThailandRyan said:

Rental companies also need to ensure folks have a proper license or IDP that shows they can operate a motorbike.

Does Thai law state this is a requirement of their 'license' to trade?

 

(rhetorical)

[Captain Monday]

I never bought travel insurance as I thought it was redundant except when Thailand entry policies basically made it required for me "during covid" 

 

Every one of my expat friend has been laid up at some time and some Thais to with motorbike accident  injuries it seems is just a matter of time here.  Last time I paid a hospital visit my friend looked like she had just gone a few rounds with a Muay Thai champ, Godspeed Welshman

 

 

 

 

[smedly]

wasn't the latest subsidy on international arrivals supposed to be some sort of massive collective insurance for exactly this - what happened to that ?

 

it was a great idea, seems it has gone into deep pockets instead

[Salerno]

20 minutes ago, smedly said:

wasn't the latest subsidy on international arrivals supposed to be some sort of massive collective insurance for exactly this

No, it was partly to compensate hospitals, not a get out of jail free card for those without proper insurance or the means to pay for treatment.

[brianthainess]

Fractured skull, came round a bend, lost control, straight into a power pole. IMO No helmet, No M/C license/experience. What Island was he on ?

[anchadian]

Words spoken by his sister, from the video

 

'He wasn't getting the proper care where he was.  He hadn't been showered for a week.  Wasn't getting the proper care, the meds, everything'.

Edited January 7, 2023 by anchadian

[anchadian]

6 minutes ago, brianthainess said:

Fractured skull, came round a bend, lost control, straight into a power pole. IMO No helmet, No M/C license/experience. What Island was he on ?

Read the full story

[brianthainess]

7 minutes ago, anchadian said:

Read the full story

Ok read it before but missed Samui, still doesn't change my comment.

[jacko45k]

18 minutes ago, brianthainess said:

Fractured skull, came round a bend, lost control, straight into a power pole. IMO No helmet, No M/C license/experience. What Island was he on ?

Koh Tao.

[Liverpool Lou]

49 minutes ago, smedly said:

wasn't the latest subsidy on international arrivals supposed to be some sort of massive collective insurance for exactly this - what happened to that ?

 

it was a great idea, seems it has gone into deep pockets instead

How could a proposal that was never implemented have "gone into deep pockets"?

[findlay13]

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.

 

Edited January 7, 2023 by findlay13

[robblok]

9 minutes ago, findlay13 said:

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.

 

If you have your own bike you could have added accident insurance to it. I do so every year.

[Liverpool Lou]

15 minutes ago, findlay13 said:

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.

Could you post this "fine print" that your policy allegedly used or are you just referring to the policy conditions that are printed in normal print?

[damo1967]

41 minutes ago, anchadian said:

Words spoken by his sister, from the video

 

'He wasn't getting the proper care where he was.  He hadn't been showered for a week.  Wasn't getting the proper care, the meds, everything'.

That is not 'uncommon' for those imbecils that do not have proper insurance and can not pay the hospital.  He was lucky he got any treatment.

Edited January 7, 2023 by damo1967

[Don Chance]

Never ride a motorbike. Period. It's been said a million times.

[SuperSilverHaze]

2 hours ago, webfact said:

Adam's family have raised £20,000 to pay for treatment, but have warned others to check their policy's fine print.

So, basically Thai insurance is worthless. There we go. It's funny, the legions of insurance addicts that will pontificate mercilessly about holding policy. Thai insurance is worthless save for SSO.

[Bangkok Barry]

2 hours ago, NanLaew said:

Does Thai law state this is a requirement of their 'license' to trade?

 

(rhetorical)

Whatever the law is is entirely irrelevant in Thailand.

[jacko45k]

1 minute ago, SuperSilverHaze said:

So, basically Thai insurance is worthless. There we go. It's funny, the legions of insurance addicts that will pontificate mercilessly about holding policy. Thai insurance is worthless save for SSO.

Wasn't the insurance from Lloyd's Bank (UK)?

Edited January 7, 2023 by jacko45k

[SuperSilverHaze]

2 minutes ago, Don Chance said:

Never ride a motorbike. Period. It's been said a million times.

Best insurance ever.

 

 

Another Darwin award really.

 

Do you like your life? Fancy not living the rest of it in a wheelchair or perhaps in a bed? Stay off motorcycles.

[itsari]

2 hours ago, NanLaew said:

Does Thai law state this is a requirement of their 'license' to trade?

 

(rhetorical)

Why ask

[SuperSilverHaze]

1 minute ago, jacko45k said:

Wasn't the insurance from Lloyd's Bank?

Yes, to be honest I obviously didn't read the article and just made an assumption he bought a cheap policy when he was signing up for his rent a bike.

 

But these sorts of trip insurance policies are next to worthless as well. Whenever we buy such policies to go to the United States I always hold my nose and hand over the money but know that they're pretty much worthless

[itsari]

I am saddened to read the story concerning the young man's accident on a motorcycle in Thailand.

I am more sure my policy of not renting motorcycles at our Thai guest house is correct.

OK for Thai fly by night businesses, but not if you have assets that could be seized by unfortunate inexperienced hirers and not forgetting the driver ignorance we all see on Thai roads 

[jacko45k]

1 minute ago, SuperSilverHaze said:

Yes, to be honest I obviously didn't read the article and just made an assumption he bought a cheap policy when he was signing up for his rent a bike.

The bike would likely come with the standard CTPL obligatory insurance, which only covers liability .... it is even possible that would be invalid if the guy does not have a  licence. Supplementary rental insurance is sometimes offered at a cost, but very rarely. Where the guy was (Koh Toa) is a bit loose on rules!

[TigerandDog]

8 minutes ago, SuperSilverHaze said:

So, basically Thai insurance is worthless. There we go. It's funny, the legions of insurance addicts that will pontificate mercilessly about holding policy. Thai insurance is worthless save for SSO.

He didn't have Thai insurance; his policy was with Lloyds Bank in the UK. So a totally irrelevant comment by you supersilverhaze

[Neeranam]

10 minutes ago, Don Chance said:

Never ride a motorbike. Period. It's been said a million times.

I agree, I shudder when I hear of friends, especially older ones riding motorcycles here. 

I've seen too many deaths, including close family members, to ride one myself. 

[bbbbooboo]

Hmmm… i suggest driving any form of motorcycle in Thailand is too dangerous and it is just a matter of time before you are killed or injured like this chap. Remember roads in Thailand are lethal.

[gomangosteen]

16 minutes ago, SuperSilverHaze said:

Best insurance ever.

 

 

Another Darwin award really.

 

Do you like your life? Fancy not living the rest of it in a wheelchair or perhaps in a bed? Stay off motorcycles.

First motorbike sold at 54,000km, current one on 82,000km. Never had an accident here.

Two cycling accidents, one put me in hospital briefly in 2013 (hit by a motorbike/sidecar). 

 

Wouldn't change a thing, part of my lifestyle. 

[OneMoreFarang]

Someone ignored the fine-print and things didn't go as he imagined.

What a surprise. Or maybe not?