Advertorial Why Thailand's roads warrant motorbike insurance?

[CharlieH]

 

While on a trip to Thailand, many get the same idea to hop on a motorbike and explore the Kingdom. While it is both convenient and a thrilling experience, a harsh reality lies beneath the freedom.

Thailand has one of the world’s highest road fatality rates, and motorbike riders are the most at risk. For expats, understanding the dangers and protecting yourself with proper insurance is not just smart—it’s essential.

Thailand’s motorbike danger

Thailand tops ASEAN countries in road traffic deaths, with 32.7 fatalities per 100,000 people—far above the regional average. Globally, it ranks 9th in road deaths, with over 20,000 lives lost each year, 74% of which are motorcyclists. That’s around 60 deaths per day.

More than 500 billion baht is lost annually due to traffic-related deaths and injuries. These numbers aren’t just stats—they reflect real people, including many expats and tourists who underestimate the risks of riding in Thailand.

The biggest causes of motorbike accidents in Thailand include:

• Speeding and reckless driving

• Poorly maintained roads, especially in rural areas

• Lack of experience with Thai traffic norms

• Minimal riding training

• Alcohol and drug use

Together, these factors create a high-risk environment for locals and foreigners alike.

What happens when accidents strike?

Motorbike crashes often result in serious injuries. The most common include:

• Bone fractures (simple and complex)

• Head trauma, especially without proper helmets

• Road rash, deep cuts, and internal injuries

• Long-term disabilities requiring extensive recovery

Treatment for these injuries can be extremely costly. Even a basic hospital stay for a fractured bone can exceed 100,000 baht. Surgeries, rehabilitation, and follow-up care can push the total well into the millions of baht. 

Why expats need comprehensive health insurance in Thailand

Unlike Thai nationals, expats aren’t eligible for government-subsidised healthcare. This means you’re fully responsible for any hospital bills, ambulance costs, surgeries, or repatriation. Language barriers can further complicate emergency care and treatment decisions.

SafetyWing Nomad Insurance provides essential coverage for digital nomads who rely on motorbikes. The plan includes:

• Medical expenses: Up to US$250,000 for hospital bills, surgeries, and medication.

• Emergency evacuation: Up to US$100,000 for transport to better-equipped hospitals.

• Personal liability: Covers up to US$25,000 for legal claims and property damage.

• Accidental death & disability: Financial support for severe injuries or fatalities.

To qualify for coverage, riders must:

• Have a valid motorcycle license (including an International Driving Permit if required).

• Wear a helmet and safety gear.

• Avoid reckless behaviour, including riding under the influence.

 

 

Why choose SafetyWing?

Unlike many insurance providers, SafetyWing includes motorbike accident coverage as part of its standard plan. Benefits include:

• Worldwide protection: Coverage in 180+ countries.

• Flexible sign-up: Policies can be purchased anytime, even after starting a trip.

• Automatic renewals: Continuous coverage every 28 days without gaps.

• No hidden restrictions: Covers all engine sizes, provided traffic laws are followed.

 

Without comprehensive health insurance, you’re taking a massive gamble. Protect yourself, your wallet, and your future with SafetyWing Nomad Insurance today because in Thailand, proper coverage isn’t just a precaution—it’s a necessity. Explore SafetyWing’s plans here.

 

 

 

Sponsored - Original article by The Thaiger

 

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