12 minutes ago, georgegeorgia said:

Some of these insurance policies do not cover you for certain motorbike engines ,

He must of been driving a big motorbike

He obviously was going berserk , overtaking etc

He was riding a 125 Honda.

21 hours ago, CallumWK said:

How many people actually read the policy of their travel insurance?

Smart people, not that many then.

Poor kid. A young life snuffed out. Rather sad affair when one thinks of all the life he still had in him.

21 hours ago, CallumWK said:

How many people actually read the policy of their travel insurance?

An insurance policy is a contract. I do not enter into contracts without reading them. Do you, or do you just hand over your money and say, well that's sorted?

4 hours ago, IvorBiggun2 said:

How does a motorcycle hire dealer cover his loses when the m/cycle isn't properly insured and a complete right off?

The rental businesses will file a complaint with the police if a there is no immediate settlement of a total loss, which usually means that the renter cannot leave the country, unless doing a runner. In most cases, the rental business gets more than enough to cover the loss of the motorbike.

The average 125CC rental in my region is 250 baht/day. If they are renting a minimum 200 days a year, that's 50,000 baht revenue. The cost of a basic scooter new that is used for rentals us 40,000-65,000 depending on engine size. The most popular model is a Honda Click @ 50-60,000 baht. The rental businesses often offer used scooters or scooters that are as old as 5 years. I think that after year 1 of a rental, the rental businesses are making a tidy profit and have enough to cover the rare total loss cost that might not be paid.

3 hours ago, Lucky Bones said:

4 hours ago, SAFETY FIRST said:

I'd say you wouldn't drive on most Australian city roads due to the unsafe Africans driving them.

4 hours ago, SAFETY FIRST said:

I didn't kmow Africans are unsafe.

Albo is changing Australia, lots of people uneducated, 3rd world countries driving on our roads. Heavy vehicles are now driven by Indians who have bought their heavy vehicle licence, untrained and unskilled.

Careful of the fat Aussie women.

Stay in Thailand, their roads are much safer.

10 minutes ago, SAFETY FIRST said:

Albo is changing Australia, lots of people uneducated, 3rd world countries driving on our roads. Heavy vehicles are now driven by Indians who have bought their heavy vehicle licence, untrained and unskilled.

Careful of the fat Aussie women.

Stay in Thailand, their roads are much safer.

Cheers.

So, Aust is becoming the new Thailand?.....

......and....... stop taking photos of my teerak.🙃🙃

2 hours ago, Ralf001 said:

He was riding a 125 Honda.

I just read the insurance policy

As he took the insurance out from Australia he was required to have a Australian motorbike licence or international motorcycle licence.

He should of been wearing a helmet, and no alcohol or drugs in the system

I have no idea why they refused his insurance

2 minutes ago, Lucky Bones said:

Cheers.

So, Aust is becoming the new Thailand?.....

......and....... stop taking photos of my teerak.🙃🙃

Unfortunately yes

Lane filtering is now allowed which means motorbike can go in between cars at traffic lights

If your a Sikh no longer required to wear a helmet

Australia is now a third world country that's full of crime

You never ever see police patrolling the streets

2 minutes ago, georgegeorgia said:

Unfortunately yes

Lane filtering is now allowed which means motorbike can go in between cars at traffic lights

If your a Sikh no longer required to wear a helmet

Australia is now a third world country that's full of crime

You never ever see police patrolling the streets

Huh? I split lanes from age 16 in 1974 until I left Oz in 2013.

"Filtering" must be a yuppie expression.

Where does a a Sikh place his NRNRH sticker if no helmet.

Download "Stone", 1974 for some Aus bike action.🙃🙃

7 minutes ago, Lucky Bones said:

Huh? I split lanes from age 16 in 1974 until I left Oz in 2013.

"Filtering" must be a yuppie expression.

Where does a a Sikh place his NRNRH sticker if no helmet.

Download "Stone", 1974 for some Aus bike action.🙃🙃

Back to the topic Bobby

18 minutes ago, georgegeorgia said:

Australia is now a third world country that's full of crime

You never ever see police patrolling the streets

NAILED IT again Georgie Boy 👍

2 hours ago, Patong2021 said:

The rental businesses will file a complaint with the police if a there is no immediate settlement of a total loss, which usually means that the renter cannot leave the country, unless doing a runner.

But like most mtorcycle accidents the rider ends up dead so the dealer is out of pocket automatically???

23 hours ago, wil iam not said:

But The Duggan family said Tiger is "very clever and very smart".

Don't you think you've said enough?

12 minutes ago, Lucky Bones said:

"Filtering" must be a yuppie expression.

Yuppy expression 🤔

Get with times.

47 minutes ago, Lucky Bones said:

47 minutes ago, Lucky Bones said:

Filtering" must be a yuppie expression.

motorcycle lane filtering is legal for fully licensed riders only, allowing them to pass between slow-moving or stationary traffic at speeds of or less. It must be done safely, is forbidden in school zones during hours, and is illegal for learner (L) or provisional (P) plate holders.

1 hour ago, Lucky Bones said:

stop taking photos of my teerak.🙃🙃

She's a beauty, do you guys do anything kinky?

I hope you take safety precautions, i hate to see you suffocate

It still amazes me why tourists need motor bikes. When I arrived in Pattaya I used to pick out a hotel around the area I knew and booked it for a few nights. Then I'd have a good look around then move to a hotel within walking distance or a 10 baht ride on a baht bus from the bars that I used to drink in. In all these years I've never had a problem. I own a condo close to Naklua Road the ambulances roar past every hour over a 24 hour period. I would presume carrying at least 95% of motor bike crash victims.

3 hours ago, Ralf001 said:

He was riding a 125 Honda.

Sorry Ralf, but I don't think it was a 125 that Tiger was ridding, unless Honda 125s now have multi exhaust pipes. I'm not sure what the bike make/size is, maybe you, or someone, can identify it from the photo below, taken at the crash site. It looks to me to be in the 'big bike' category.

If he was on a 'bog standard' travel insurance policy, I would bet a bottom dollar that one of the restrictions in the policy states that the policy holder will only be covered for riding, as rider/passenger, on a motor bike of 125cc or less. If he wanted to ride anything larger, he should have informed the insurance company prior to travel and paid the extra premium.

Obviously there are a number of reasons as to why the insurance company might refuse the medical claim, but I would bet 10 - 2 - 1 the size of the bike was the main reason for their refusal.

RIP Young man

Young people take more risks... Its a simple fact and the consequences such as this are truly tragic.

The young lad had insurance but was unaware he was not covered while riding a motorcycle. I imagine many people travelling overseas are unaware of these clauses included in the omissions of cover. Many insurance policies also have an alcohol clause.

Such information needs to be more clearly stated - Key bullet points on the front.

• You are not covered for riding motorcycles

• You are not covered for incidents while intoxicated

etc...

--- --- --- ---

When travelling to Thailand on a gap-year I had to repeatedly remind my sister to ensure her daughter was fully covered - I advised never to go on or ride a motorcycle etc and quoted incidents similar to this.

- I then saw an instagram page full of my niece riding pillion without a helmet on motorcyles, going on organised trips (in Chiang Mai and Bali), sitting in the flat-bed of a pickup etc...

If something had happened, she would have been subject to the same criticisms I read on this and other pages after similar incidents.

Its tragic and a real shame - but there has to be better way to 'drive' this information home to people who otherwise think the risks do not apply to them.

RIP young man.

20 minutes ago, 007 RED said:

Obviously there are a number of reasons as to why the insurance company might refuse the medical claim, but I would bet 10 - 2 - 1 the size of the bike was the main reason for their refusal.

I think its been mentioned already... but I would bet / guess that the reasons for the cover being voided.

• Riding a Motorcycle without a licence

• Riding a Motorcycle without a helmet

• Riding a Motorcycle while intoxicated

• Policy itself completely excludes coverage while riding Motorcycles

Those are all guesses - but IMO - quite a possibility / probability with a young foreign lad holidaying in Thailand.

21 minutes ago, 007 RED said:

Sorry Ralf, but I don't think it was a 125 that Tiger was ridding, unless Honda 125s now have multi exhaust pipes. I'm not sure what the bike make/size is, maybe you, or someone, can identify it from the photo below, taken at the crash site. It looks to me to be in the 'big bike' category.

Meh, I only posted what I had read from other articles.

4 hours ago, SAFETY FIRST said:

Yuppy expression 🤔

Get with times.

motorcycle lane filtering is legal for fully licensed riders only, allowing them to pass between slow-moving or stationary traffic at speeds of or less. It must be done safely, is forbidden in school zones during hours, and is illegal for learner (L) or provisional (P) plate holders.

Just as I suspected.

Lane filtering now has ladyboy rules.

Unlike the 70's when we split lanes however we liked.

Anyhow, as someone correctly suggested, I have strayed off topic.

Time for a G & T.🙃🙃

4 hours ago, NONG CHOK said:

It still amazes me why tourists need motor bikes. When I arrived in Pattaya I used to pick out a hotel around the area I knew and booked it for a few nights. Then I'd have a good look around then move to a hotel within walking distance or a 10 baht ride on a baht bus from the bars that I used to drink in. In all these years I've never had a problem. I own a condo close to Naklua Road the ambulances roar past every hour over a 24 hour period. I would presume carrying at least 95% of motor bike crash victims.

Yes very good point

I have no idea why either

They pay 200 baht a day plus fuel , I pay look ess than that for a Grab or baht bus

On 2/21/2026 at 4:07 PM, save the frogs said:

He worked in a gold mine. That must pay well.

I think that depends whether you are working in a profit centred part of the operation or a cost centred part. Location also plays a role.

All young visitors to Thailand should do their homework in advance.

• Thailand has one of them highest motor vehicle accident rates in the world

• Motorcycles form the largest part of those accidents

• Most insurance policies have a clause excluding paying for motorcycle accidents

Young westerners think they are immortal. They are not. Parents of those who died uninsured in Thailand should consider having the remains cremated here and send the urn back. Stop asking others to pay for you.

45 minutes ago, Purdey said:

2. Most insurance policies have a clause excluding paying for motorcycle accidents

Indeed your right

, I had no idea and just cancelled my policy ( as a pillion passenger on Grab I need insurance)

Another policy I'm looking at has extra premium money for the motorbike and even to be a pillion passenger you must have a helmet on....and have no alcohol in your system

7 hours ago, IvorBiggun2 said:

But like most mtorcycle accidents the rider ends up dead so the dealer is out of pocket automatically???

A visit to the available data indicates that physical injury, is much more likely than death with the tourist scooter rentals. The deaths occur with people who are most likely to have entered into long term leases with security pledges. Even a quick look at the AN news for 2025 indicates relatively few tourist deaths on rented scooters. Serious injury, expensive hospital stays and all that, but few deaths. In respect to the scooters that have to be written off, I offered a financial explanation why the rental sector can take it. If they weren't making money, they wouldn't be doing it.

Brother in law is a Lloyds underwriter and I asked him about a similar case some time back. His answer was that some, but not most, policies exclude motorcycle insurance. Some exclude on engine size, over 250cc, not a factor here. However, by far the largest reason to deny a claim is a clause that is common to all policies that accept motorcycle insurance, and that is that the rider must hold a recognised motorcycle driving qualification in their home country, a CBT (Compulsory Basic Training) certificate from the UK for example.

It's the accidents that result in deaths that make the headlines but there are far more claims for lesser accidents and injuries that that are unpaid. He knew of one insurance brokers popular with backpackers that in 2020 received 112 claims and paid out on only 1 single claim due to this clause.

I get that relatives are often coy about this "small" or "hidden" clause and yes, there is maybe a case for making it more prominent. However, that wouldn't change anything. People would still ride bikes they were not qualified to ride.

3 hours ago, Lucky Bones said:

Just as I suspected.

Lane filtering now has ladyboy rules.

What were you expecting from a country run by weirdo, Wokes and Lefties

On 2/21/2026 at 1:30 AM, wil iam not said:

Wearing a helmet? Correct licence? Any intoxicants in his blood?

Whatever man. What did you do in your younger days ? Surely not riding completely sober with a helmet every time.

11 hours ago, georgegeorgia said:

Yes very good point

I have no idea why either

They pay 200 baht a day plus fuel , I pay look ess than that for a Grab or baht bus

200 baht in a Honda click will go approx 220km.

You aint doin the same in a grab.

20 hours ago, georgegeorgia said:

Some of these insurance policies do not cover you for certain motorbike engines ,

He must of been driving a big motorbike

He obviously was going berserk , overtaking etc

must OF???? In real English it is must HAVE!