Thousands raised for Troy Markides to return to Australia after horror accident on Kho Phangan

[4MyEgo]

6 hours ago, Ulic said:

While I agree with you the insurance lobby will not let it happen. They are more than happy to accept

the money and if nothing happens the vacationing couple are blissfully unaware that they were never

actually covered anyway. The list of exclusions is endless. From existing conditions (high blood pressure

for instance negates coverage from heart attack and stroke) to scooter licencing. All are coverage loopholes.

I for one would welcome Thai travel insurance that was inclusive. IE. You are covered for all accidents

while in Thailand. Not health care coverage but emergency/ accident coverage. eg. Stroke, heart attack,

car/scooter accidents etc..

Somehow I can't see that happening, to big to police

[impulse]

2 hours ago, CLW said:

While I know it's a fact that you describe, it doesn't make much sense to me.
The insurance company allows you also to drive any car, without restriction of power or top speed.
What they expect from that?

 

2 wheeled vehicles are 20-40X more hazardous per mile driven than 4 wheeled vehicles.  (US & Aus studies)  So any street legal car they rent you that meets minimal safety standards is going to be a much better risk for injury insurance than any scooter.

 

[CLW]

 
2 wheeled vehicles are 20-40X more hazardous per mile driven than 4 wheeled vehicles.  (US & Aus studies)  So any street legal car they rent you that meets minimal safety standards is going to be a much better risk for injury insurance than any scooter.
 

I understand.
But why the cc restrictions? Is a small Motorcycle considered less dangerous? I guess the bigger ones are more safe because of better brakes, ABS, etc...

[gk10002000]

On 7/16/2017 at 11:10 PM, impulse said:

 

Maybe the travel policy excludes all scooter related incidents, maybe he didn't have a scooter license back home, meaning he wasn't legal to pilot one in LOS- negating coverage.

 

Those of us from the nanny states would assume that the company we rent a vehicle from would provide injury insurance with the rental, and not rent to us if we don't have a license.  In fact, how is it that the scooter's compulsory insurance didn't kick in?

 

Some times, we all learn lessons the hard way.  Just because it hasn't happened to us, doesn't mean we're any smarter than this guy.  Just luckier.

 

Yep.  Got to read the fine print.  Online companies will sell you travel insurance.  Most charge extra for sports or hazardous things.  Of course many companies are less than reliable and often not based in your home country so your recourse to get payment or sue could be little to none.  I know most USA companies can disallow a claim if you were determined to be at fault, and certainly will refuse the claim if driving without a proper bike license etc.

[VocalNeal]

4 hours ago, CLW said:

The insurance company allows you also to drive any car, without restriction of power or top speed.
 

 

Have you tried owning a Small eco car and then changing to a Ferarri without informing your insurance company. The policy may say can drive any car but they don't mean any car you own.

[CLW]

Have you tried owning a Small eco car and then changing to a Ferarri without informing your insurance company. The policy may say can drive any car but they don't mean any car you own.

Talking about health or travel insurance

[scubascuba3]

I understand.
But why the cc restrictions? Is a small Motorcycle considered less dangerous? I guess the bigger ones are more safe because of better brakes, ABS, etc...

The phrase "speed kills" is definitely correct. Ive ridden a big bike for many years and its so easy to speed, you have to try hard not to. So there is some logic why most cover is under 125cc, its a well kept secret and its not in the insurance companies interest to make sure people understand whats covered