travel insurance from uk for thailand when riding a motorbike.scooter

sydneycraig

Ol'Timer
Sep 30, 2011
53
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hey ll

im having great difficulty finding an insurance policy for my trip to Thailand where I will be rising a 125cc scooter.

I have had people suggest Worldnomads.com but they have said that is I am touring or the scooter is my main mode of transport then I am NOT covered. (by buying a scooter then it is my main mode of transport)

so who do you people use??

im ideally after just medical insurance and a long term policy (1 year + ideally_)

thanks
 

TonyBKK

Ol'Timer
Dec 27, 2007
3,854
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I thought you live in Thailand? If so, why wouldn't you buy proper medical insurance with an accident rider from one of the many private companies selling insurance here? Maybe you don't live here full time? Where do you actually live?
 

sydneycraig

Ol'Timer
Sep 30, 2011
53
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0
I have been if Thailand on and off for the past year but have been in the uk for the past 5 months, so was looking to get insurance from here....but open to suggestions for insurance I can get within Thailand on my return

thanks
 

TonyBKK

Ol'Timer
Dec 27, 2007
3,854
11
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I'm a seppo and know nothing about insurance options in the UK ;)

What kind of insurance did you have for your previous tours of Thailand and Malaysia?

There are TONS of private insurance options here in Thailand, including a GT-Rider policy. Just Google Thailand Insurance and start shopping.

:happy1:
 

sydneycraig

Ol'Timer
Sep 30, 2011
53
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I had insurance from Australia as I was coming from there...now in the uk tho so prefer to get from here
 

brian_bkk

Ol'Timer
Mar 30, 2010
2,139
278
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sydneycraig;295032 wrote: hey ll

im having great difficulty finding an insurance policy for my trip to Thailand where I will be rising a 125cc scooter.

I have had people suggest Worldnomads.com but they have said that is I am touring or the scooter is my main mode of transport then I am NOT covered. (by buying a scooter then it is my main mode of transport)

so who do you people use??

im ideally after just medical insurance and a long term policy (1 year + ideally_)

thanks
That is quote common actually.. If you are not up front and they find out.. They wont cover you.
Did you check with the GTR insurance guy listed on the forum?

Cheers
Brian
 

sydneycraig

Ol'Timer
Sep 30, 2011
53
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yeah I had a look, was 15k-30k p/a, so seems more than others, but so far others in uk cant cover
either because of the motorbike
or because you have to be in the uk for 6 of the past 12 months to be considered a resident
or they wont be able to extend beyond 365 days from outside the uk...
 

brian_bkk

Ol'Timer
Mar 30, 2010
2,139
278
83
sydneycraig;295075 wrote: yeah I had a look, was 15k-30k p/a, so seems more than others, but so far others in uk cant cover
either because of the motorbike
or because you have to be in the uk for 6 of the past 12 months to be considered a resident
or they wont be able to extend beyond 365 days from outside the uk...
Home is Australia.. You need Aussie insurance that will get you repatriated to Australia including air ambulance etc.
Not to dwell on the negatives.. but important to remember.

Worse case.. you don't want to be repatriated to the UK and you don't want to be stuck in Thailand until the policy runs out.

Suggest you contact a broker back home and get them to find what you need.

Cheers
Brian
 

daewoo

Ol'Timer
Dec 6, 2005
821
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brian_bkk;295077 wrote: Home is Australia.. You need Aussie insurance that will get you repatriated to Australia including air ambulance etc.
Not to dwell on the negatives.. but important to remember.
Most travel insurance policies from Australia, require you to be in Australia when you purchase it (so that you can't buy it when you are already in the sh!t)...

I (from Australia) have used SureSave www.suresave.net.au/‎ they are cheap, and I don't know what they are like if you need to make a claim.

I would email them, and ask them if they will allow you to purchase a policy when you are not in Australia.

Also QBE www.qbe.com.au/travel‎ more expensive, but you might be able to find a discount code by doing an Internet search. The first bullet point of their eligibility is that it isn't available to travelers outside Australia.
 

monsterman

Ol'Timer
Oct 17, 2006
1,830
37
48
Most travel policies in UK exempt motorcycle cover unless u pay a huge fee,

better to get local medical insurance .
 

TonyBKK

Ol'Timer
Dec 27, 2007
3,854
11
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monsterman;295084 wrote: Most travel policies in UK exempt motorcycle cover unless u pay a huge fee,

better to get local medical insurance .
The Thai policies I've looked at (BUPA, AIA and AXA, Cigna and Allianz) all have fine print that says coverage is reduced by 50% for claims due to motorcycle accidents... So, to make up for a potential shortfall I bought an additional accident insurance policy from SCB which is quite cheap.
 

sydneycraig

Ol'Timer
Sep 30, 2011
53
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0
home is uk, so would want to be repatriated to there...

looked at local medical cover, but will also be wanting to spend several months in surrounding countries, so would be no good as they would only for Thailand?

have found a few from the uk that cover motorbike accidents....all 365 or less, so looks like im going back to the uk next xmas too!
 

MajorTom

New Member
Jan 1, 2009
3
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TonyBKK;295097 wrote: The Thai policies I've looked at (BUPA, AIA and AXA, Cigna and Allianz) all have fine print that says coverage is reduced by 50% for claims due to motorcycle accidents... So, to make up for a potential shortfall I bought an additional accident insurance policy from SCB which is quite cheap.
I just bought a Bupa policy. The 50% reduction only applies to the life insurance payout IIRC.
 

andyh1406

Member
May 4, 2013
9
0
0
Hi,
I have holiday insurance included with my Lloyds bank account. This covers me to ride a motorcycle whilst on my holidays providing i have the necessary uk licence to ride that particular capacity bike. Also it does not provide cover for events/racing but does cover you if are using the motorcycle as a form of transport to get from point to point - ie touring.
I actually phoned them to confirm i would have full cover as in April I will be touring Laos for 10 days (on an enduro).
 

blackb15

Ol'Timer
Oct 11, 2009
283
73
28
I am from the uk ,and a lot of the insurance will cover you for any size bikes if you hold a licence for that cc and wear a helmet, if you get stuck any of the adventure/traveller policy's should cover you.
Safe riding
Paul