I used worldnomads insurance, they covered everything and didn't even ask a single question about my license and I clearly told them that I crashed on a scooter that I rented. I only have EU drivers license for cars. But, yes, from what I understand after reading the terms&conditions, they could refuse to pay.
My post is actually not trolling, but I understand why you guys might think it is. Usually people have quite the opposite experience when they crash on a rented scooter. But seriously, is it always so bad that you cant believe what I said? I too was really expecting to pay more, and to have a lot more problems with the rental company after everything that I have read. What actually happened shocked me. I would give you the name of the company I rented from, but then obviously everyone would think it's just an ad. I did do some research about a good scooter rental business around Lamai that wouldn't take my passport, I found this one, I used them and I was positively shocked after my crash. I really read a lot about this before renting the scooter and after what happened I was expecting everyone - the rental company, the people I crashed into - to milk out as much money as possible from me, the clueless tourist, but quite the opposite happened. But I know that in most cases, in most companies, with most people, this would look totally different. I was just lucky, or everyone else on the internet is lying
Yeah, I was stupid.. I later rode a scooter in Koh Chang too, but this time I practiced for a few hours on some side roads supervised by my gf and learned from her tips, then after practicing I rode on some busy roads with her and I was okay. In Samui I lacked basic understading on how to ride a motorcycle, had literally zero experience before riding on a busy road and nobody to teach me. Very stupid.
The guilt and sympathy probably played some role in what happened too since I didn't lie to the rental guy at all. I told him that I never rode a motorbike/scooter in my life etc. He explained some things to me, but not much, and in the end said it's just like riding a bicycle and if I can ride a bicycle, then I can ride a scooter too for sure.