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

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scubascuba3    732

In this example it seems the travel insurance didn't cover bikes over 125cc, thats pretty standard. I'm reading between the lines with details given

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PoorSucker    4,466
1 hour ago, scubascuba3 said:

In this example it seems the travel insurance didn't cover bikes over 125cc, thats pretty standard. I'm reading between the lines with details given

 

A normal travel insurance only cover mopeds under 50cc.

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Thechook    9,350
6 hours ago, Orton Rd said:

Happens every other week, no valid travel insurance for dangerous activities, and riding a bike on the most dangerous roads in the world, then they expect people to bail them out of their idiotic actions.

Was on australian news and the insurance company said it doesn't insure for mishaps involving motor bikes and tuk tuks etc in asian countries.  Written on policy so anyone who rents or is a passenger on a bike or tuk tuk you arent covered.

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scubascuba3    732
 
A normal travel insurance only cover mopeds under 50cc.

Nah, maybe cheapest of the cheap policies. I check loads and most are 125cc and under

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lvr181    1,831

Happy he is being returned to his home country.

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4MyEgo    1,791
Posted (edited)

 

3 hours ago, thaiguzzi said:

Charming. Nice selfish attitude there. Give yourself a nice pat on the back.

Borrow a working girl's friend's bike, whilst on a holiday, not offer to pay for damage if you fell off. Then worst comes to the worst, leave them with the mess and payments, whilst you do a runner to the airport.

What a fine specimen of a human being you are. Lovely man, you must feel so proud.

Charming, nice selfish attitude, lets clear something up here/

 

She was told from the outset that I had no insurance and if I fell off the bike or had an accident, she would not be covered by me, and as she had no insurance the bike would not be covered, and I would not pay for the cost to repair it.

 

It was made clear 5 times to her, she was under no obligation to accept the terms and condition, naturally all care would be taken as it was, but why on earth would you think me being selfish for renting her bike and not paying for any damages if I fell off it, or had an accident, would she pay for any damages to me, do I need to go on, she had no insurance and she knew if I damaged her bike she was up the creek, so to speak, no one forced her, it was a mutual agreement, simple really.

 

Plan B was always an exit plan is someone disagreed with the verbal terms and conditions had I gone down with the bike or had an accident.

 

She knew what she was doing, "take care my bike", at least I was upfront about it, are the motorbike renters or jet-ski or para-sailor's upfront, sorry Mr Farang, we not have insurance, you pay, give me a break Mr Hero.

 

Do I feel proud, it is what it is, she got 2,100 baht to hire me her bike without insurance and me not having insurance, she even got a full tank of gas upon me returning her bike in the same condition as I took it, and didn't have to spread eagle either. 

Edited by 4MyEgo

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thaiguzzi    1,861
2 hours ago, 4MyEgo said:

 

Charming, nice selfish attitude, lets clear something up here/

 

She was told from the outset that I had no insurance and if I fell off the bike or had an accident, she would not be covered by me, and as she had no insurance the bike would not be covered, and I would not pay for the cost to repair it.

 

It was made clear 5 times to her, she was under no obligation to accept the terms and condition, naturally all care would be taken as it was, but why on earth would you think me being selfish for renting her bike and not paying for any damages if I fell off it, or had an accident, would she pay for any damages to me, do I need to go on, she had no insurance and she knew if I damaged her bike she was up the creek, so to speak, no one forced her, it was a mutual agreement, simple really.

 

Plan B was always an exit plan is someone disagreed with the verbal terms and conditions had I gone down with the bike or had an accident.

 

She knew what she was doing, "take care my bike", at least I was upfront about it, are the motorbike renters or jet-ski or para-sailor's upfront, sorry Mr Farang, we not have insurance, you pay, give me a break Mr Hero.

 

Do I feel proud, it is what it is, she got 2,100 baht to hire me her bike without insurance and me not having insurance, she even got a full tank of gas upon me returning her bike in the same condition as I took it, and didn't have to spread eagle either. 

Hey, ok Mr. Ego.

You can have a week's holiday larging it as the Big White Man, hotel, eating and drinking out, bar fine a girl for the week, rent her scooter. But fall off it, 2k damage in plastics, a broken indicator, brake lever... nah, i aint payin'. Rather do a runner.

My what a lucky girl, she did'nt have to "spread eagle either".

 Carry on Mr. Ego/Superior, do enjoy your holiday.

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4MyEgo    1,791
Posted (edited)
1 hour ago, thaiguzzi said:

Hey, ok Mr. Ego.

You can have a week's holiday larging it as the Big White Man, hotel, eating and drinking out, bar fine a girl for the week, rent her scooter. But fall off it, 2k damage in plastics, a broken indicator, brake lever... nah, i aint payin'. Rather do a runner.

My what a lucky girl, she did'nt have to "spread eagle either".

 Carry on Mr. Ego/Superior, do enjoy your holiday.

Don't understand your beef.

 

I am married to a Thai, I live here, and I have done more for Thai's in the 10 years that I have visited Thailand prior to moving here 20 months ago, than most Thai's would have done for or too their own.

 

Don't judge a book by its over, and I am enjoying this holiday which I call retirement thank you very much.

 

Gee's you get your knickers in a twist easy, Oy 555

Edited by 4MyEgo

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TheLobster    739
2 hours ago, 4MyEgo said:

Gee's you get your knickers in a twist easy, Oy 555

Gee's you got your knickers in a twist on this topic. Calm down, you're posting crap.

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observer90210    1,218

Did this fellow have a valid motorbike licence for the vehicle he was driving?

 

Did he have accident insurance that covers such bikes away from his country?

 

If the answer is yes, sorry for all that happened and just bad luck...

 

If the answer is no,  well still sorry for his accident and for his girlie and bla bla bla.....but he was careless and irresponsable...hope it gives him a lesson of life for the future...lucky that people paid to get him out of trouble...

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Ulic    3,273
14 hours ago, 4MyEgo said:

The BIGGEST problem with people taking out insurance policies is that the majority of them DO NOT READ the policy.

 

I make it a point to go through every policy and when I find out for example that the waiver or excess on a rental vehicle is only $2000 AUS, and the rental vehicle excess is $4,000 AUS, I will search for an insurer who will accept a top up, i.e. $100 extra which allows me top up my cover to $4,000 AUS in the event that I have an accident, therefore the waiver/excess is covered, as the last thing I want when I take out insurance on a rental vehicle is to have to pay out any money from my pocket, and 99.9% of cases motorbike rentals are excluded from the policies.

 

Perhaps governments should make it mandatory that insurance companies ask the question in the questionnaires section, i.e. do you intend to ride a rental motor bike, YES, sorry, we DO NOT cover this, or do you intend on riding a rental motorbike, YES, do you have a valid international motorcycle licence, No, sorry, will not cover you for motorcycles, or yes you will be covered, subject to your licence being current and accepted in that country, simple really, but their making mega bucks because of the loop-holds, stating that you read the disclosure statement which no ones does. 

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..

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sinbin    450

Not really related to this story but just a little info regarding DL's in Thailand.

Many farang/foreigners seem to think you can drive here on an 'International Permit'(licence). Well you can but only for the first 3 months of entry. Thereafter you must obtain a 'Thai Licence'. It is in your insurance document small print.    spin.gif

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impulse    11,980
Posted (edited)
17 hours ago, Thechook said:

Was on australian news and the insurance company said it doesn't insure for mishaps involving motor bikes and tuk tuks etc in asian countries.  Written on policy so anyone who rents or is a passenger on a bike or tuk tuk you arent covered.

 

The exclusion of tuk-tuks is news to me.  I don't doubt it, but still a surprise.  Then there's the different definitions of tuk-tuk in different areas, with some places referring to baht buses and songtheaws (sp?) as tuk-tuks.  I'm not saying I have a clue, but it wouldn't surprise me to see an insurance company deny a claim for a baht bus accident under such an exclusion.

 

Travel insurance.... It's not as simple as a lot of people make it out to be.  Real simple to buy it, but what are you really getting?  It can take a lawyer with a few spare hours on his hands to wade through the fine print and really understand it.

 

Edited by impulse
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CLW    544

Nah, maybe cheapest of the cheap policies. I check loads and most are 125cc and under

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​?

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BANGKOK 20 September 2017 09:00
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