What insurance companies in Thailand have a good reputation for helping after motorcycle accidents?

Jun 9, 2024
5 months ago
Marcus **********
ORIGINAL POSTER
Having recently had an accident in Thailand on a motorbike where my insurance seems to think it’s ok to make me jump through hoops before they even start to pay out is there any insurance companies that are there to help in your time of need? 
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TLDR : Answer Summary
The conversation discusses the challenges expats face when dealing with insurance companies after experiencing motorcycle accidents in Thailand. Many contributors emphasize the importance of having a valid motorcycle license, as failing to do so can lead to insurance companies denying claims. Several insurance companies are mentioned, with users recommending Southern Cross Travel Insurance and Genki for their efficient handling of claims. Additionally, the community shares personal experiences regarding the responsiveness and support of various insurers during medical emergencies.
Marcus **********
ORIGINAL POSTER
Hi all thanks for the help and advice in this feed. Just a quick update I’ve finally managed to get all my money back for all medical expenses in relation to my accident.
Linny **********
Does your plane ticket offer emergency insurance? The Public hospital doesn’t take insurance anyways so it’s reimbursement
Kev **********
Had a car accident and the Thai insurers attended, got repairs quickly, 500 baht a day while of the road. Excellent service.
Matthew *******
Motor bikes insurance accidents in Thailand and complaints

Well common theme

Funny how the injured parties who get online and whinge never mention not having a motor bike licenses in any country snd leave out the fact they are drunk (in most cases)
Stuart ********
Should have gone back to your hotel tripped down some stairs with a hotel witness
Pete **********
The better question is what insurance do you have? So I buy something else...Anyone have Cigna Global ?
Dave **********
Bangkok Insurance has treated me right for a couple decade's.
John ********
@Dave *********
what's there maximum age for cover?
John ********
@Dave *********
ok, didn't know that.
Myles *******
Depending on what u need/age etc take a look at Genki. Wont work for everyone but does for me! €60 odd a month and can cancel at anytime and covers pretty much the same as the big boys. I have a referral code should you need
NT ********
@Myles ******
I am interested. Can you pm me please
Myles *******
@NT *******
****************************
Francis *******
everyone says it all 😄 expats know it but hey some are always smarter I you do not have license to drive a motorbike in Thailand or from your home country, your insurance company is not at all likely to pay out anything. They will find you in violation of the terms of the contract. It's unfortunate, but the reality of that situation. Happens hundreds, if not thousands, of times annually in thailand and SE Asia.
Sue *********
I had a scooter accident in Thailand in April. Spent 6 days in hospital, which included surgical repair with plates and screws. My insurance company was fantastic. They actually sent payment prior to surgery. Apparently the hospital sent a quote and the funds were transferred next morning. They also spoke to me directly to make sure I was happy with the hospital the paramedics used and the surgeon. If not, they were happy to transfer me somewhere nearby. I was amazed at how on top of things they were. I'm traveling alone and it honestly never felt like it. The company is Genki and I highly recommend them. My bill was 21,000 CAD. Also. I had a root canal about six weeks prior I paid upfront for and submitted the receipt online. While in the hospital they reimbursed me 100%. That was 800.00 CAD. Definitely check them out.
Marcus **********
ORIGINAL POSTER
@Sue ********
thank you and sorry you had to go through this too. 🙏
Peter ********
Sorry to hear. I never have problems with my car insurance.
David *******
Thai insurance usually pay out
Nico ********
Had accident on motorbike few years ago. Insurance from my SCB debit card did cover all cost for hospital and then to clean the wounds everyday for a week.
Darryl **********
I had my appendix out in thailand 🇹🇭

No problems at all with the insurance company $16,000 au. Probably because it was an motorbike accident
Pete **********
@Darryl *********
you had an appendix put back in? Interesting 🤔 ❓️
Darryl **********
Pete **********
@Darryl *********
ohhh ok 👍 gotcha
Brian *********
Think you answered your own question 🙋🏼‍♂️
Leo ******
Insurance companies don't work as hard when in Thailand. They know Thai hospitals make you pay up front and you chase insurance companies.. So insurance company is letting you chase them in hope you eventually give up or die before payment.... In Europe the hospital would chase the insurance company and corporations seem to pay corporations first....
Marcus **********
ORIGINAL POSTER
@Leo *****
yeah you are right there
Nathan ***********
I just signed up with Southern Cross Travel Insurance. Cost $40 extra for riding or being a passenger on a motorcycle.
Marcus **********
ORIGINAL POSTER
@Nathan **********
interesting thank you 🙏
Todd *********
@Nathan **********
IF you or the driver have a license... if not- still a fail.
Nathan ***********
Marcus **********
ORIGINAL POSTER
Nathan Stengewis what company is this pls
Nathan ***********
Todd *********
@Nathan **********
this is exactly what i'm saying. Must ride legally and make sure the driver has valid license. If not.... ur screwed.
Nathan ***********
@Todd ********
Yes too many have nothing about motorbikes (other than as an exclusion) in their insurance then cant believe they aren't covered, they never asked and never checked.
Todd *********
@Nathan **********
sad but true. Well worth spending the time to understand the policy and read the T&C's as you have.
Nathan ***********
@Todd ********
Yes, I just want to be covered if I am catching motorbike taxi. Problem is though, how do we know the Thai rider has the correct license.
Jim ********
@Nathan **********
Motorcycle taxi drivers are licenced as such and must display their ID. If they have this ID they will be correctly licenced. Just make sure the picture on their ID matches their face 😆
Nathan ***********
Nathan ***********
@Todd ********
no not in this policy. Allowed to be a passenger (I’m not going to ride myself)
Todd *********
@Nathan **********
ok - so if you are only a passenger, it's different. However, make sure the driver has a current license. In other words, if you are driving with a buddy, who doesn't have a license, still the same problem. Check the wording VERY carefully. It's there to protect the company, not the policy buyer'
Nathan ***********
@Todd ********
yes there are ts and cs of course. I’m not going to screen shot them all. But if you are wearing a helmet and the local rider has the correct licence I can’t see anything wrong with the policy.
Wayne *********
@Nathan **********
I just renewed my yearly policy with TID they don't charge extra.
Manuel *********
Would be good to know what’s your current insurance
Marcus **********
ORIGINAL POSTER
@Manuel ********
post office
Manuel *********
@Marcus *********
I can recommend roojai there are excellent
Todd *********
If you do not have license to drive a motorbike in Thailand or from your home country, your insurance company is not at all likely to pay out anything. They will find you in violation of the terms of the contract. It's unfortunate, but the reality of that situation. Happens hundreds, if not thousands, of times annually in thailand and SE Asia.
Marcus **********
ORIGINAL POSTER
@Todd ********
I came off the bike in storm rain braked too hard and hit the deck and got dragged down the road by the bike.
Terry *******
@Marcus *********
glad you’re ok
Stuart **********
Marcus **********
ORIGINAL POSTER
160 scooter
Jim ********
@Marcus *********
What size motorcycle? Some insurance policies only cover up to a certain engine size, irrespective of what you are licenced to ride
Marcus **********
ORIGINAL POSTER
@Todd ********
I have a full Motorbike license had an international driving license and was wearing an helmet 
Bob **********
@Marcus *********
How many CC’s matters as well
Todd *********
@Marcus *********
That's a huge factor in your favour. The next step for the insurance company seems to be a determination of who is at fault with the hope of co-pay from any other insurer.
Tim *******
@Todd ********
How long they have been in Thailand could be used against them. IDP are valid for a year, but when you live somewhere over 3 months it's no longer valid in that country.
Olivier *********
@Todd ********
not to mention that if you don't have a Thai DL, on top of the one from your home country, you must have an IDP.
Brad *******
Insurance companies are there to make money and potentially pay as little or nothing as possible. Caring about the customer is not on the agenda
Bart **************
@Brad ******
hence his question.
Marcus **********
ORIGINAL POSTER
@Brad ******
straight up facts there!
Mark *******
@Brad ******
unfortunately true.
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