@Larry ******

I use ‘VYKE’. A VOIP service similar to SKYPE. The difference is you can rent mobile numbers and Vyke allows you to receive OTP’s. Are you saying you receive your OTP’s by alternative method?

@Larry ******

You are fortunate. Skype’s website now states that they don’t support identification verification (OTP’s).

@Jack ***************

As already advised, it’s one of two issues; 1) Incompatible frequency bands or 2) Locked to a Thai network.

@Phil *******

Great thinking Phil. If it was it would have been considerably cheaper than the unlocked version.

@Martin *****

I’ve looked into many policies. Personal Accident Insurance is worth having because it’s better than nothing. Premiums are low because the maximum pay out is low too. There are exclusions for risky activities. The main selling point is that, if aged under 65, you will be covered for motorcycle injuries. Annual Healthcare Plans cover both illness and injury too. In my case, I’d be looking at £6,500 GBP per annum with exclusions for pre-existing conditions. Important to realise (I didn’t) that any claim related to a pre-existing condition (even if undiagnosed) would not be paid.

@Cris *****

It’s Personal Accident Insurance.

@Rosie ****

I was talked into applying for this as part of the deal to obtain a retirement visa, 12 months extension and open a Bangkok Bank savings account. I was independently advised that the policy was worth having, especially as it covers motorcycle accidents. I renewed it up until age 65 when motorcycle cover is no longer available. I never made any claim so can’t advise further I’m afraid. Please let us know how you go on!

Don’t be put off claiming. You have all necessary paperwork. I’m seeing Insurance Enquiry; 0 2285 8585 Monday to Friday 08.00 to 17.00. Also; Line @bangkokinsurance Failing that; Should be open from Wednesday 17th April.

@Ken ******

Spot on Ken! I’ve booked direct with airlines and also via agents. Several times connections missed due to late/cancelled flight legs. The airport where you’re at reschedules your flights. How you booked your flights doesn’t come into it.

Halifax and Santander have no problem with abroad addresses. However, Santander will send renewed/replacement cards to Thailand. Halifax won’t.