That's right, must always read the Insurance exceptions chapter, most of Insurance co. if not all of them don't cover motorbike accidents (in case of not having Thai license), but what can we say? most people don't like reading, not to mention understanding.
Until the moment of shocking truth comes and then he will pay huge sums, or without need to pre hotel booking the beautiful Thai HEL-TON is waiting for him. With breakfast definitely.๐
Be aware, in the case of a traffic accident, insurance company will NOT pay anything for you or the other party, because the driving license was not issued from the same country of the traffic accident. You all know insurance companies games.