When Your Insurance Won't Pay
Having insurance doesn't guarantee a payout. Here are the most common situations where claims are rejected.
1. No Valid License
The #1 reason claims are denied. You need a Thai license or IDP with motorcycle category.
2. Riding Under the Influence
Any alcohol or drugs in your system voids your coverage completely.
3. Unauthorized Rider
If someone else rides your insured bike without being named on the policy.
4. Racing or Reckless Driving
Insurance excludes competitive racing, stunts, or intentionally reckless behavior.
5. Expired Policy
Always check your policy dates — especially on rental bikes.
6. Unregistered Vehicle
The motorcycle must have valid registration and พ.ร.บ. insurance.
Travel Insurance Exclusions
Most travel insurance policies exclude motorcycle accidents if:
- You don't have a valid motorcycle license
- The bike is over 125cc (some policies)
- You weren't wearing a helmet
Always read your travel insurance fine print before relying on it.
Protect Yourself
- Get a valid license → License requirements
- Buy proper coverage → 3rd party insurance
- Rent fully insured → Phuket Garage