Motorcycle rental with insurance

We want you to enjoy peace during your stay in Thailand. We know how important insurance protection is so that you can fully enjoy the ride. We have prepared a unique insurance offer that you will not find in other rental companies.

What is the best way to insure when renting a motorcycle?

To be fully insured when renting a motorcycle, you need to take care of three things:

Ensure your personal travel insurance covers your motorbike Rental

We strongly advise you to obtain the best available policy in your own country, please ensure your policy covers for motorcycle adventure touring on large capacity motorcycles If you looking for travel insurance thats covers bunch of activities you can check following:

TrueTraveler – for UK and EU residents
WorldNomad – for USA, Canada, UK, EU, AUS, NZ, and other countries
Credit Card – In some countries, such as UK, insurance may be attached to your credit card, check the coverage of such insurance
Bank – You can check if yours bank offers insurance that covers motorbike rental.
Local insurance agent

Check if motorbike have Compulsory Third-Party Liability Insurance (CTPL)

All vehicles in Thailand needs compulsory third-party liability insurance (CTPL) known as Por Ror Bor among locals. Most scooter and motorcycle rental companies use a marketing ploy and say the vehicles are insured by offering cheap required by law insurance that have to be renewed every year due taxation of the vehicle.

There is a penalty of up to 10,000 THB if you ride a motorcycle that doesn’t have CTPL.

It’s cheap but only comes with medical coverage. Since compulsory third-party liability insurance only comes with medical coverage, a majority of motorcycle riders in Thailand decide to buy private insurance as extra protection, because coverage numbers are extremely low and there is NO property insurance at all.

The coverage limit depends on whether or not you are the cause of the accident. If an accident happens because of you, it comes with a 30,000 baht coverage limit. If not, then the coverage limit increases to 80,000 baht for medical expenses and 500,000 baht for death and dismemberment.

How to check if vehicle is taxed and insured by compulsory third-party liability insurance?

Each insured and taxed vehicle has a pink sticker with blue border in a visible place that is checked by the police during the inspection. Check if there is the current sticker on the motorcycle, if you do not see it, ask where it is attached. Remember that in Thailand there is a different calendar, so the expiry date will be determined by the Thai year. Respectively:
2022 -> 2565, 2023 -> 2566, 2024 -> 2566, and so on.

Check the registration number on the sticker that it complies with the vehicle plate, make and model. Some companies try to cheat and put into use vehicles without the right to move on the road.

Check if rental company provide 3rd party property and Motorbike insurance

Unfortunately, the additional type of insurance is not common and standardized when renting motorcycles and scooters. Only larger, reputable rental companies provide additional insurance. This is because the contracts have to be negotiated directly between the rental company and the insurance company. Unfortunately, this means that most small businesses are unable to offer an extended insurance solution for their clients.

Where the company is able to provide extended coverage, please check:

limit of liability and cover of the rented scooter / motorcycle
limit of liability and coverage for damage to 3rd party property
limits of liability and coverage in the event of bodily injury to 3rd parties
liability limits and coverage in the case of personal / passenger injury
bail bond coverage

Compare the scope of insurance

	Our special offer		Other companies
	Fully comprehensive	3rd party extended	Compulsory Third-Party Liability
Third Party Cover
Bodily injuries, dismemberment or death / person	500,000 THB	500,000 THB	~30,000 THB
Bodily injuries, dismemberment or death / accident	1,000,000 THB	1,000,000 THB	~80,000 THB
Third Party Property Coverage	200,000 THB	200,000 THB	N/A
Personal Cover
Bail Bond	200,000 THB	200,000 THB	N/A
Motorbike Cover
Collision with another vehicle	deductible 3000THB + up to max liability	N/A	N/A
Collision without third-party	deductible 6000THB + up to max liability	N/A	N/A
Theft / Fire / Natural disaster	deductible 9000THB + maximum liability	N/A	N/A

* maximum liability – you ca check the excess amount on the agreement, or on the page of the bike.

Exclusions

Below are standard exclusions which every motorcycle insurance company can reject your claims for: not having a driver’s license, drunk driving, unauthorized driver, using your car as a taxi or moving vehicle, leaving the scene of an accident, and wars. The exclusion may be different between each insurer. Be sure to read fine print carefully.

Driver’s License: Insurers do not cover drivers if the driver does not have a driver’s license.
Drunk Driving: According to Thai law, a person who has blood alcohol concentration, or BAC, of more than 50mg is considered drunk. It does not only result in the denial of insurance claims, but there’s also a chance of getting fined and imprisoned.
Unauthorized Rider: This is different based on the insurance package. Some packages might cover every rider as long as he/she has a license and isn’t drunk, while some only cover a specific person who can ride the motorcycle.
Incorrect Purpose: Some insurance companies might not cover you if you use a motorcycle in an unsafe manner. This includes carrying more passengers than the vehicle should carry or using a personal motorcycle to transport goods or move.
Leaving the Scene of an Accident: If you cause the accident and leave the scene, the insurance company does not cover costs. This is considered a crime in Thailand and will result in court.
War: Motorcycle insurance companies might reject claims caused by war and protest, no matter if you are living in a risk area or not. If the damaged is caused by these events, you are not under coverage.

maximum liability

The amount up to which you are responsible for the damage. If the damage exceeds this amount, it will be covered by insurance.

Deductible

Deductible, on the other hand, is a fixed amount you agree to the insurer whenever you would like to make a claim. It cannot be waived, but the total insurance price will be decreased.

Note that excess and deductible is commonly misused in Thailand, even with insurance representatives. They share the same word in Thai. So carefully read the fine print.

Excess

Excess is a fixed amount you agree to pay in order to make a claim. It is quite expensive for a big bike and might start at 20,000 baht per time.

Excess can be waived if a motorcycle is damaged by something that isn’t a vehicle, such as hitting a wall, poles, trees, animals, and stones. If damaged by another vehicle, the excess can still be waived if you didn’t cause the accident.

The insured needs to pay an excess when the damage or scratch occurs without a clear cause or any third party isn’t involved, such as a nail piercing a tire while riding, a windshield suddenly braking without reason, parts damaged by animals, and so on.

However, each insurance company has a different policy to waive an excess. And even some insurance representatives can give you the wrong answer. Read the fine print in detail and recheck everything whenever you are unsure whether the excess can be waived or not.