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Insurance forum

When travel insurance doesn't pan out

Posted by somtam2000 on 26/1/2017 at 23:02 admin

Terrible story about an Australian woman who had a scooter accident on Ko Lanta and was badly injured. She did have travel insurance, but she didn't have a motorbike license, which meant that her policy did not cover her for the accident.

At this stage, she's amassed over A$50,000 in medical bills and is now running a GoFundMe program to help raise funds from friends and family to get her back to Australia (and, one assumes, onto medical insurance coverage or Medicare back there).

We bang on and on about the need to wear a helmet, as if you have an accident and the insurer find out you were not wearing one, your insurance may be void, but this is often the case also when it comes to having a license. Not surprisingly, many insurers will baulk at covering an unlicensed driver/rider.

So, if you are planning on doing some scootering in Southeast Asia, before you leave, get a licence in your home country and an international riding permit on top of it. This should help to see that you don't end up in a situation like the above.

And always wear a helmet.

#1 somtam2000 has been a member since 21/1/2004. Location: Indonesia. Posts: 8,099

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