Riders-Motorcycle Tours Insurance Thailand

What Does Riders Insurance Cover?

All policies differ, but in general, Riders Insurance provides protection across three main areas. Coverage and limits may vary between insurance providers and specific policies.

Personal Accident Coverage

Personal accident coverage can vary significantly between policies, but most riders insurance policies will include the following protections:

• Medical expenses from accidents (up to 50,000 baht per incident)
• Accidental death and dismemberment benefits (up to 100,000 baht)
• Emergency medical evacuation
• Daily hospital income benefit
• Coverage while riding or traveling on a motorcycle
• Murder and assault benefit
• 24/7 emergency assistance

Third-Party Liability Coverage

Third-party liability protection may differ between providers, but typically includes these key coverages:

• Damage caused to others and their vehicles or property (up to 10 million baht)
• Driver/passenger accident cover
• Bail bond coverage
• Legal expenses and representation
• Coverage for property damage
• Protection for both private and commercial use

Own Damage Coverage

Vehicle damage coverage varies by policy and provider, but standard protection usually includes:

• Vehicle-to-vehicle collision damage
• Basic repairs from accidents involving other vehicles
• Protection for both private motorcycles and rental bikes

What's Usually Not Covered

Understanding what's not covered by your insurance is just as important as knowing what is covered. Our policies maintain clear exclusions to ensure transparent coverage and fair pricing for all riders.

The following situations and circumstances are typically excluded from coverage:

• Illegal activities or racing
• Riding under the influence of alcohol or drugs
• Intentional damage to vehicles
• Pre-existing vehicle damage
• Mechanical breakdowns not related to accidents
• Personal belongings and equipment
  

It's crucial to note that engaging in any of these activities may void your entire policy, not just specific claims. We recommend always operating your motorcycle within legal parameters and maintaining it in good condition to ensure your coverage remains valid.

Why Choose Riders Insurance?

When it comes to protecting yourself and your motorcycle in Thailand, choosing the right insurance partner makes all the difference. Our comprehensive approach to riders insurance sets us apart in several key ways:

1. Flexible Protection: We understand that every rider's needs are different. Whether you're a daily commuter, a tourist exploring Thailand's beautiful landscapes, or a business owner in the motorcycle industry, we offer tailored solutions that fit your specific requirements.
2. Comprehensive Coverage: Our three-tiered protection system ensures you're covered from every angle. By combining personal accident, third-party liability, and own damage coverage, we provide a complete safety net for whatever challenges the road may bring.
3. Business Protection: Tour operators and rental services face unique risks and challenges. Our specialized coverage options are designed to protect your business interests while ensuring your customers remain confident and secure.
4. Emergency Support: Accidents and breakdowns don't wait for convenient times. That's why our 24/7 assistance service is always ready to help, providing peace of mind no matter when or where you need support.
5. Legal Compliance: We stay up-to-date with all Thai regulatory requirements, ensuring your coverage always meets or exceeds legal standards.

How Much Does Riders Insurance Cost?

Individual Riders

We offer flexible pricing options to suit different budgets and needs:

• Annual coverage Starting from 8,000 baht
• Monthly options Starting from 300 baht

The cost of your insurance policy is carefully calculated based on several key factors that help us provide the most appropriate coverage at the best possible price:

• Type of use (personal, tour, or rental)
• Duration of coverage
• Type of motorcycle
• Coverage limits selected
• Riding history and experience

Making Your Riders Insurance More Affordable

At Riders Insurance Thailand, we believe in rewarding safe riding and smart choices. We've developed several ways to help make your insurance more affordable while maintaining comprehensive coverage:

Group Rates

Whether you're organizing a tour group or managing a rental fleet, our group rates offer significant savings. Tour groups can benefit from bulk discounts while maintaining individual coverage protection. For rental businesses, our fleet discounts scale with the size of your operation, helping you protect more bikes while keeping costs manageable.

How to Apply for Rider Insurance

We've streamlined our application process to get you covered quickly and efficiently. Here's what you'll need to prepare:

For Individual Riders

To get started with your Raiders Insurance, please prepare:

1. Motorcycle Details
   • As stated in our quote engine
2. Passport or Thai ID
   • Valid passport for tourists
   • Thai ID cards for residents
   • Valid visa documentation if applicable
3. Coverage Period
   • Preferred start and end dates
4. Contact Information
   • Phone number
   • Email address

For Tour Operators

Tour operators need to submit the following documentation to ensure proper coverage:

1. Business Registration Documents
   • Company registration
   • Tax ID
   • Business licenses
   • Proof of address
2. Fleet Registration Details
   • Vehicle listings
   • Registration papers
   • Insurance history
   • Current condition reports
3. Proposed Tour Routes
   • Route maps
   • Standard itineraries
     
   • Emergency protocols
     

For Rental Businesses

Rental businesses should prepare these essential documents:

1. Business Registration
   • Company documents
   • Operating licenses
   • Tax certificates
2. Fleet Documentation
   • Vehicle inventory
   • Registration papers
   • Service histories
3. Rental Procedures
   • Standard agreements
   • Customer screening process
   • Payment Policies
4. Safety Protocols
   • Customer briefing procedures
   • Emergency response plans
   • Accident reporting process
5. Maintenance Records
   • Service schedules
   • Inspection records
   • Parts replacement history

Processing time is typically 1-2 business days. Our team may contact you if additional information is needed.
Complete documentation helps ensure faster processing and appropriate coverage for your needs.