There are numerous additional coverage to include in your motorbike insurance, but which one should you consider?
As a motorbike rider, your risk of getting into an accident is high. Therefore, it is important to make sure that you are adequately protected if anything bad happens to you and your passenger while you’re riding your motorbike. This is especially important in Thailand, where traffic laws are not strictly enforced and motorbike accidents are common.
While motorbike insurance protects you against many risks, it does not cover you for everything. In order to adequately protect yourself, you can purchase additional coverages to your motorbike insurance. You may want coverage for any risk of injury your motorbike might experience as a result of an accident, fire, flood, or other unexpected events.
Here are some of the most common types of motorbike insurance additional coverage you can consider:
Personal accident cover provides financial compensation to you or your family in case of permanent disability/death caused by an accident. Here’s how it works:
In the case of temporary disability If the accident results in a temporary disability within 180 days, you will receive compensation from the insurance company.
In case of death If you, unfortunately, pass away due to a motorbike accident within 6 months of the event, your beneficiaries will receive a lump sum payment.
In case of total permanent disability If the accident causes complete, permanent disability, you will receive a lump sum payment that you can use at your discretion.
Additional coverage protects you from the financial consequences of being in a motorbike accident.
In this case, you will get assistance from your insurance company if the accident results in a lawsuit. The insurance company will use your insurance funds to bail you out. The insurance funds will also be used as collateral to get you out.
Get insured now and protect yourself from any risks that may occur while riding your precious motorbike.
Besides the additional coverages mentioned above, you may want to consider the following additional coverages as well.
Additional coverage is a great way to supplement your motorbike insurance. Most insurance companies don’t allow you to modify your motorbike insurance policy according to your individual needs. However, additional coverage allows you to customise and tailor your motorbike insurance to match your unique requirements. In addition, purchasing additional coverage to add into your Type 2 or Type 3 motorbike insurance is usually cheaper than purchasing a comprehensive coverage.
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