If you ride a scooter or a big bike, you might want or need to bring a friend or family member along as a passenger at some point. Most motorcycle insurance policies, however, do not protect your passenger. With motorbike passenger cover, your passengers have the same right to claim as you and can claim up to the policy limits for damage and injuries.
There are numerous add-ons you can include in your motorbike insurance to get more comprehensive coverage. Below are two more additional add-ons you might want to consider.
Permanent loss of limbs, vision, permanent disability or death caused by your motorbike will be covered with this type of add-on. You can also expect to be covered for wages and replacement services for tasks you can’t do.
A medical expense additional add-on, also known as rider insurance, is a form of add-on that pays for medical expenses incurred as a result of a motorcycle accident, permanent injury, or even in the event of death.
The Thaiger offers a “one-stop-shop” for your insurance needs. We can guide you through the whole process, from choosing the best insurance up to the final processes of purchasing.
We and our partners have also compared all of the available options in the local market and recommend the best solutions for you.
Riding a motorbike is fun and is also the fastest way to get around if you live in Thailand. However, it poses some risks to both you and your passenger. While you might already have insurance to protect yourself, your insurance might not cover your passengers.
You, as the rider, are responsible for the behaviour and safety of your passenger. Even if it’s your passenger’s fault, without a motorbike passenger cover, you may need to pay for their medical expenses out of pocket. An accident can be a stressful situation, and worrying about your passenger’s medical bill can make it worse. With a motorbike passenger cover, you don’t have to worry about the financial consequences as you will be eligible for a claim.
Cars typically don’t have a separate cover level for carrying passengers because their impact on the handling of the car is small. However, this isn’t the case for biking, a motorcyclist will experience the following if they carry a passenger:
– A change to the motorcycle’s centre of gravity
– More difficulty because of added weight.
– Clutch control and impact on the throttle.
– Longer braking distances.
– Chance of injury from passengers.