Personal accident coverage is an add-on you can include in your motorbike insurance for a little extra fee. No one wants even to imagine getting into an accident, but it can and does happen. And when it happens, it won’t only cause injury and frustration but also a financial loss. Sometimes, even a small accident can have a big impact on your finances.
As a result, having personal injury insurance will help you protect yourself from unexpected accidents by providing financial assistance when you need it the most. You will be covered for death, permanent loss of vision or hand, and permanent injury caused by your motorcycle if you have personal accident coverage. Your passengers will be compensated as well.
To further cover yourself, you can add more add-ons to your motorcycle insurance. Here are 2 of the most common add-ons on the market right now.
Most motorbike insurance will only cover you, However, with Motorbike Passenger Cover, your passengers will be protected the same way you are. Having this additional add on gives your passenger protection while getting around with your motorbike.
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.
Choosing the right add-ons to your motorbike insurance can be overwhelming – you want the best protection for you, your passenger, and your motorbike. Here at the Thaiger we can give you exceptional service and help you find the best insurance for your needs. We’ll do the hard work for you, explore all insurance options available in Thailand, and make price comparisons just for you.
Personal accident coverage typically covers medical and other associated costs after a motorbike accident for you and your passenger. It will cover expenses such as:
If you get injured during the accident, no matter how small or big your injury is, you will be compensated for the doctor’s bills.
If you need to stay in the hospital to get treatment, personal accident coverage will help you pay for it.
Getting injured after an accident may prevent you from working and earning money. However, if you add personal accident coverage to your motorbike insurance, you may be covered for your lost wage.
If you have a kid, you may need childcare expenses after an accident, especially if you can’t take care of them following the accident. With personal accident coverage, childcare expenses, such as hiring a nanny, will be covered.
If you or your passenger, unfortunately, passes away in the accident, the coverage will help pay for the funeral expenses.
* Please note that the coverage can be different depending on your specific insurer.*
Exclusions will vary from one insurer to another, below are some of the most common exclusions:
– Death or injury caused by accident after the rider consumes alcohol or drugs.
– Injury and death due to violation of the law.
– Death or injury caused by your deliberate act.