Bike Rental Insurance in Phuket
Rental insurance in Thailand isn't the same as in Europe. The base (which we include) covers only your hospitalization. Bike damage you pay for unless you upgrade. Insurance+ caps your damage risk at a fixed deductible. Below — what each cover and who needs which.
Base Insurance — What's Included
Our base costs 0 ฿ — included in every contract. Covers: hospitalization after an accident up to 30,000 ฿ per person (rider + passenger). It's not "European universal coverage", but in Thailand 30,000 ฿ buys a couple of days in a private clinic for a fracture.
What it does NOT cover: bike repair after a crash (you pay), theft, single-vehicle damage, third-party damage.
Base only kicks in with a police report. If you go off-road alone and don't report, the insurer denies the clinic bill.
Insurance+ — When It's Worth It
Insurance+ is an optional upgrade. Caps your maximum bike-damage liability at a fixed deductible. Standard deductible: 3,000 ฿ for most models. Premium maxi-scooters (Xmax, Forza, ADV 350): 6,000 ฿.
Meaning: if you damage the bike, your maximum out-of-pocket is 3,000 ฿ (or 6,000), even if repair costs 50,000. Without Insurance+, you pay actual repair cost.
Who should take it: beginners, first day in Thailand, if you're riding in rain, if you're planning long trips or switchbacks (Buddha, Promthep).
Tariff and Terms
Free on all bikes. Hospitalization up to 30,000 ฿. Only valid with a police accident report.
500 ฿ for up to 10 days, 1,000 ฿ up to 20 days, 1,500 ฿ up to 30 days. Bought at signing — not later.
3,000 ฿ standard. 6,000 ฿ for premium maxi (Xmax, Forza, ADV 350). That's your max out-of-pocket on damage.
Police (191) → us on WhatsApp → both reports → settlement. With Insurance+ your share is capped; without, you pay actual repair.
What's Not Covered
Not covered: riding without a helmet, drunk, without an IDP, on a bike you're not authorized to ride (we list authorized riders in the contract).
Also not covered: water-damaged engine from riding through 20+ cm puddles, consequences of speeding in restricted zones.
Theft isn't covered by Insurance+ directly — but if a stolen bike has a police report, we usually return your deposit if it's clear you parked it sensibly.
Which Bikes Have Insurance+
Insurance+ is available for all scooters and most motorcycles. For premium maxi (Xmax, Forza, ADV 350) it's mandatory and built into the rental terms (6,000 ฿ deductible). For cars — separate, pricier coverage, discussed case by case. For economy scooters (Scoopy, Fino) you can skip it if you're only riding flat city streets.
Want to Discuss Insurance?
Message us on WhatsApp — we'll tell you what insurance fits your case. If you're riding for a day, you may not need it. If for a month — almost always worth it.