Scooter Rental Insurance in Phuket — What Is Covered and What Is Not
Every APARTEL scooter carries the compulsory Thai Por Ror Bor insurance — it is already included in the rental price from 250 ฿ per day, nothing to pay on top. But you need to know its limits: Por Ror Bor covers injury to third parties, while your own medical bills, damage to the bike and other people's property are not covered. We hand out bikes every day and have seen enough accidents to say it plainly: sort the insurance question out in five minutes before you ride, not after a crash. Here it is, shelf by shelf.
What is covered and what is not — the table
| Situation | Covered by | Comment |
|---|---|---|
| Injury to third parties | Por Ror Bor (included in the rental) | compulsory for every bike under Thai law |
| Your own medical treatment | your travel policy | only if motorbike riding is explicitly included |
| Scratches and dropping the bike | nothing | the renter is responsible; your protection is the handover video |
| Other people's property (car, fence) | nothing basic | settled on the spot, often via the police |
| Any accident without an A licence + IDP | nothing | no policy pays out without a valid licence |
Por Ror Bor: what it is and why ours is already in place
Por Ror Bor is Thailand's compulsory vehicle insurance — the local equivalent of third-party liability cover. Every bike on the road must have it. All APARTEL bikes do, and it is part of the price — along with two helmets, a rain poncho and a phone holder.
Your own health: a policy with motorbike cover
The most expensive tourist mistake is assuming a standard travel policy covers coming off a scooter. Most cheap policies exclude motorbike riding by default. Check the wording of your policy before the trip:
- Look for an "active leisure" / "riding a motorcycle or moped" option — the name varies, but it must be spelled out.
- The policy only works with a category A licence and an IDP — we break this down in the licence and fines guide.
- A helmet is mandatory — under the law and under most policies. Our two helmets per bike are free.
Scratches and drops: how not to pay for someone else's damage
Damage to the bike itself is covered by neither Por Ror Bor nor your travel policy — the renter is responsible. This is where dishonest shops hide their favourite trick: "finding" an old scratch at return and keeping the deposit. Our protection scheme is simple:
- At handover we film the bike together from every angle — every existing scratch is on record.
- The deposit is cash only — 2,500–5,000 ฿, fixed in writing. We never hold a passport: with your passport in someone else's safe, you cannot argue about a "scratch".
- At return we check the bike against the video. New damage on your watch — we discuss the facts; none — the deposit comes back in full.
In short: the pre-ride checklist
5 points that close the insurance question
- The bike has Por Ror Bor — included at APARTEL.
- You have a travel policy with motorbike cover — check the wording.
- Category A licence + IDP — nothing works without them.
- Handover video — filmed together with the rental shop.
- Helmet on your head, not under the seat — both are included.
Read next:
A bike with Por Ror Bor — in the price
Two helmets, a rain poncho, a handover video and a fair cash deposit. Send the model and dates — we deliver free along the west coast.
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