Scooter Rental Insurance in Phuket — What Is Covered and What Is Not
Thailand's compulsory Por Ror Bor vehicle cover concerns limited accident-victim compensation. It is not insurance for the rented bike itself: damage to or theft of the bike and property damage are not covered by Por Ror Bor. Keep separate personal travel insurance for your own circumstances, ask for the current vehicle certificate and check the written policy terms before riding. Official RVP information.
What is covered and what is not — the table
| Situation | Covered by | Comment |
|---|---|---|
| Bodily injury in a road accident | Por Ror Bor | limited statutory compensation; the amount depends on the circumstances |
| Your treatment above statutory limits | personal travel insurance | only if motorcycle riding is explicitly included |
| Scratches, drops or theft of the bike | check the vehicle policy and rental agreement | terms must be confirmed in writing |
| Damage to other property | not covered by Por Ror Bor | separate liability cover would be required |
| Riding without the required licence | check your personal policy | unlicensed riding may invalidate personal cover |
Por Ror Bor: what to check on the vehicle certificate
Por Ror Bor is compulsory vehicle cover for registered vehicles. Confirm the current certificate for the particular bike and keep separate personal travel cover for your own circumstances. Official RVP information.
Your own health: a policy with motorbike cover
Before booking, check whether your travel policy covers motorcycle riding in Thailand, the engine capacity you intend to rent, and the licence and helmet conditions. Terms and exclusions vary between policies:
- Look for an "active leisure" / "riding a motorcycle or moped" option — the name varies, but it must be spelled out.
- Check your insurer's requirements for the correct licence category and an IDP — we break down the documents in the licence and fines guide.
- Wear a helmet for rider and passenger. Check the actual policy's helmet condition; our two helmets per bike are free.
Scratches and drops: record the bike before handover
Damage to the rented bike, theft and property damage are separate questions governed by the rental agreement and applicable policies. Read the written terms, record the condition together at handover and keep the return evidence.
- At handover we film the bike together. Record visible marks, controls and mileage, and keep your own copy of the video.
- The cash-deposit option is 2,500–5,000 ฿, fixed in writing; a passport option can also be agreed before booking. With the cash deposit, your original passport stays with you. Keep the agreed return and damage terms with the handover record.
- At return we compare the condition with the video. Any proposed damage deduction and deposit return follow the written rental terms; ask for the assessment and final record.
The pre-ride insurance checklist
Five checks before riding
- Confirm the current Por Ror Bor certificate for the particular bike.
- You have a travel policy with motorbike cover — check the wording.
- The required licence category and IDP — check the law and your policy wording.
- Handover video — filmed together with the rental shop.
- Helmet on your head, not under the seat — both are included.
Read next:
Insurance and deposit on a scooter rental — what is covered and what is not
Keep these two records together:
- A dated handover video records visible existing marks before the rental begins
- The written agreement and applicable vehicle policy explain how possible damage charges are assessed
Check the cover before choosing your bike
A helmet, handover video and a cash-deposit or passport option. Send the model, dates and area — we will confirm the price and delivery terms before booking.
See the catalogue and prices Message on Telegram WhatsApp Call usBang Tao · Patong · Laguna · Kata. Free delivery. Confirm the additional conditions and timing in Telegram @apartel1.