Motorcycle accident - Travel insurance refused to pay!

[MacW]

I have just returned from a vacation in Thailand, I was only supposed to be there for 3 weeks, had to stay 5 weeks, the last 2 in hospital.

I had a motorcycle accident on Jomtien beach road late at night, entirely not my fault, a drunken tourist walked out in front of me. The police report says as much.

I spent 2 weeks in hospital and ran up a hospital bill of 119,000 Baht, that's about £2400, I figured no problem my travel insurance would cover it.

Oh how wrong I was! They have refused to pay out, as they say I was not wearing a crash helmet at the time (which I was), when I queried this they tell me the police report says I was not!?!

What can I do here? Can I appeal? How do I try and get this resolved? I can't imagine how I would go about having a police report in Thailand changed?

Thanks.

[Rup]

My advice to you is to forget it, swallow the loss of cash and move on.

There is no way you are going to be able to get a police report already lodged in Thailand changed from your home country. I doubt you could even do it if you were in Thailand and spoke to the police officer who wrote the report.

Bad news I know, but no point keeping your hopes up.

This is one of the famous small print items with travel insurance, no crash helmet, it's beyond a joke really and travel insurance providers should stop these kinds of policies.

Anyway, at least you are back home and healing up.

[Ohoh]

The previous poster is correct, it is highly unlikely you can have the insurance company change their decision.

You could try contacting somebody like the FSA link below:

http://www.fsa.gov.uk/

Although it is unlikely they can do much.

Who did you buy your travel insurance from? Maybe you should name and shame them so we can avoid them.