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Improve travel insurance coverage clarity

Users are seeking clearer information regarding travel insurance policies, especially concerning coverage for accidents while riding scooters abroad, as current information is confusing.

Original Source

@u/kopfschmerz2000 | 14 pts | 3/15/2026

Hi, I just realized something and I’m wondering if I’ve misunderstood this. I have a normal German car driver’s license (Class B), which includes AM, and I also have an International Driver’s Permit. For years while traveling I’ve rented scooters in Asia and other places, like most tourists do. Now I noticed that AM only allows scooters up to **50cc / 45 km/h**, but almost all rental scooters abroad seem to be **110–160cc**. From what I’ve read, that would technically mean I wasn’t properly licensed for those scooters. Apparently in that case **travel health insurance or liability insurance might refuse to pay** if there is an accident - so if something happens, this could cost me thousands of dollars. If that’s true it seems crazy, because millions of (european) tourists rent scooters everywhere. Does that really mean many people are effectively riding **without insurance coverage**? Has anyone here actually experienced this after an accident or knows how insurers handle it in practice? Thanks!

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