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  #11 (permalink)  
Old 11th May 2019, 06:20 AM
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For a motorcycle/scooter there is no required liability insurance like for a car. If it were me I would not worry about buying insurance as the damage you could cause on it should be minimal to non-existent.
What like killing a small child you run over.
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Old 11th May 2019, 07:33 AM
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What like killing a small child you run over.
And you think insurance will cover that.

I only drive on the street with cars and other vehicles. If a person is in the street it is not my fault.

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Old 11th May 2019, 10:11 AM
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tpg? I bought mine new for cash at a Honda dealer...was supposed to have tax title free,after 2 yrs I ended up paying the title fee etc to get it. Same as others from that dealership.
We will not be going there then Lefties that's for sure but and but it's possible that given what you say it could happen with any dealer,,,,,, time will tell I'm sure.

Cheers, Steve.

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Old 11th May 2019, 10:19 AM
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Glad to see that you finally made the move over Steve!!!
Thanks Tim, was a long time coming and even more planning to get here,,,,,,,, now the fun begins me thinks not, but as I have now officially retired I'll have plenty of time to deal with all the foibles that are inherent here,,,,,,, bite my tongue and be patient like all the guys that live here do.

Cheers, Steve.
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Old 11th May 2019, 10:26 AM
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What like killing a small child you run over.
Touche Gary, as an outsider/foreigner here we have to cover our derriere to the nth degree.

Cheers, Steve.
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Old 12th May 2019, 06:04 AM
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And you think insurance will cover that.

I only drive on the street with cars and other vehicles. If a person is in the street it is not my fault.
Yes of course insurance will cover that. Also I can pretty much guarantee that you would be held liable if ran into and killed a small child, even if she had stepped from the sidewalk into your path. You're supposed to drive, ride in such a manner to be able to foresee these types of situations, plus being a foreigner it's a double whammy.
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Old 12th May 2019, 07:32 AM
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Yes of course insurance will cover that. Also I can pretty much guarantee that you would be held liable if ran into and killed a small child, even if she had stepped from the sidewalk into your path. You're supposed to drive, ride in such a manner to be able to foresee these types of situations, plus being a foreigner it's a double whammy.
I meant "do you think the insurance will cover your jail time".

Everything has risks as does riding a bicycle. Insure if you want but I choose not to for a scooter.

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Old 12th May 2019, 12:16 PM
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I meant "do you think the insurance will cover your jail time".

Everything has risks as does riding a bicycle. Insure if you want but I choose not to for a scooter.
That's an interesting question because if the insurance company covers the death of an individual then with the blood money you could possibly get out of jail. I do know one Philippine man that we used to drink with and he hit an elderly lady and he was drunk and the citizens came out and beat the living tar out of him nearly killed him and he was stuck in jail for a couple of months until he paid the blood money and all he did was sell his trike and that money was enough to release him.

The big negative is that the foreigner will probably have to come up with much more money so they have nothing to lose with you in the slammer and it will end up becoming a negotiation for your release even though it may have not been your fault.

I'm done with motorcycles/cars I never thought I'd say that but I do use my bike to and from the local markets and public transportation, air-conditioned bus, trike or jeep for my groceries or to and from the bank it's working so far I don't stress as much and the cost is minimal and I let someone else deal with the parking, cost of purchasing a vehicle, registration, and maintenance.
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Old 13th May 2019, 01:36 AM
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I'm done with motorcycles/cars I never thought I'd say that but I do use my bike to and from the local markets and public transportation, air-conditioned bus, trike or jeep for my groceries or to and from the bank it's working so far I don't stress as much and the cost is minimal and I let someone else deal with the parking, cost of purchasing a vehicle, registration, and maintenance.
Same here. It would take an awful lot of grab taxi rides to match the costs of a vehicle purchase, maintenance, fuel, insurance, registration, etc. Add in the non-stress factor and the fact that Iím never responsible for anything other then the fare is a no-brainer for me. Iíll let someone else take all the risks. Iíll just chill in the A/C and enjoy the ride.
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  #20 (permalink)  
Old 13th May 2019, 02:20 AM
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Same here. It would take an awful lot of grab taxi rides to match the costs of a vehicle purchase, maintenance, fuel, insurance, registration, etc. Add in the non-stress factor and the fact that I’m never responsible for anything other then the fare is a no-brainer for me. I’ll let someone else take all the risks. I’ll just chill in the A/C and enjoy the ride.
Agree Tim with you and Mark and when we lived in Manila owning a set of wheels was a no no as there was countless modes of transport including A/C buses to our province up north.

Unfortunately where we live now there are no such luxuries, the nearest Jeepney or Tricycle is 700 metres walk and few and far between on the Bacnotan/Luna road or 4 kilometres to Bacnotan proper. While we don't have the luxury of readily available transport we do live in an extremely quiet area and as typing watching the waves roll in. For us wheels are needed and obviously all the costs that go with such freedoms, including insurance. A scooter for the market and wheels to explore,,,,,,,,,, BTW I will let Ben do most of the driving as he is local and can argue the point if ever an incident.

Different needs for all.

Cheers, Steve.
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Last edited by bigpearl; 13th May 2019 at 02:24 AM.
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