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In Phuket, bikes are insured at the box office? Or just cars?
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Probably not. Even if you decompose to the fullest from the bike, most likely you will only rest in plastic, and the pledge will easily cover it. With wheelbarrows, you understand, there will not be enough collateral (if there is a pledge, I never took a wheelbarrow)
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Medical insurance for bikes most often.... I won't tell you what it is in detail, because I don't ride a bike.