Vinnie was riding a rented motorcycle when he struck debris on the road. Road conditions vary widely across Indonesia, and potholes, rubbish and fallen loads from vehicles are common. Vinnie attended a nearby medical centre for treatment, where his wounds were sterilised and stitched. There was a risk that the wounds would become infected, so Vinnie had to make several costly return visits to the medical centre. As Vinnie held the correct driver’s licence for the motorbike he rented, was wearing the appropriate safety gear and followed all road rules at the time of the accident, his travel insurance helped cover the cost of his medical treatments.