Motorbike Insurance in Bali – 5 Myths Expats Should Stop Believing
- Dewi Putri
- Mar 16
- 3 min read
Updated: Mar 17
In Indonesia, motorbikes are the kings of the road. Whether you live in Canggu, Sanur, or Ubud, it’s the easiest way to get around. But while most people wouldn’t think twice about insuring their bike back home, many foreigners don’t even consider it here.
Why? Usually because of myths, hearsay, or misunderstandings.
At BPI, we hear these doubts every day — so let’s clear them up. Here are 5 common motorbike insurance myths in Indonesia, debunked once and for all.
Myth 1: “It’s not possible to have motorbike insurance in Bali if you’re a foreigner.”
This is one of the most common things we hear:
“My friend told me you can’t get insurance unless you're Indonesian.”
The truth: You absolutely can. As a foreigner (with or without a KITAS), you can have a motorbike insurance in Bali — new or used — under your name (or your local partner) or your PT, we do it every day at BPI. What matters most is that the bike is legally registered and has a valid STNK.
Myth 2: “It’s just a motorbike — I don’t need insurance.”
You might think your scooter isn’t worth insuring. But think about it — back home, wouldn’t you insure it? Why take more risk in Indonesia, where roads can be unpredictable, and theft or accidents are common?
The truth: Even for basic scooters, insurance is cheap and extremely useful. Full coverage with Third party liability starts from just IDR 1,000,000/year. It’s a small price to protect your bike — and your budget.
Myth 3: “I’ve never had a problem — I don’t need it.”
That’s great — but insurance isn’t for what’s already happened. It’s for what could happen tomorrow. A rainy road, a careless driver, a moment of distraction — things change fast.
The truth: Accidents don’t wait for insurance. And theft can happen even in the safest areas. It’s better to be prepared than regret it later.
Myth 4: “Insurance companies never pay anyway.”
This one usually comes from a story someone heard from a friend of a friend. But in most of those cases, documents weren’t in order or the claim wasn’t filed correctly.
The truth: At BPI, we help you from start to finish. We make sure your documents are correct, the process is smooth, and if something happens — we handle the claim with you. That’s why our claim success rate is over 90%.
Myth 5: “I don’t need Third-Party Liability — I’ll deal with it if something happens.”
This is a dangerous mindset. If you have an accident and someone else is badly injured, hospital bills can reach tens or even hundreds of millions of rupiah. And as a foreigner, you will be expected to pay — regardless of whether you're at fault or not.
The truth: In Indonesia, Third-Party Liability is the most important coverage you can have. It protects you financially if you injure someone or damage their vehicle or property. Whether you’re riding a scooter or a big bike, you don’t want to face this kind of situation without protection.
Protect Your Bike — Yourself, and Others Too
Motorbike insurance isn’t just about your scooter — it’s about protecting your wallet, your health, and the people around you. With the right coverage, you’re ready for whatever the road brings.