Car Insurance in Indonesia – What You Risk Without It

Driving in Indonesia without car insurance might seem like a way to save money—until something goes wrong. From unpredictable traffic to natural disasters, the risks on the road are real—and without insurance, the costs can be huge. Here’s what you could end up paying if you don’t have proper coverage.

Paying Out of Pocket for Accidents

Accidents happen—whether it’s a small scratch or a major collision. Without insurance, you’ll be fully responsible for repair costs, which can range from millions to hundreds of millions of rupiah, depending on the damage.

Example:

• Small scratch? IDR 1-3 million

• Minor body damage? IDR 5-10 million

• Major repairs? IDR 50+ million

Third-Party Damages Can Cost You Millions

If you cause damage to another person’s car, property, or even injure someone, you’re legally required to pay for their losses. This can get extremely expensive, especially if injuries or lawsuits are involved.

Example:

• Scratching someone’s luxury car? IDR 10-50 million

• Hitting a motorbike? IDR 5-20 million

• Causing serious injury? IDR 100+ million

Without Third-Party Liability Insurance, these costs come straight from your pocket.

Theft—Losing Your Car Overnight

Car theft is a real risk, especially in big cities like Jakarta, Bali, and Surabaya.

• Without TLO (Total Loss Only) Insurance, if your car is stolen, you get nothing—you’ll have to buy a new car yourself.

• With insurance, you’re fully reimbursed if your car is stolen.

Natural Disasters—Acts of God Aren’t Cheap

Indonesia is prone to floods, earthquakes, and landslides—all of which can severely damage your car. Without Acts of God coverage, you’ll have to pay for all repairs or replacements yourself.

Medical Bills After an Accident

If you or your passengers are injured in an accident, medical costs can be overwhelming. Without Personal Accident Coverage, you’ll have to pay everything yourself.

Example:

• Basic hospital care: IDR 5-20 million

• Surgery after a crash: IDR 50-200 million

• Long-term medical care: IDR 500+ million

Adding Personal Accident Coverage ensures you and your passengers are protected.

The Smart Choice: Get car insurance in Indonesia with BPI

No insurance = financial risk. But with the right coverage, you’ll avoid massive bills and get peace of mind on the road.

At Bali Property Insurance (BPI), we offer:

• TLO & Comprehensive coverage to protect your car

• Third-Party Liability to cover damage to others

• Add-ons like Acts of God & Personal Accident for full protection

• Easy claims & expert guidance—we handle everything for you

Want to insure your car?

Contact us today, and we’ll find the best plan for you!