The Real Cost of Skipping It - Motorbike Insurance in Indonesia

You think you're saving money. Until you're not.

Motorbikes are the heartbeat of everyday life in Bali, Lombok, and across Indonesia. Cheap to run, easy to park, and perfect for dodging traffic — they’re the go-to for expats and locals alike.

But while most people wouldn’t dare drive uninsured in their home country, here in Indonesia, many ride completely unprotected.

And the consequences? Much more expensive than you think.

One Accident = One Big Bill

Even a minor crash can cause serious injuries to you or others. If you're at fault and someone else is hurt, you’re legally responsible — and expected to cover their hospital costs. No discussion. Motorbike insurance in Indonesia is important!

Example Costs:

• Emergency care for a broken leg: IDR 10–30 million

• Surgery or long-term treatment: IDR 50–150 million

• Permanent injury = lifelong responsibility

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.

With Third-Party Liability, these costs are covered — no stress, no risk to your savings, and no legal panic.

Theft Happens — A Lot

Bali and Jakarta may feel safe, but scooter theft is still common, especially in tourist areas and public parking zones.

Example:

• Lost scooter worth IDR 30–40 million = total loss

• Without TLO insurance, you get nothing back.

TLO (Total Loss Only) coverage is extremely affordable, starting from just IDR 400,000/year — and it protects your entire bike value in case of theft or total damage.

No Coverage = No Support

If you get into an accident and don’t have insurance, you’re on your own:

• No legal support

• No one helping with documents

• No claims assistance

• And yes — you’ll likely pay out of pocket, even if you weren’t 100% at fault

With BPI, we don’t just sell you a policy — we guide you, explain your coverage, and help you manage the claim if anything happens.

You’re Not Just Risking Your Bike

Many riders assume insurance is just about replacing their scooter — but that’s not the real risk.

The real danger? Hurting someone else.

You could be held responsible for:

• Injuring another rider

• Hitting a pedestrian

• Damaging someone’s car or business

And when that happens, the question won’t be, “Do you have insurance?”It’ll be: “How are you going to pay?”

The Smart Choice: motorbike insurance in Indonesia - Affordable Protection That Covers What Matters

Basic insurance starts from just IDR 200,000/year.

Complete protection — with Third-Party Liability — starts from around IDR 700,000 to 1,500,000/year depending on the bike.

For the price of one nice dinner, you can protect:

• Your bike

• Your finances

• And most importantly, other people

Yes — Even If the Bike Isn’t Yours, You Can Still Get Covered

One of the most common myths we hear is:

“I’m just renting a scooter — I can’t get insurance, right?”

Wrong. As a foreigner, you absolutely can get insurance, even if you’re riding a motorbike that’s not registered in your name — whether it’s rented, borrowed, or owned by your partner.

What matters is that:

• The motorbike has valid STNK (registration)

• You provide the correct details (plate number, year, type, etc.)

• You have a valid international or Indonesian license

At BPI, we’ve helped hundreds of expats insure motorbikes they don’t own — so they’re protected from theft, third-party damage, and legal trouble.

Riding someone else’s bike? Still your responsibilty. So let’s make sure you’re covered.

Insure Your Ride the Right Way — With BPI

At BPI, we understand the risks of riding in Indonesia. We offer:

• TLO motorbike insurance

• Third-Party Liability that covers real-life scenarios

• Fast, easy support in English

• And a team who follows your claim from start to finish

Contact us today 

To protect your ride — and everything that comes with it.

We’ll find the best plan for you!