Owning a motorbike in Indonesia is part of everyday life, but it also means dealing with documents and payments that can be confusing — especially for expats. Every year, riders pay motorbike tax (PKB) together with SWDKLLJ, and many believe this already makes them “insured.” The reality is very different: SWDKLLJ is not motorbike insurance.

Many expats in Indonesia think they don’t need insurance — relying on cheap repairs, or the idea that ‘nothing will happen.’ At Be Protected Indonesia, we debunk these myths and explain why proper motorbike insurance is the smartest way to protect your safety and investment.