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Couple riding a motorbike near rice fields in Bali, both wearing helmets and masks

Ride Free.
Feel Protected.

Your motorbike coverage for a worry-free life in Bali.

Reliable protection that lets you focus on the ride, not the risks.

Your freedom deserves protection — wherever the road takes you.

With Total Loss Only (TLO) coverage, your motorbike is protected against theft or major damage over 75% of its value. More importantly, it gives you the confidence of knowing you're covered — including third-party liability.
It’s not just about your bike — it’s about riding stress-free every day.

Yellow scooter illustration – symbol of affordable motorbike insurance for expats in Indonesia

Motorbike Insurance in Indonesia –
From Total Loss to Third-Party Protection. 
With Be Protected Indonesia.

Motorbike insurance covers more than just accidents. From total loss due to collision or theft, to optional add-ons like protection against natural disasters, civil unrest, and third-party liability — we help you stay protected on every ride.

Motorbike riders in city traffic – real-life example of vehicles covered by BPI's TLO and third-party insurance

01

Total Loss Protection: 

Covers accidents where repair costs exceed 75% of the bike’s market value, as well as complete theft, fire, or explosion.

02

Natural Disaster Coverage (Optional): 

Add protection against earthquakes, tsunamis, floods, and windstorms — ideal for high-risk zones in Indonesia.

03

Civil Unrest & Terrorism (Optional):

Covers loss or damage due to riots, strikes, civil commotion (RSCC), terrorism, or sabotage.

04

Personal Accident Coverage (Add-On):

Provides compensation for injury or death for both the driver and passenger.

05

Third-Party Liability (Add-On):

Protects you if your bike causes injury or property damage to others.

Example of Motorbike Insurance Pricing

Real examples of TLO motorbike insurance for expats in Indonesia — including personal accident and third-party liability.

Bali view

Honda
SCOOPY

Value IDR 25 million

Just

IDR 505,000/ year

  • Total Loss Only

  • Riots Strike Civil Commotion

  • Terrorism and Sabotage 

  • Act of God

  • Personal Accident Drive (10mill) 

  • Personal Accident Passenger (10mill)

  • Third Party Liability (15mill) 

Road

Yamaha XMAX 250

Value IDR 73 million 

Just

IDR 1,845,000/ year

  • Total Loss Only

  • Riots Strike Civil Commotion

  • Terrorism and Sabotage 

  • Act of God

  • Personal Accident Drive (10mill) 

  • Personal Accident Passenger (10mill)

  • Third Party Liability (100mill) 

Get Ready to Be Covered

Everything you need to start your motorbike insurance with peace of mind.

To qualify for Total Loss Only (TLO) motorbike insurance:

  • The bike must be registered in Indonesia

  • Must have a valid STNK or STCK (for new bikes)

  • Covers only total loss or theft, not small damages or scratches

  • Can be used for private use, business activities, or rental, as long as it’s correctly declared

From Rentals to Riders — They Chose BPI

Woman Fixing a Motorcycle

Rico, Motorbike Rental Business in Seminyak

We insure every unit in our rental fleet with BPI. They offer high liability coverage and help us stay compliant. It’s fast, reliable, and adapted to our business needs.

Motorbikes at Ha Noi Old Quarter, Vietnam

Elodie, Expat in Ubud

I use my bike every day for work and groceries. I didn’t realize how underinsured I was until BPI explained the difference. Now I feel safe on the road.

Food Delivery

Darma, Operations Manager in Canggu

Our company uses motorbikes for staff transport, and BPI made the whole process super easy. The coverage is clear, and their team is responsive whenever we need help.

What Motorbike Owners Want to Know

Answers to the most common questions about insuring your motorbike in Indonesia

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