Motorbike insurance is not legally mandatory in Indonesia beyond the basic government third-party scheme (SWDKLLJ), which is included in your vehicle registration fee. But that covers almost nothing, it only pays out a small fixed amount to third parties in the event of an accident. As a foreigner riding in Bali, you are fully exposed if your bike is stolen, damaged beyond repair, or involved in a serious accident. In Indonesia, motorbike insurance works on a TLO basis — Total Loss Only — meaning it covers theft and damage exceeding 75% of the bike's value. It is affordable, straightforward to set up, and gives you real protection where it counts most. At BPI, we recommend every expat riding in Bali has a TLO policy in place.

TLO stands for Total Loss Only — and it is the standard form of motorbike insurance available in Indonesia. It covers you in 2 situations: your bike is stolen, or your bike is damaged beyond repair, meaning the repair cost exceeds 75% of the bike's market value. It does not cover minor scratches, small dents, or partial damage below that threshold. What it does cover is what matters most — total theft, which is the most common claim in Bali, and write-off situations following a serious accident. Depending on the package you choose, TLO can also include Riot and Civil Commotion, Natural Disasters, Driver and Passenger Personal Accident cover, and Third-Party Liability for body injury and material damage. At BPI, we help you choose the right level of cover for your bike, your usage, and your budget.

Motorbike insurance in Bali is very affordable. Based on a standard bike like a Yamaha Fazzio in Bali, a Basic TLO policy starts from IDR 130,000 per year, Standard from IDR 170,000 per year, and Premium from IDR 380,000 per year. Like all vehicle insurance in Indonesia, rates are regulated, meaning every insurer charges the same premium for the same coverage. What differs is the quality of service, the speed of claims handling, and who is in your corner when something goes wrong. At BPI, we match you with the right package for your bike, your usage, and your budget.

Yes — and this is one of the most common situations we handle at BPI. Many expats in Bali ride motorbikes registered under a friend's name, a landlord's name, or a local Indonesian contact. You can still get insurance on the bike regardless of who holds the STNK (vehicle registration). What we need is the bike's registration details, its current market value, and its primary use — personal, rental, or business fleet. We handle this regularly and know exactly how to structure the policy so your cover is valid when you need it.

Motorbike theft is one of the most common insurance claims in Bali. If your bike is stolen, the first step is to file a police report (surat kehilangan) within 24 hours — this is required by all insurers to process a theft claim. You will also need your policy documents and the original vehicle registration (STNK). With a TLO policy through BPI, theft is fully covered — it is one of the core protections the policy is designed for. We guide you through every step of the claims process, liaise directly with the insurer on your behalf, and make sure your claim is settled fairly and quickly. Without insurance, a stolen bike means a total loss with no recourse.