Boat Insurance in Indonesia: What Expats Need to Know Before Setting Sail
- Be Protected Indonesia
- May 23
- 2 min read
From private yachts to dive boats and island-hopping charters, the right insurance makes all the difference — especially in Indonesia.
Why Boat Insurance Is So Important in Indonesia
Sailing in Indonesia is incredible — but also unpredictable. From unexpected storms to coral groundings, your boat is exposed to a wide range of risks. And if you're running a charter business or taking guests on board, you're not just protecting your boat — you're protecting lives and your liability too.
At Be Protected Indonesia, we help expats secure the right marine insurance for their vessel — without the paperwork stress.
The 2 Core Coverages Every Boat Owner Needs
1. Hull & Machinery (H&M)
This covers physical damage to your boat, including:
Fire, explosion, grounding, or collision
Damage from waves, storms, or poor visibility
Engine failure, propeller damage, or electronics failure
Salvage and wreck removal costs
2. Protection & Indemnity (P&I)
This protects you from legal liability, including:
Injury or death of passengers or crew
Damage to other boats or property
Pollution and wreck clean-up
Legal fees, rescue costs, and diving accident liability
Optional Add-ons (Highly Recommended)
Watersport liability for diving, snorkeling, or kayaking
Crew accident coverage
Scuba Diving Extension for operators offering dive trips
Quarterly payments to ease your cash flow
What You’ll Need to Get a Quote
Getting started is simple. To prepare your boat insurance quote, we just need a few key details:
Basic boat specs — like the length, engine type, year built, and construction material
Your operational area — whether you’re sailing around Bali, Komodo, Raja Ampat, or other parts of Indonesia
The type of activity — such as private leisure use, charter trips, diving tours, or daily water transport
A quick overview of your captain and crew’s experience
Your guest capacity and roughly how many days per year the boat is used
Any previous accidents or insurance claims, if applicable
You can fill all this out in a short form — or, if it’s easier, we can go through it together on a quick call.
Why Choose Be Protected Indonesia?
We’re more than just an insurance provider — we’re your partner on the water. At Be Protected Indonesia:
We’re expats too, so we understand how things work — and don’t work — here
We help you avoid underinsurance and make sure you’re properly covered from day one
We handle the paperwork, deal with the insurers, and support you through the whole claims process
We speak your language, we’re fast to respond, and we don’t leave you guessing
We only work with trusted insurers that actually pay — because that’s what matters most when things go wrong
Ready to Protect Your Boat?
👉 Whether you own a leisure yacht or manage a liveaboard diving operation, we’ll help you set up the right marine insurance — smart, simple, and stress-free.
