"Best third party liability on the market. BPI sorted everything on WhatsApp in less than 24 hours."
Karine R., Canggu
Indonesia Motor and Car Insurance Specialists.
Drive Fully Covered in Indonesia.
Trusted by thousands of expats
Independent advice, no pressure
20+ insurers compared
Why Clients Trust Us on the Road
Our advisors at Be Protected Indonesia know vehicle insurance here comes with more nuance than most drivers expect, the difference between TLO and All Risk coverage, what's actually excluded, and how claims are handled after an accident can catch people off guard when they need help most.
We've guided thousands of clients through exactly these decisions, helping them avoid the common gaps and denied-claim pitfalls that come from choosing a policy without understanding it first.
We compare plans across 20+ insurers so your coverage matches how you actually drive and live in Indonesia — not a generic default.
What's Covered
and What You Can Add.
Wondering what this might cost?
As a general guide, motorbike and car insurance rates in Indonesia are guided by OJK regulation, so pricing tends to be consistent across licensed insurers. Most motorbike policies start from around USD 20 per year for basic coverage.
The exact rate depends on several factors:
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Vehicle value — a newer or higher-value motorbike costs more to insure
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Usage — daily commuting is rated differently than occasional or commercial use (e.g. delivery riders)
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Rider history — your driving record and years of experience can affect the rate
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Coverage level — adding liability, personal accident, or comprehensive damage coverage increases the premium
A word on liability coverage: third-party liability limits in Indonesia are still modest compared to markets like Europe — it's simply a different stage of market development. That said, we've spent years negotiating with insurers to secure some of the best third-party liability terms available in Indonesia today, so our clients get the strongest protection the local market currently allows.
Coverage
Basic
Standard
Premium
Accident
Fire
Theft
Riot, Strike, Civil Commotion
Terrorism & Sabotage
Act of God (Natural Disaster)
Driver Personal Accident
Passenger Personal Accident
Liability Body Injuries
Liability Material Damages
Ready to Be Protected in Indonesia.
What Motorbike Riders in Indonesia Want to Know
Everything You Need, One Advisor.
Health
The right health coverage for your life in Indonesia, not just the cheapest option, but the one that actually fits your situation.
Vehicle
Cars and motorbikes across Indonesia, we compare the market and make sure you're properly covered, whether you ride daily or occasionally.
Property
Villas, homes, and commercial spaces in Bali and beyond. We find the right cover against earthquake, fire, flood and theft, at the right price.
Business
Liability, marine, construction, we protect businesses across Indonesia end to end, so you can focus on growing yours.
