Scooter hire is one of the most popular ways to get around Bali, but it is also one of the leading causes of tourist injuries on the island. Before you jump on a scooter, it is essential to understand how your travel insurance policy treats motorbike and scooter accidents.
Are scooter accidents covered by travel insurance?
It depends on the policy and your circumstances. Most Australian travel insurers will only cover scooter or motorbike-related injuries if certain conditions are met:
- You hold a valid motorbike or motorcycle licence from your home country.
- You wear a helmet at all times.
- You are not under the influence of alcohol or drugs.
- The vehicle engine capacity is within the limit specified by the policy (commonly 200cc or 250cc).
If you ride a scooter without a licence, many policies will decline your medical claim entirely, even for injuries unrelated to your licence status.
What if I don’t have a motorbike licence?
If you do not hold a motorbike licence in your home country, most standard travel insurance policies will not cover injuries you sustain while riding a scooter. This is one of the most common reasons for declined claims among Australian travellers in Bali.
Some policies may still cover you as a passenger (rather than the rider) even without a licence, but this varies. Check your policy wording carefully.
Do I need an international driving permit?
Indonesia requires foreign riders to have a valid Indonesian SIM (Surat Izin Mengemudi) or an International Driving Permit (IDP) along with a home-country motorbike licence. Some travel insurers specifically require an IDP in their policy wording. Without one, you may be in breach of local traffic laws, which can also void your travel insurance cover.
Tips for scooter safety in Bali
- Always wear a helmet, even for short rides.
- Ride slowly and stay alert for potholes, dogs, and other road hazards.
- Avoid riding at night if possible.
- Do not carry large bags or items that could affect your balance.
- Take a short test ride in a quiet area before heading into traffic.
What to do if you are in a scooter accident in Bali
- Seek medical attention immediately. BIMC Bali and Siloam Hospitals are well-equipped for tourist injuries.
- Contact your insurer’s 24/7 emergency assistance line as soon as possible.
- Document everything: photos, a police report if required, and all medical receipts.
- Do not sign any documents at the hospital that you do not understand.
Compare Bali travel insurance with scooter cover
When comparing travel insurance plans for Bali, look specifically at the motor vehicle or motorbike clause. Our comparison table includes notes where policies have specific conditions around motorbike cover.
Compare Bali Travel Insurance Plans →
Policy terms vary by insurer. Always read the product disclosure statement and confirm your cover before travelling. Information current at time of publication.