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Does My Travel Insurance Cover Me For Riding A Scooter In Bali?


The simple answer is yes, but there are exclusions, restrictions and conditions that you need to follow in order to be covered. Every day at least three people die in some sort of motor accident in Bali so these conditions also assist in keeping you safe. An average of 150 accident victims turn up to Bali's main hospital Sanglah seeking treatment each day. The most common reason for illness or hospitalisation amongst young people who travel to Bali are injuries due to motorbikes or scooters.



Seven Things You Need To Know Before Speeding Off

When it comes to travel insurance there are certain restrictions for you to be covered when riding a scooter. Here's what you need to know.

  • 1. If You Don't Have A License, Don't Get On A Scooter
  • You'll need to have a valid New Zealand license and be riding a scooter of 50cc's or less. A common bike that is rented in Bali is a 100cc or 125cc four gear, semi-automatic Honda known in Indonesia as a "Bebek". If you are to ride a bike that is over 50cc's than you need to have an New Zealand Motorbike license.

  • 2. Wear A Helmet
  • A motorcycle helmet and appropriate safety gear must be worn, even if it's not one of the requirements of where you are.

  • 3. Follow The Rules Of The Road
  • It may seem at times that there aren't any, but you need to follow standard road safety. If you wouldn't do it at home, don't do it overseas.

  • 4. Road Surface Conditions Can Be Sub-Standard
  • Whilst the main danger might seem like the other vehicles on the road, a high percentage of accidents are caused by poor road surface conditions. Keep an eye on the roads, and keep your speed down to minimise this risk.

  • 5. Don't Drink And Drive
  • It's simple, if you've been drinking alocohol your travel insurance will be invalid, not to mention that it's illegal.

  • 6. Rent From A Reputable Company
  • There have been cases of travellers being held accountable for damage to a vehicle they didn't cause. Make sure the rental company is legitimate, ask for a pre-rental damage report and take photos of the vehicle before you leave.

  • 7. Remember To Take Out Travel Insurance
  • Without travel insurance, you are looking at onwards of $23,000 for a medical evacuation from Bali to Perth or Darwin. Travel insurance to Bali is one of our most affordable policies, so get a quote today.



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Learn More about what's Covered with 1Cover

What's Covered?
  • Your Belongings. You're most likely to have at least a mobile phone and a laptop to keep you connected, we cover your stuff if it's lost, stolen or damaged.*
  • Medical Expenses. Medical claims are the most common and come at the highest cost, we cover unlimited overseas medical expenses.*
  • 100+ activities. We cover a multitude of activities, including water rafting, moped riding, and bungee jumping.* See the full list here.
  • Cancellation & Lost Deposits. If you have to cancel your plans due to unforeseen circumstances outside of your control.
  • Rental car excess. Whether you’re hiring a car in Italy or doing a road trip in the US, or driving a caravan around Australia, don’t leave yourself open to nasty car rental excess.

Terms and conditions, limits and exclusions apply. Please see Policy Wording for full details.

what's not covered?
  • Drugs & Alcohol. If you're intoxicated, taking drugs (that haven't been prescribed) and your claim results from these actions, then you're not covered.
  • Unsupervised Belongings. Leaving your things laying around is just asking for someone to take them so if you leave anything unattended or unsupervised, we won't cover this.

  • Ignoring Official Warnings. If a government or other official body have issued a specific "Do Not Travel" or "Reconsider Your Need to Travel" warning and you go anyway, we won't cover any claim you make relating to this.

  • Breaking The Law. For obvious reasons we can't help you out here. Always adhere to local laws.

For a full list of what's not covered please refer to the Policy Wording for details.