Vehicle Insurance

last update: 06-10-17

To rent a vehicle with Balijeep there are a few conditions set by our Insurance company. You must be minimum 21 years old and have held a full and unrestricted applicable class drivers license for minimum 3 years.

Before setting off to go exploring the island of Bali, especially when you are on your own and not with a driver, we recommend you pay attention to your rights and responsibilities as a driver in Indonesia.

In Indonesia, vehicle insurance is not mandatory except for vehicles licensed to carry public passengers, and commercial trucks.

Third-party vehicle insurance - SAMSAT - is for private vehicles; however, it only covers bodily injury, payment for damage to a vehicle is usually settled at the scene of the accident in cash.

Our Insurance covers the registered drivers for damage to the rental vehicle and does not cover third party property or person. Theft is not covered if the vehicle keys or papers are lost. Insurance is only valid for use of the vehicle on a public road and is NOT valid for any off road use. If you take a vehicle off road you do so at your own risk and ARE liable to pay for for ALL damages, repairs, towing, vehicle collection and any other fees associated with taking one of our vehicles off the public roads

The daily premium costs for these insurance packages differs depending upon the vehicle you choose. The relevant premium rates will be made available to you under the options section when you go through the booking process

NOTE: If you have an accident regardless of severity you must report it to the Balijeep office.

Below is a list of the Insurnce Cover package types

Insurance Cover Packages Info

All Balijeep vehicle rentals include our "Standard Cover" insurance package in the normal daily rental rate. However we encorage our customers to make use of the insurance upgrade options with cover to suit most needs, they include;

  • Insure Standard Cover - Excess liability up to US$10,000
  • Insure Bronze Cover - Excess liability up to US$5,000
  • Insure Silver Cover - Excess liability up to US$2,500
  • Insure Gold Cover - Excess liability up to US$500
  • Insure Platinum Cover - Excess liability up to US$0

a) Balijeep Insurance cover is only available for damage to Balijeep vehicles and does not cover 3rd party person or property
b) Balijeep Insurance does not cover wilful damage, negligent or intoxicated driving
c) If the repairs estimated is less than the insurance excess the hirer is only responsible to pay the amount covering the cost of repairs
d) The person renting the vehicle is fully responsible for all damages to the vehicle including 3rd party person and property
e) Failure to comply with insurance laws will result in a report being lodged with Indonesian Authorities
f) Only the drivers registered at time of booking are covered by insurance
g) Additional insurance excess liability for those under the age of 25 and over the age of 55 are below under Additional Excess Liability

Optional Insurance Upgrade Packages

All Balijeep vehicles have insurance cover packages which can be nominated at time of booking. This is referred to as our Optional Insurance Upgrade Cover Packages.
Provided the "Rental Terms and Conditions" and use of the vehicle is adhered to by the hirer (and the listed drivers) the standard Insurance excess (liability) applies. Drivers under the age of 25 years and over the age of 55 years have a higher excess applied.

Additional Excess Liability

a) The standard Insurance Excess amounts as listed above apply for all drivers aged 25 to 55 years of age.
b) Drivers outside of these ages: Additional $500.00.

Licence criteria.

All drivers must be minimum 21 years of age and have held a full unrestricted applicable class licence for a minimum of 3yrs.

Windscreen, Tires or Wheels Damage

The insurance excess on a windscreen is US$350. For a wheel/Rim or Tire the excess is US$350 per item damaged unless the wheel is repairable in which case the amount charged will only be for the repair costs

Lost Keys and SNTK vehicle registration

Lost keys and registration papers are not covered by Insurance. In the case Keys or vehicle papers are lost there is a charge of US$350. This fee covers the vehicle ignition, locks, keys, plates and papers being replaced as well as all police reports and legal fees

Reporting accidents to Police

1 By law, the police only need to be at the scene of an accident if they are called by a victim or if the accident is serious. Serious accidents include bodily injuries resulting in hospitalisation and/or death.

Procedure in case of accident

After a road accident takes place, and because most Indonesians do not have vehicle insurance, damage is often assessed and payment negotiated at the scene of the accident.

The Indonesian police classify road accidents as:

  • Kecelakahan ringan - minor
  • Kecelakahan sedang - medium
  • Kecelakahan berat - serious

1 By law, the police only need to be at the scene of an accident if they are called by a victim or if the accident is serious. Serious accidents include bodily injuries resulting in hospitalisation and/or death.

Police emergency number Tel: 110
The victim of a minor accident who has suffered bodily injuries has the right to call the police to make a police report, but if the victim is satisfactorily compensated at the scene by the party at fault, the victim may decide not to contact the police.

At the scene of an accident
A foreigner involved in a road accident must take great care immediately after the accident. Indonesia is known for its lax safety standards.

The law requires that every vehicle carries an emergency triangle and orange safety jacket. Place the triangle on the road, and wear the jacket

Damaged vehicles should be moved to the side of the road, if possible. However, road conditions are often not safe and there might not be a road-shoulder

Crowds may gather at the scene of an accident and further compromise safety. If the scene of an accident is dangerous for any reason, the police should be called to direct traffic and prevent too many onlookers from gathering

Minor accidents
For minor accidents, these are the general rules in Indonesia;

1. Reporting a road accident to the police is generally not required if death or serious injuries are not involved
2. Minor accidents are rarely reported to the police. The parties involved usually negotiate payment for damage to vehicles and people
3. The larger vehicle is often considered at fault. For example, the driver of a vehicle is usually expected to pay a motorbike rider for damage to property and person, whether at fault or not
4. If a foreign driver is involved, they are sometimes expected to pay for damages
5. For the party or parties who agree to pay, it is best to settle negotiations and make compensation immediately, before crowds gather and attempt to influence negotiations
6. Never leave the scene of an accident until all reporting and negotiations are finalised.

Accidents involving a foreign driver
Payment of damages often falls to the foreigner if he or she is the driver.

1. The foreigner can negotiate alone, or call in the police to conduct negotiations and file a report. If damages are slight, then extra-judicial (no official person present) negotiations might be preferable.
2. An insurance claim is not valid without an accompanying police report.

Police presence at an accident
Police go to an accident scene if it is serious or one of the parties involved demands it. They also file a report if they witness an accident.

The police have the power to conduct a musyawarah, or negotiation between the parties involved. Once agreed upon, the policeman can draw up a Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan (SWDKLLJ), or Mandatory Financial Contribution as Compensation for a Road Accident.

If the SWDKLLJ determines the foreign driver is at fault and must pay damages, then there is not much recourse while at the scene of the accident. A payment has to be made or quickly arranged, otherwise the possibility exists of being detained by local authorities. If found at fault, the foreigner should demand the victim signs a Surat Pernyataan (affidavit) after the victim receives the agreed compensation. The statement should also be signed by the police, otherwise it may not be considered a legal affidavit. Without a signed, legal affidavit, the victim/paid party has legal recourse to seek out the paying party and request more money afterwards.

The SWDKLLJ is filed at the Sistem Administrasi Manunggal Satu Atap (SAMSAT) or "Administration Under One Roof". This office is the clearing house for all legal/governmental matters for motorised vehicles.

Accidents with serious bodily injuries
In the case of serious injuries, the police must be called immediately. If the accident happens in a remote area and the police cannot be contacted, responsibility lies with the party with a functioning vehicle to transport victims to the hospital, clinic or doctor's office. If the police arrive, they might be on motorbikes, and if an ambulance service is not available, they can demand that someone at the scene with a vehicle transports the victims - foreigners included.

Do not leave the scene of the accident until the police have given permission. This means waiting for the injured to be transported. Police assess the damage; they might conduct a negotiation (musyawarah), and then write their report.

If a foreigner needs a copy of the police report, ask for it immediately. Otherwise, find out where the local police office is and request a copy.

Insurance Claims
The following is a typical claims procedure as required by Indonesian insurance companies:

1. Report the accident or theft to the insurance company as soon as possible, and within a maximum of 24 hours
2. Take the vehicle to a garage (or bengkel) as authorised by the insurance company for repairs. If no authorised garage exists in the area, first ask for a repair estimate from another garage and submit it to the insurance company for authorisation in advance. The insurance company also inspects the vehicle prior to repair
3. Provide the following documents:
  • Claim form
  • Photocopy of driving licence and vehicle registration
  • Police Certificate (report) of accident or theft
  • Third-party claims - vehicle damage only

  1. The driver should not sign a Surat Pernyataan (affidavit) to any third party in a road accident, which assumes responsibility for the accident and damages to the vehicle owned by the third party
    Third parties should fax their claims along with a written police report detailing the accident
    If the insurance company deems the accident was the fault of the insured, then they will direct the third party to repair their vehicle at a designated garage

    Prior to repair, the insurance company must inspect damage done to the third party's vehicle
    The third party must provide the following documents;
  • Claim form
  • Photocopy of driving licence and vehicle registration - insured party
  • Photocopy of driving licence and vehicle registration - third party
  • Police Certificate (report) Statement of the uninsured - third party
  • Garage's repair estimate

    Third-party claims - bodily injuries
    The driver should not sign a Surat Pernyataan (affidavit) to any third party in a road accident ,which assumes responsibility for the accident and bodily injuries suffered by third parties as a result
    Third parties should fax their claims along with a written police report detailing the bodily injuries resulting from the accident
    The insurance company will study the claim along with accompanying documents and decide whether the insured is legally responsible
    The third party must submit all original receipts for medical expenses and funeral costs, or costs of repair to related property damage as a result of the accident
    If the insurance company agrees to pay a third-party claim, a Surat Pernyataan (affidavit) must be signed by the victim (third party) stating that an agreement was reached, payment made, and that no further financial compensation demands would be forthcoming as a result of any damage caused by the accident

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    Website Contact: Contact Form

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    Bookings can only be made via our online booking system

    Address: Jl. Bali Jeep Street, No.1 (Graha Parta Lestari) Padangsambian, Denpasar Barat, Bali, 80117, Indonesia.

    Opening Hours
    Office: Mon-Fri 9am-5pm,
    Sat 8:30am-2:30pm
    Workshop: Mon-Fri 8:30am-5:30pm
    & Sat 8:30am-2:30pm
    Roadside Assist: 24hrs


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