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
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
