Thread: Insurance for motorbike ?

Originally Posted by Gator

No need for insurance....in Indonesia, if you have an accident with a car, the car always pays (cash) if you are on a motor....that is if you aren't dead.....if you were to hit a person they would also expect cash, and probably a ride to the hospital on top of that........

Gator... I am not sure that you are right. When the locals on their Honda Verios drive into my car, while it is stationary at traffic lights, they don't hang around asking for money. They vanish into the crowd of bikes as fast as possible, weaving so you can't read their number plate! So there must be some reason they are keen to disappear.

As for bike insurance, my Indonesian mate paid paid 4% (Rp 600,000/year) of the value of a brand new bike, and that covers the bike being stolen, accident with and without injuries. But he has to pay the first Rp 700,000 of damage, but gets 20% discount if he doesn't make a claim in a year. He didn't use finance, as the cost of the interest re-payments were so high.

Our car insurance is 2.5% of the value, and we have to pay the first 1.8 million of any damage (a wing mirror costs 2 million to replace I discovered!). I expect some people can get cheaper, but it is a case of checking the small print and asking around.
Barekarma