Here's an example of what can happen if you don't already have a motorbike licence from your home country.[url=http://mobile.abc.net.au/news/2017-01-27/injured-australian-woman-dawn-weldon--stuck-in-thai-hospital/8218036]Australian tourist stuck in Thai hospital after head-on collision, owing $56,000 in medical bills - ABC News (Australian Broadcasting Corporation)[/url]Also, I'd like to know why they say there was a delay because she only had a digital copy of her insurance policy on her phone and not a hard copy. You'd think it wouldn't matter. Maybe it's because her phone was damaged in the accident.
Very important point, in Australia you need a motor bike licence to a scooter of 50cc i believe. So even riding a fairly standard scooter in Bali (over 50cc) may void your travel insurance if you don't have the required permit to operate the scooter.