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Insurance Coverage and Medical Expenses: how it works in Indonesia — first-hand

Short answer
Riding a scooter in Bali requires a valid motorcycle license (Category A) and an international driving permit to ensure legal compliance and insurance coverage. Driving without these documents voids medical insurance and leaves you personally liable for accident expenses.

From real experience

Driving a scooter in Bali without previous experience is highly dangerous due to traffic conditions.
Essential requirements: valid motorcycle driving license (Category A) and international driving permit. Without a license, travel insurance policies typically do not cover accident-related medical expenses, which can be extremely high. It is highly recommended to take professional driving lessons before attempting to ride in traffic.
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Driving a scooter in Indonesia requires an international driving permit with a valid 'A' (motorcycle) category.
Local Indonesian driver licenses for tourists without a KITAS are often illegal or invalid in case of accidents. Driving without the correct license category makes you legally liable for any accident and invalidates insurance coverage.
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Driving safety in Bali: A valid international driver's license with category 'A' is mandatory for insurance coverage in case of accidents.
Riding without one voids medical coverage. Avoid using phone mounts on scooters in tourist areas (Canggu, Ubud, Uluwatu) due to high rates of snatch-theft.
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Renting and riding a motorbike on Bali without a license: Renting a motorbike without valid international driving permits is risky.
While local rental services might offer to overlook this, in case of an accident, insurance will not cover damages. It is highly recommended to obtain the appropriate license before riding.
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Related topics

• Mobile IMEI Registration 🛂 Extending Tourist Visas • Bali Beaches and Swimming Conditions • Online e-VOA Application 🚕 Transport and Logistics 🎟 Return Ticket Requirements

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