All Risk & TLO Cover for Daily, Sport and Work Motorcycles
Motorcycle Insurance Batam
Motorcycles are the main vehicle for many Batam residents, from industrial-estate commuters to delivery riders. One theft at a car park or one accident can wipe out months of savings. Choose All Risk or TLO to match your motorcycle's value and use, then estimate the premium before you apply.
Benefits & Coverage
What does this insurance policy cover?
All Risk / Comprehensive
Covers partial or total loss or damage from collision, impact, overturning, skidding, malicious acts, theft and fire, under the standard motor vehicle policy.
TLO (Total Loss Only)
An economical base cover: pays when the motorcycle is stolen or damaged beyond 75% of its value. Minor damage is not covered.
Flood & Storm Extension
Flood, inundation and storm are generally excluded from the base policy. This extension covers them, relevant for Batam areas that flood in heavy rain.
Third-Party Legal Liability
An extension for compensation if your motorcycle damages property or injures others, including legal costs approved by the insurer, up to the limit in the policy.
Rider & Passenger PA
Accident benefits for the rider and passenger, complementing cover for the motorcycle itself. Suited to daily commuters to the industrial estates.
Rates Under OJK Rules
Premium is the motorcycle's value multiplied by a rate within OJK's lower and upper limits, so you can estimate the cost before you apply.
OJK Motorcycle Premium Rates (Region 1 – Batam)
The base premium is the motorcycle's value multiplied by an annual rate. For motorcycles, OJK sets a single category for all price ranges.
| Cover type | Annual rate | Rp 25 million bike | Rp 45 million bike |
|---|---|---|---|
| All Risk (comprehensive) | 3.18% – 3.50% | Rp 795,000 – 875,000 | Rp 1,431,000 – 1,575,000 |
| TLO (theft & total loss) | 1.76% – 2.11% | Rp 440,000 – 527,500 | Rp 792,000 – 949,500 |
- These are the lower and upper limits in OJK Circular SEOJK 6/SEOJK.05/2017. Insurers set the final rate within the range.
- Administration, policy and stamp-duty charges are added on top of the premium. For comprehensive policies, older motorcycles may carry an additional rate.
- OJK is reviewing adjustments to motor vehicle tariffs, so confirm the latest figures when you apply.
Want to calculate your own motorcycle? Open the Motorcycle Premium Calculator.
Choose Cover to Match Your Motorcycle
Not every motorcycle needs the same protection. These are the considerations we usually raise.
🛵 Daily scooters & commuters
For a moderately valued bike ridden to the industrial estates, TLO is often enough for the biggest risk, which is theft. Choose All Risk if the bike is new or you want minor damage covered as well.
🏍️ Sport & big bikes
Higher value and a greater risk of skidding or theft make All Risk more sensible. Availability of All Risk for particular models differs between insurers, so check early.
🔧 Modified motorcycles
Accessories not stated in the policy are generally not covered. Declare the exhaust, rims and other valuable equipment, and align the sum insured with the bike's condition after modification.
📦 Work & delivery motorcycles
Motorcycles used for deliveries or ride-hailing must be declared according to their actual use. Use that differs from the policy can be excluded at claim time.
⚡ Electric motorcycles
They can be applied for, but terms and availability vary. Rates still follow the current OJK rules while a dedicated electric vehicle tariff is under review.
💳 Financed motorcycles
Some financiers require insurance with particular clauses. State the financing status at application so the policy is set up to meet their requirements.
What Is and Is Not Covered
A general picture of the standard motor vehicle policy. Final details follow the insurer's wording.
✅ Generally covered
- Collision, impact, overturning, skidding or falling into a hole (All Risk).
- Malicious acts and theft, including theft with violence.
- Fire, including from lightning and damage from firefighting efforts.
- Incidents while the motorcycle is aboard an official ferry supervised by the Directorate General of Land Transportation (check your route).
- Optional extensions: flood and storm, riot and terrorism, earthquake and tsunami, rider and passenger PA, and third-party legal liability.
⚠️ Generally not covered
- Riding without a suitable licence, or under the influence of alcohol or prohibited drugs.
- Racing, speed trials, and use other than that stated in the policy.
- Embezzlement, fraud, hypnosis, and malicious acts by people close to the insured or by employees.
- Wear and tear, and tyres or rims damaged without damage to other parts, except from certain perils.
- Keys not attached to the motorcycle, and additional equipment not stated in the policy.
- Flood, earthquake and riot if the extension is not taken.
Riding Conditions in Batam
Many riders in Batam travel busy routes to Muka Kuning, Kabil and Batamindo, park in crowded public areas, and ride through stretches that flood in heavy rain. Those three conditions explain why theft, accidents and flooding are the three risks we most often discuss with motorcycle owners.
If you often take your motorcycle between islands on ferries, ask whether your route and type of vessel fall within the policy cover before you travel.
How to Apply
- 1Estimate the premiumUse the calculator to see the range for All Risk and TLO.
- 2Send your motorcycle detailsThrough the Request a Quote button: make and model, year, price and type of use.
- 3Prepare documentsID card, registration (STNK), and photos of all four sides, chassis and engine numbers and the odometer. Add a list of accessories if any.
- 4Assessment and quotationThe insurer assesses your application and may ask for more photos or a survey. We then send you the options and figures.
- 5Pay and policy issuedOnce approved and the premium is paid, the policy is issued and cover runs from the date in the policy.
Policy Comparison
Choose the package that suits your needs
| Feature | Basic | Standard | Comprehensive |
|---|---|---|---|
| Partial damage (scratches, breakage) | ❌ TLO | ✅ All Risk | ✅ |
| Total loss (>75%) | ✅ TLO | ✅ | ✅ |
| Theft / loss | ✅ TLO | ✅ | ✅ |
| Flood & storm extension | ❌ | Optional | ✅ |
| Third-party legal liability | ❌ | Optional | ✅ |
| Rider & passenger PA | ❌ | Optional | ✅ |
* Contact us for the best offer tailored to your needs
Frequently Asked Questions
Answers to commonly asked questions
Do all insurers offer All Risk for motorcycles?+
Why can the insurer's premium differ from the calculator result?+
My motorcycle is still on credit or lease. Does it need insurance?+
I use my motorcycle for ride-hailing or deliveries. Can it still be insured?+
What about electric motorcycles?+
Are accessories and modifications covered?+
When can a claim be rejected?+
How soon must I report an incident?+
Is there an excess (deductible) I must bear?+
Is a survey or photos required before the policy is issued?+
Ready to apply? Fill in a short form and we'll do the initial assessment.