Insurance is not automatically included in the base rental price at Cinchy Life — but it is available as a low-cost, clearly priced add-on that you can select during the booking process. And for most riders in Bali, adding it is one of the smartest decisions you can make before you hit the road. This guide explains both insurance plans in full detail: what each covers, what is excluded, how much each costs, and which one is right for your trip.

Why Insurance Matters on Bali's Roads

Bali is genuinely one of the most exciting places in the world to ride a scooter. But its roads are also unpredictable. Potholes appear without warning. Dogs cross intersections. Rain makes roads slippery in seconds. Traffic in areas like Kuta, Canggu, and Seminyak moves fast and loosely.​

Even careful, experienced riders get caught out by Bali's road conditions. A minor incident — a low-speed fall, a kerb scrape, or a collision with another vehicle — can result in repair costs that far exceed the total cost of your rental.​

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Without insurance, you are financially responsible for every scratch, dent, and mechanical repair caused during your rental period. With insurance, your exposure is either capped or eliminated entirely — depending on which plan you choose.​

The Two Insurance Plans: Basic and Full

Cinchy Life offers two vehicle insurance plans. Both are add-ons to your booking, and both are priced per day of your rental.​

Basic Insurance — IDR 30,000 per day (~USD 1.85 / ~AUD 2.85)

The Basic plan is a financial safety net for accident-related repairs. It reduces your out-of-pocket cost significantly if damage occurs — but it does not eliminate it entirely.

What Basic Insurance covers:

• Repair costs from accidents on public roads
• A deductible of IDR 2,000,000 applies — you pay the first IDR 2,000,000 of any repair bill
• All repair costs above IDR 2,000,000 are fully covered by the insurance policy​

What Basic Insurance does NOT cover:

• Theft of the scooter under any circumstances
• Damage caused by rider negligence
• Off-road damage
• Personal injury or medical expenses for you or third parties
• Third-party property damage​

Full Insurance — IDR 40,000 per day (~USD 2.46 / ~AUD 3.81)

The Full plan is the most comprehensive option Cinchy offers. It removes the deductible entirely and adds theft protection — giving you complete financial peace of mind for every day of your rental.

What Full Insurance covers:

• All repair costs from accidents on public roads — zero deductible, you pay nothing
• Theft coverage — if the scooter is genuinely stolen under unforeseen circumstances
• All damage types from minor scratches to serious collision damage
• No out-of-pocket repair costs regardless of the severity of damage​

What Full Insurance does NOT cover:

• Theft resulting from rider negligence (keys left in ignition, scooter left unlocked, keys lost or shared with an unauthorised rider)
• Tire damage from punctures or sharp debris
• Battery discharge from leaving the scooter in standby mode too long
• Off-road damage from riding on dirt tracks or surfaces the scooter was not designed for
• Personal injury or medical expenses for you or any third party
• Third-party property liability — damage caused to another person's vehicle or property​

The difference between Basic and Full Insurance is just IDR 10,000 per day — roughly USD 0.62. For most travelers, especially those new to Bali's roads or renting for a week or more, Full Insurance is the obvious choice. Complete protection, zero deductible, and theft coverage for less than the cost of a coffee.​

For the complete, in-depth breakdown of both plans including real-world scenarios, read our dedicated guide on renting a scooter in Bali with accident and theft insurance.​

What Happens If You Ride Without Insurance?

Choosing not to add insurance at booking is an option — but it is important to understand what that means in practice.

Without any insurance, you carry 100% of the financial risk for any damage to the scooter during your rental.​

Here is what that can look like:

• Minor scratch repair: IDR 150,000 – IDR 500,000
• Mirror or indicator replacement: IDR 100,000 – IDR 300,000
• Body panel damage from a fall: IDR 1,000,000 – IDR 3,000,000
• Engine or frame damage from a collision: IDR 5,000,000 – IDR 15,000,000
• Full scooter replacement (theft or total loss): IDR 15,000,000 – IDR 30,000,000 or more​

A single uninsured incident can cost you more than a month of rentals. And unlike a deposit — which you get back — repair costs are a real, permanent expense.​

To understand exactly how insurance compares to a traditional cash deposit and why the two serve completely different purposes, read our detailed guide on the difference between deposit and insurance when renting a scooter in Bali.​

Does Your Travel Insurance Cover Scooter Accidents in Bali?

This is a critical question — and the answer is often no.​

Many standard travel insurance policies exclude scooter and motorbike accidents entirely. Others cover them only under specific conditions — for example, only if you hold a valid International Driving Permit (IDP) with motorcycle endorsement. If you are riding on a home country license without an IDP, your travel insurance is most likely invalid for any scooter-related claim.​

Even policies that technically include motorbike coverage often have strict sub-limits on payouts, excess clauses, or exclusions for certain road types. Before you rely on your travel insurance, check the policy documents carefully for:

• Whether scooters and motorbikes are explicitly included
• Whether an IDP or local license is required for coverage to apply
• What the excess or deductible is on motorbike claims
• Whether medical costs and third-party liability are included

If your travel insurance does not clearly and explicitly cover scooter accidents in Bali, Cinchy's Full Insurance at IDR 40,000/day is the only reliable safety net for your rental.​

What to Do If You Have an Accident During Your Rental

Even with insurance in place, knowing what to do immediately after an incident is important. Acting correctly in the first few minutes can make a significant difference to the outcome.​

Here is the right sequence of actions:

1. Stay calm and move to safety. Get yourself and the scooter out of active traffic if possible.
2. Check for injuries first. Your health takes priority over the bike. If anyone is injured, seek medical attention immediately.
3. Call Cinchy's 24/7 support line. The number is provided in your booking confirmation. Report the incident as soon as you are safe. Cinchy's team will guide you through the next steps.
4. Do not move the scooter if there is significant damage. Let Cinchy's team advise you on whether to wait for assistance or continue.
5. Document everything. Take photos of the scooter, the road, and any other vehicles or obstacles involved.
6. Do not admit fault or make payments to third parties before contacting Cinchy. Any financial settlement should go through the proper process.

For a complete step-by-step guide on what to do after a scooter accident in Bali — including dealing with police reports, third-party situations, and hospital procedures — read our guide on what to do if you get in a scooter accident in Bali.​

What Cinchy's Roadside Assistance Covers

Every Cinchy rental — regardless of insurance tier — includes 24/7 roadside assistance at no extra cost. This is separate from insurance and covers operational issues rather than damage-related ones.​

Roadside assistance covers:

• Scooter breakdown — if the engine stops or the bike becomes unrideable due to a mechanical fault
• Scooter swap — Cinchy will send a replacement scooter if the original cannot be repaired quickly in the field
• Flat tire assistance — if you get a puncture on the road
• Guidance on next steps — if you have been involved in an accident and are unsure what to do​

If you need help at any point during your rental — whether it is a breakdown, an accident, or simply a question about the bike — Cinchy's support team is available around the clock. Details on how to reach the team during and after a rental incident are covered in our guide on what to do if you need help during your Cinchy rental.​

How to Add Insurance to Your Booking

Adding insurance to your Cinchy reservation takes seconds and can be done entirely online during the booking process. Here is how:

1. Go to the Cinchy booking page and select your scooter class and rental dates
2. On the booking summary screen, you will see the insurance options listed — Basic and Full
3. Select your preferred plan — Basic (IDR 30,000/day) or Full (IDR 40,000/day)
4. Your insurance cost is added to your rental total and shown clearly before you confirm
5. Complete your booking — your confirmation will show the full itemised breakdown including insurance

Insurance must be added at the time of booking. It cannot be added after the scooter has been delivered.​

Which Insurance Plan Should You Choose?

Here is a simple guide to help you decide:

Choose Basic Insurance (IDR 30,000/day) if:

• You are an experienced rider with a strong track record on similar roads
• You have separate travel insurance that explicitly covers scooter accidents
• You are renting for a very short period in a quiet, low-risk area​

Choose Full Insurance (IDR 40,000/day) if:

• You are a first-time rider or new to Bali's roads
• Your travel insurance does not clearly cover scooter incidents
• You are renting for a week or more
• You plan to ride in busy areas like Kuta, Canggu, Seminyak, or Ubud
• You want complete peace of mind with zero deductible and theft protection​

For most international travelers and local riders visiting unfamiliar areas, Full Insurance is the recommended choice. The IDR 10,000/day difference between Basic and Full is negligible — but the protection gap between them is enormous.​

To understand exactly what renters check and confirm before accepting a scooter — and why insurance is part of that pre-ride checklist — read our guide on things to check before renting a scooter in Bali.​

Ride Bali With Full Confidence

Insurance is not included automatically in Cinchy's base rental price — but it is available right there at checkout, clearly priced, with zero pressure. The two plans cover different levels of risk, and the right choice depends entirely on how much protection you want while you ride. What is certain is that riding in Bali without any insurance is a financial risk that far outweighs the small daily cost of being covered.

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