Coverage

Coverage is what the plan agrees to pay. Basic and Full cover eligible repair costs from accidents. VIP covers the same repairs and adds vehicle theft. Coverage is "first-party," which means it protects the rental scooter, not other people.

Exclusions

Exclusions are events the plan will not pay for. They matter as much as the coverage itself, and we cover them in detail below.

Claim Conditions

Claim conditions are the steps you must follow for the plan to pay. For Full and VIP, Cinchy's terms require immediate notice and clear evidence after an accident. For VIP theft, they also require the Mandatory Theft Protocol.

Plan by Plan: Where the Money Goes

No Plan

With no plan, you pay every repair in full, with no cap. There is no premium, but there is no protection either. Cinchy's deposit versus insurance guide explains that a deposit and an insurance plan are different tools. A deposit is a refundable hold for small issues, while insurance is a plan that protects you from larger financial losses. Cinchy's standard model uses no cash deposit, so choosing a plan is the main way to manage risk.

Basic Coverage: Pay First, Then Share

Basic works like a policy with a high deductible. You pay the first IDR 2,000,000 of a covered repair, and the plan pays the rest. Suppose a repair costs IDR 5,000,000. You pay IDR 2,000,000, and the plan pays IDR 3,000,000. Suppose a repair costs IDR 400,000. You pay all of it. Theft is not covered. Basic is built for the rare, large loss, not for everyday scratches.

Full Coverage: Predictable Repair Costs

Full works like a low-deductible policy. Eligible repairs from scratches and accident damage have zero deductible, so the plan pays them under its terms. A covered IDR 150,000 scratch and a covered IDR 2,500,000 repair are treated the same way. Theft is not covered under Cinchy's current terms.

VIP Coverage: Full Plus Theft

VIP has the same zero deductible and adds theft protection. It is the most complete tier, but its theft cover depends on strict steps. Cinchy's VIP Protection guide explains them.

A Simple Way to Compare Total Cost

A smart comparison adds the premium and the out-of-pocket cost. Total cost equals the plan fee plus whatever you must pay after an incident.

Imagine a seven-day rental and a covered repair of IDR 2,800,000. With Basic, you pay about IDR 210,000 in fees plus IDR 2,000,000, for roughly IDR 2,210,000. With Full, you pay about IDR 280,000 to IDR 350,000 in fees and nothing else, for roughly IDR 280,000 to IDR 350,000. Full saves close to IDR 1,900,000 in that case.

Now imagine nothing happens. Basic costs about IDR 210,000, Full about IDR 280,000 to IDR 350,000, and VIP about IDR 560,000. The extra premium for Full over Basic is at most IDR 140,000 for the week. A single deep scratch on a Compact scooter, listed at IDR 150,000, already costs more than that. So Full pays for itself after one small incident that falls under the Basic deductible.

VIP adds roughly IDR 210,000 to IDR 280,000 per week over Full. That extra premium buys theft protection, which is worth it only if theft is a real risk for you, such as overnight parking outside a villa.

What "Zero" Really Means

The words "zero deductible" sound like "zero worry," but they are not the same. A zero deductible means you pay nothing toward an eligible repair. It does not make you free of every cost. The renter still carries responsibility in several areas.

• Negligence. Cinchy's terms exclude damage linked to negligence. Examples include tire damage such as punctures and flats, battery discharge from leaving the scooter in standby mode, riding on surfaces the scooter is not designed for, and drivers not listed on the rental agreement. Cinchy's negligence guide lists more cases.
• Fines and towing. Traffic fines, parking tickets, and towing or impound fees belong to the renter. An impounded scooter is not treated as stolen. Cinchy's towing guide explains the renter's responsibility.
• Injury and third parties. Scooter damage coverage does not automatically pay for personal injury or third-party liability. If you hurt someone or damage their property, that is outside the plan. A separate travel or accident policy is the right tool. Cinchy's explainer on what insurance covers goes deeper.
• Lost keys and remotes. Losing a key or remote counts as negligence. A keyless remote replacement is listed at IDR 800,000.
• Leaving Bali. Taking the scooter off mainland Bali voids coverage.

In insurance language, Cinchy's plans are first-party damage protection. They are not a liability policy, and no tier makes the renter fully free of liability.

The Conditions That Decide Whether a Plan Pays

Claim conditions are where many renters get surprised. Under Cinchy's terms, an eligible accident must happen on a designated roadway. Floods, beaches, off-road tracks, and non-public roads are excluded.

Next, you must notify Cinchy immediately. The 24/7 support lines are +62 851-7424-6249 and +62 817-7905-5438. Then you must collect evidence. Take clear, timestamped photos and videos of the damaged scooter, the scene, the road, and any other vehicles, including license plates and driver details. Without scene evidence, Full or VIP claims can be denied, and you pay the full repair. Cinchy's help guide lists support steps after a problem.

For VIP theft, add three requirements: return every physical key issued, notify Cinchy within 6 hours of discovering the loss, and file a joint police report (Laporan Polisi) with a Cinchy representative. If any step is skipped, theft cover is denied and the renter can be charged the full market value.

Which Plan Matches Which Rider?

Use risk and budget, not the name of the plan.

Pick Basic if you are an experienced rider on a short, careful trip, and you could comfortably pay IDR 2,000,000 or more tomorrow. Pick Full if you want predictable repair costs, which suits most travelers, first-time riders, and anyone on a Comfort scooter, since its parts cost about double those on Compact models. Pick VIP if the scooter will be parked in public places or outside accommodation overnight, or if you are staying for weeks. Cinchy's guide on scooter theft in Bali offers prevention habits for any plan.

A note on wording: some older Cinchy articles describe theft as part of the Full plan, while Cinchy's current terms limit the Mandatory Theft Protocol to VIP. Read the plan text on the booking page before you pay, because you cannot add protection after something happens.

Read Before You Click

Treat the checkout screen like a short insurance policy. Check the premium, the deductible, what is covered, what is excluded, and what you must do after an incident. Then choose the plan that keeps your worst-case bill at a level you can handle. A few minutes of reading can save millions of rupiah.

Ready to compare scooter types and choose the plan that fits your trip? Explore Cinchy scooter rental.