Scooter rental in Bali with insurance included.
Yes — every Overrun rental in Bali includes insurance on the bike. "Included" means no add-on fee at checkout and nothing to opt into: the policy sits on the bike as you ride it. What it covers is the bike — damage and theft — subject to a capped excess, and knowing exactly where that line falls is the point of this page.
The excess (your maximum liability towards a covered claim) is IDR 500,000 on the NMAX 155 and ADV 160, IDR 1,000,000 on the XMAX 250 and X-ADV 750, and IDR 1,000,000 for theft on any unit. Nothing is held up front — no deposit, no card pre-authorisation — so the excess is a ceiling, not a cash exchange.
And the honest half: bike insurance does not cover you. Your medical costs, your injury, your phone — that is your own travel insurance's job, and it comes with licence conditions of its own. The guide to that is linked below; this page is about what the rental itself brings.
01 / At a glance
The details.
Fact sheet
02 /
What included insurance actually means
It covers the bike, not you. If the bike is damaged or stolen, the insurance pays for it — you're responsible for the excess, which is the most you'd ever pay towards a covered claim. There is no cash or card deposit held against you; the excess is only charged if there is actual damage, and pre-existing scuffs documented at handover are never counted against you.
What the bike's insurance does not cover: your medical costs, injury, lost belongings, or anything about your trip beyond the bike itself. And cover depends on the bike being ridden lawfully by the named rider — riding under the influence, without a valid licence for the class, off-road, or off Bali without telling us falls outside the policy.
03 /
The excess, per class
Two damage tiers, one theft figure: IDR 500,000 on the core fleet (NMAX 155, ADV 160), IDR 1,000,000 on the halo units (XMAX 250, X-ADV 750), and IDR 1,000,000 for theft on every bike. If a repair costs less than the excess, you pay the repair, not the cap. Your confirmation and each bike's page state the figure that applies to your booking.
04 /
Who includes insurance — and who sells it (checked 25 September 2026)
"Insurance included" is one of the most-used phrases in Bali scooter rental, and operators mean different things by it. We read the public pages of three deposit-free operators we rate and recorded what each actually publishes, with source URLs, as accessed on 25 September 2026. This is a factual comparison, not an attack — check their pages, because terms change.
| Operator | Insurance included? | Your maximum liability | Source (accessed 25 Sep 2026) |
|---|---|---|---|
| Overrun Moto | Yes — on every rental; nothing added at checkout | Excess IDR 500K damage (NMAX/ADV), IDR 1M damage (XMAX 250 / X-ADV 750), IDR 1M theft, all bikes | overrunmoto.com/faq · overrunmoto.com/terms |
| Bikago | Comprehensive insurance is an add-on at checkout | Damage liability "capped at a fixed excess" — figure not published on their Bali page | bikago.com/bali/ |
| EasyBike | Yes — listed as included with the rental | 500K IDR deductible for vehicle damage; 1M IDR for theft | easybikebali.com |
| Vroam | Their damage cover is an optional "Damage Protection" add-on | With the add-on: capped IDR 500K per incident. Without it: repairs billed at market price | ridevroam.com/no-deposit-bike-rental-bali |
Each operator's own published copy, accessed 25 September 2026; where a figure isn't on the cited page we say so rather than guess. Before you book anywhere, ask the two questions that separate the claims: is insurance included or added at checkout, and what exactly is my maximum liability?
05 /
The insurance that isn't included — yours
No rental operator insures your body. Nearly every travel insurance policy attaches conditions to motorcycle riding: a valid motorcycle licence from home, an IDP, a helmet on, no alcohol — and some cap engine size, which matters on the 250cc XMAX and is decisive on the 745cc X-ADV 750. Miss one condition and many insurers can decline a scooter-accident claim entirely. Check your policy's motorcycle clause before you fly, and read our travel-insurance guide below for what to look for.
Ready when
you are.
Pick your dates and a bike arrives with two helmets, a phone mount, and a full tank. No deposit, no collection trip — book online, or send us your address on WhatsApp.
General guidance only — not legal advice. Confirm current requirements with a local adviser or the relevant Indonesian authority.
Related on Overrun