Insurance fine print can be intimidating, so here's the good news upfront: ours is genuinely simple. There's no dense policy document to decode — just what it covers, and a couple of habits that keep it valid.
What the Insurance Covers
Our insurance covers two things: theft and damage to the bike.
Theft is covered only within Bali — if a bike is taken off the island, that part of the coverage doesn't apply. There's one more condition attached to it — the key has to stay with you, explained below.
Damage to the bike is covered up to a set limit. If the cost of an incident goes beyond what's covered, the difference is handled the same way as any other damage — through your deposit, and a direct payment if needed (see below).
The One Condition That Matters for Theft: Keep the Key With You
Theft coverage comes down to one thing above everything else: the key has to stay with you. If the key was left in the bike, or the key is lost, the insurance doesn't apply to that incident. This isn't unusual — insurers everywhere treat "stolen with the key still in it" very differently from "stolen while the key was on the rider": keeping the key on you is what actually prevents theft, while leaving it in the bike is a risk you could have simply avoided.
Parking Somewhere Unfamiliar? Lock the Handlebars
If you're parking in an area you don't know well, or that doesn't feel fully secure, locking the handlebars is a required step, not an optional one. The exact steps depend on which type of bike you've got:
Bikes with a traditional key:
On most models, the steering lock is built into the same ignition switch — there's no separate mechanism:
- Turn the handlebars fully to one side until they stop.
- Turn the key to OFF, then push it in and keep turning it further, into the locked position.
- Remove the key — you'll feel or hear it click into place.
On some models, the steering lock is a separate mechanism just below the handlebar, apart from the ignition switch:
- Turn the handlebars fully to one side until they stop.
- Insert the key into the separate steering lock (usually on the fork, just below the handlebar).
- Turn it to the locked position — you'll feel or hear a click.
Not sure which one your bike has? Just ask us at pickup — we'll show you, it takes a second.
Bikes on the Smart Key system (no physical key):
- Turn off the engine and wait for the dashboard display to switch off completely.
- Turn the handlebars fully to one side until they stop — a small wiggle sometimes helps it seat into position.
- Turn the ignition knob itself (not a physical key — there isn't one) to the LOCK position. You'll feel it click into place.
- Keep the smart key fob on you — it doesn't need to touch the bike, it only needs to be nearby when you're ready to unlock it again.
Not sure which system your bike has? Just ask us at pickup — it takes a second to check.
It takes a few seconds and physically stops the front wheel from turning, which makes the bike very hard to ride or wheel away.
If the Cost Goes Beyond What Insurance Covers
Insurance has a limit. If the cost of an incident goes beyond what it covers, the remainder is handled the same way as any other damage: your deposit covers it first (see our deposit and damage guide), and if that's still not enough, the rest is a direct payment.
The Bottom Line
Keep the key on you, lock the handlebars whenever you're parking somewhere you're not 100% sure about, and the insurance does exactly what it's meant to. Two habits — that's genuinely the whole thing.
Want to know exactly how this applies to your dates or your specific bike? Ask us on WhatsApp or Telegram before you book — we'd rather explain it clearly upfront than leave you guessing.