ENG
English
Bahasa Indonesia
8 Mins read
Copied!
Daily motorcyclists face greater risk every day on the highway. This article discusses why motorcycle insurance is not only a complement, but the essential needs for financial protection and long -term security.
For millions of Indonesian people, motorbikes are the backbone of daily mobility - from taking school children to going to work. However, the more often you are on the road, the greater the chance of accidents, damage, or theft.
According to the Polri Traffic Corps data published by UC Auction, two-wheeled vehicles were involved in more than 70 percent of traffic accidents in 2022, with a total of 137,851 cases - rising from 103,645 cases in 2021 and 100,028 cases in 2020.
This figure confirms that daily motorcycle users face significant risk every time you start the engine. In these conditions, having motorcycle insurance is not just additional protection, but an important component of your financial planning and security.
After understanding how great the risks faced by daily motorists are, let us examine further various main benefits offered by motor insurance, both in terms of financial protection and peace of mind.
After understanding how high the risk on the highway is for daily motorists, the next logical step is to know how motorcycle insurance provides benefits of protection in real life.
A small accident can occur even when you feel you have rode safely. Motorcycles fall, nudged by other vehicles, or collide during parking can cause damage that requires the cost of repairing millions of rupiah. With active motorcycle insurance, most of these costs can be borne by the insurance provider - so you don't need to interfere with the daily budget.
After the risk of physical damage, the threat that is no less serious is the loss of vehicles due to theft. That is why this second benefit is very important.
Motorcycle theft is one of the most common cases of street crime in Indonesia. Even with double security, the risk remains, especially in a dense residential area or public parking without supervision. Motorcycle insurance with the benefits of total loss will replace the motor value according to coverage if the vehicle is not found.
However, the risk on the road does not only come from damage or theft. Many unexpected events such as natural disasters or collisions involving other parties can also have a big impact.
Some motorcycle insurance products allow the expansion of protection against floods, landslides, or even earthquakes. In addition, the protection of legal responsibility against third parties (TPL) provides compensation if you accidentally cause physical or material losses to others when driving.
Benefits like this are very relevant for daily motorists who often cross prone or areas with high traffic density. And this benefit does not stop there - there are aspects that directly touch your daily financial life.
For many people, motorbikes are the main tools for working - both as a motorcycle taxi, courier, to traveling traders. If the motor is damaged and cannot be used, the source of income is stopped. By having insurance, you can immediately repair vehicles without the need to sacrifice other basic needs.
Above all financial benefits, there is one benefit that often escapes attention, but rather the most emotionally felt.
Nothing can guarantee 100% of your trip will always be safe. However, with the right insurance protection, you drive with peace. You know that when the risk occurs, you will not face everything alone. Insurance becomes a supporting system that works secretly but effectively.
After understanding the benefits in terms of protection, you might be wondering: how much does it cost? Let's discuss the types of protection offered by Oona and the estimated premium.
Before buying motorcycle insurance, one of the most common questions is:
"How much premium and what kind of protection do I get?"
Oona provides a type of Total Loss Only protection (TLO) - which means you will receive compensation if it occurs:
Loss of motorbike due to theft
Major damage above 75% of the motor value
The following is a premium estimation simulation based on vehicle value:
Type of Coverage |
Example Motorcycle Value |
Estimated Annual Premium |
Main Benefits |
|---|---|---|---|
TLO (Total Loss Only) |
IDR 18 million – IDR 30 million |
IDR 120,000 – IDR 250,000 |
Compensation for total loss due to theft or damage >75% |
Notes: The above premiums are estimated and can differ depending on the area of use, the age of the vehicle, and the driver's profile. To get an actual price, visit myoona.id site
To help you compare concrete value from TLO protection, the following comparison of the impact if you have or do not have motorcycle insurance.
Still doubt whether motorcycle insurance is really necessary? The table below shows a real difference between motorists protected by Oona and those who do not have motor insurance at all.
Common Situation |
Without Motorcycle Insurance |
With Oona TLO Insurance |
|---|---|---|
Motorcycle stolen while parked |
Must bear the full loss—IDR 20–30 million |
Eligible for reimbursement up to 100% of insured value |
Severe accident, damage >75% |
Extremely high repair costs or motorcycle deemed unusable |
Fully covered up to the insured amount |
Minor scratches from a bump |
Must pay out-of-pocket for repairs |
Not covered (outside TLO scope) |
Partial minor collision |
Repair costs must be paid personally |
Not covered, only total damage is covered |
With this illustration, it is clear that even basic protection can provide great benefits in unexpected conditions. Let's conclude the important points of this article.
As a daily motorcyclist, you not only face traffic jams and bad weather, but also real risks such as vehicle loss and heavy damage due to accidents. Without protection, one incident can cause large financial losses and interfere with your daily activities.
With Oona Motor Insurance, you get essential protection from the two biggest risks, it loses completely and severe damage. Very affordable premiums - even cheaper than annual routine services - making this protection a smart solution, especially for those of you who rely on motorcycles as the main tool of mobility.
