Key takeaways
- Off road use: Dirt bikes used only off public roads usually do not require state mandated insurance since they are not registered for road use.
- Liability coverage: If you ride on public property or organized events, liability insurance can cover damage or injury to others.
- Collision and comprehensive: These can cover damage to your dirt bike from crashes or theft, although availability and pricing can differ from standard motorcycle policies.
- Specialty policies: Some insurers offer cover specifically for off road riding, including events and trail use.
Liability for dirt bikes
In many areas, dirt bikes used only on private land or trails are not legally required to be insured. However, once you ride in certain situations, insurance becomes important.
- On road use: If your dirt bike is street legal and used on public roads, it is treated like a motorcycle and requires insurance.
- Riding in events: Organized races or trail events may require proof of liability cover before you can participate.
- Third party injuries: Even off road, if you injure someone, you could still be held responsible for their medical costs.
It is always worth checking your local laws, as rules for dirt bikes can vary depending on where you ride.
Collision and comprehensive for dirt bikes
- Crash damage: Collision cover helps pay for repairs if you crash. Off road riding often involves falls or hitting obstacles, so this can be useful if you want to protect your bike.
- Theft and damage: Comprehensive cover protects against theft or damage when the bike is not being ridden.
- Event specific cover: Some insurers offer policies tailored for races or trail riding, covering specific risks during those activities.
Typical coverage differences
Dirt bike insurance is often cheaper than standard motorcycle insurance because the overall risk profile is different.
- Lower top speeds and smaller engine sizes reduce the likelihood of severe accidents.
- These bikes are usually not used for daily commuting on busy roads.
- Riders often accept a higher level of personal risk when riding off road.
That said, even a moderate speed fall can result in injuries or damage, so having some level of cover is still worth considering.
Example scenario
- You are riding at a trail park and collide with another rider. Liability insurance could help cover their medical costs. Without it, you may need to pay those expenses yourself.
- You store your dirt bike in a shed and it is stolen. Comprehensive cover could reimburse you for the value of the bike.
Obtaining dirt bike insurance
- Specialised riders: Clubs and large riding parks often recommend or require insurance.
- Policy options: Look for ATV or off road vehicle policies that include liability and damage cover.
- Bundling: Some insurers allow you to add dirt bike cover to an existing home or auto policy.
Even if it is not legally required where you ride, having insurance on your dirt bike can save you from unexpected costs. If you ride regularly or in shared spaces, it is a practical way to protect both your bike and yourself.