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Dirt Bike Insurance

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Dirt Bike Insurance


Whether you own a motocross bike or a trail bike, having a good insurance policy can be the peace of mind you need to use your off road bike without fear of being left out of pocket should something go wrong. A popular and exciting sport that is increasingly being enjoyed by people of all ages and skill levels, insurers are increasingly open to offering insurance for dirt bikers where in the past many may have been hesitant.

Do you need insurance for a dirt bike

If you use your dirt bike on private land only, like a farm or personal race track then it is not a legal requirement for you to take out motorbike insurance. If you are planning on taking your bike onto a public road however, you’ll need at least a basic third party policy to legally ride beyond private property. This type of insurance will cover you for damages to other people’s property or injury to others if you are involved in an accident. You can also consider add-on coverage in addition to your standard insurance coverage.

Some insurers will let you add as many bikes as you would like to a single policy. This can include extra bikes such as track bikes and road legal SORN.

Off-road motorbike insurance

An off-road bike insurance policy is essentially another way off saying dirt bike insurance. It is designed for motocross bikes such as dirt bikes, scramblers and various other bike types of a similar nature. It will offer the same coverage as a dirt bike insurance policy and will cover any damage to your bike as well as personal injury and any third party damages. If you opt for a basic coverage option then you will only be insured for injury and damages you cause to third parties.

Not having dirt bike insurance can be a big headache should you end up needing it so it pays to look into your coverage options.

How much is insurance for a dirt bike

Costs of dirt bike insurance policies will vary depending on various factors such as your age, claims history, and discounts that may be on offer from the insurer. Whilst many may assume dirt bikes are more expensive to insure due to the risk of injury, they actually tend to be slightly cheaper to insure than motorcycles. This is because although the chances of personal injury are greater riding a dirt bike, riding a motorcycle on public roads increases the chances of you causing a third party accident.

Getting cheaper dirt bike insurance

You can easily find cheaper dirt bike insurance by comparing as many quotes as possible from differing insurers. This can be done on comparison sites like Quotezone. Our large panel of UK based insurers means you can compare multiple quotes from different insurers in minutes of entering your bikes details.

There are also some practical steps you can take to make sure you save as much as you can on your dirt bike insurance.

  • Look for ‘limited mileage cover’ – This is due to dirt bikes not typically having a large mileage count
  • Compare multiple insurance quotes
  • Keep your bike secured in a secure lock up, preferably in a garage

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