Compare dirt bike insurance
Twist the throttle without worrying about the consequences and truly enjoy your time away from civilisation.
Key takeaways
- Dirt bikes can be covered under standard motorcycle insurance policies OR special coverage purely for off-road bikes.
- Getting a more comp insurance could help if your bike gets stolen or randomly sets on fire.
- Some policies cover your gear if it gets damaged or can put you up in emergency accomodation.
How do I cover my dirt bike?
Dirt bikes are often covered under standard motorcycle insurance policies, although some insurers offer specialised off-road bike coverage. Policies generally include comprehensive, third party fire and theft, or third party property damage cover. While some companies provide dedicated dirt bike insurance similar to comprehensive cover, options vary between providers. Most standard motorcycle policies will cover bikes designed for off-road use, as specified by the manufacturer.
Comprehensive cover offers the broadest protection, insuring against injuries, collisions, fire damage, and even total loss from events like bushfires. It can cover medical treatment, bike repairs, or replacement in case of significant damage.
If comprehensive cover isn’t required, you can opt for third party policies. Third party fire and theft covers theft or fire damage to your bike, along with liability for damage to others’ property. Third party property damage is more limited, covering only damage to others’ property, not your bike or personal injuries.
What does each dirt bike insurance type cover?
To help compare the types of insurance available, we’ve made a table to help you figure out what is and isn’t typically covered by each.
| Feature | Comprehensive | Third party fire and theft | Third party property damage |
|---|---|---|---|
Damage to someone else’s property | |||
Accidental damage | |||
Malicious damage | |||
Fire damage | |||
Stolen or written off | |||
Damage to riding gear | |||
Weather damage (hail, storm, flood) | |||
Emergency travel and accommodation |
How do I find dirt bike scooter insurance?
Buying insurance can be a pain, especially if you only ride your dirt bike as a hobby. If you’re looking to keep your premiums down as low as possible, there are a number of things you can do.
- Figure out what kind of policy you need. Depending on what you’re going to be using your bike for, you may not require the more expensive policies with all the bells and whistles. If you aren’t going to be using it for anything too dangerous or only in a safe, controlled environment, you might not need comprehensive.
- Buy the right bike. The smaller the engine, the less expensive cover will be. If you don’t need a 750cc roaring chrome monster for your excursions, consider getting one that’s a little bit smaller. In addition, the less exotic of a model your bike is, the cheaper coverage will be since they’re easier to replace.
- Store your bike safely. If you can prove that your dirt bike will be stored in a secure garage or annexe, insurers will offer you a better deal since theft won’t be such an issue.
- Drive sensibly. The fewer accidents you have on your driving record, the less you’ll be charged for insurance.
- Re-check your policy regularly. As your bike ages or your circumstances change, the premium you’re paying may be too high. Don’t keep forking out the same high rate if it no longer applies.
- Pay premiums annually. By making your payments each year instead of every month or week, most insurers will lower the overall amount you pay.
- Look for discounts. There are plenty of ways to knock 10% or 20% off the price of your premiums simply by looking around online or investigating perks like loyalty bonuses or no-claim bonuses for particular companies.
Which companies offer insurance for dirt bikes?
As part of standard motorcycle insurance
Special dirt bike policies
- National Motorcycle Insurance
- Real Insurance/Famous Insurance
Get insurance for your dirt bike
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