Dirt bike insurance

What is off road motorbike insurance?

Off-road motorbike insurance is a specialist policy that protects dirt bikes, motocross bikes, trail bikes, and enduro bikes against theft and damage.

Exactly what is covered depends on the level of cover you choose. But in short, off-road motorbike insurance covers damage to others, their bikes and their property.

Enhanced policies could also offer cover for theft, fire and damage to your own motorbike.

Can I save money by comparing quotes?

Yes you can.

Comparing dirt bike insurance quotes takes just a few minutes, and we compare dozens of insurance providers for you. It’s the quickest and easiest way to cut your bike insurance costs.

Even if your dirt bike insurance renewal price is the same or even lower than the previous year, it’s still worth shopping around.

If you’re looking to save more money on your off-road motorbike insurance policy, you could:

• Increase your voluntary excess. Offering to put up more money in the event of a claim could reduce your insurance costs.
• Upgrade your motorbike’s security to ensure your bike is less of a target for thieves.
• Consider advanced motorcycle training as off-roading comes with added risk. Proving that you’re a safe rider could lower your costs.

What's the difference between on road and off road motorbike insurance?

On the whole, standard motorbike insurance and off-road motorbike insurance offer the same degree of cover. The main difference between them is around where this cover is valid:

Standard motorbike insurance is entirely for ordinary road use

Off-road motorbike insurance covers you for any mishaps on the track

Off-road motorbike insurance policies might also offer extras designed for the way you use your bike, including:

• Limited mileage cover could be suitable because motocross bikers tend to cover fewer miles than traditional bikers. A limited mileage policy could reflect this, helping to reduce your motocross insurance costs.
• Motorcycle breakdown cover is a common option with off-road policies, as dirt bikes tend to take more of a beating than road bikes. Breakdown cover could help get your bike back on the road when you've pushed it too hard.
• Accidental damage & personal injury cover don’t usually come as standard on most motorbike insurance policies. They also generally come with higher costs. But they could be particularly beneficial to off-road bikers, who tend to take more risks with both their bike and themselves.

What do I need to get a dirt bike insurance quote?

To get an off-road motorbike quote, we just need a few details about you and your motorbike. Then in a few minutes you’ll be able to compare quotes from a range of providers.

Motorbike details

• Your motorcycle registration. If you don’t have that, the make, model and year of manufacture should do.
• Your motorbike’s estimated value.
• The date you bought the bike. You can still get a quote for a motorbike you haven’t bought, so long as you have the other details.
• Where you keep the motorbike when not in use.
• What security measures you’ve taken to secure the bike.
• Any modifications you’ve made to the motorbike.

• The category of your motorbike licence and how long you’ve had it.
• How you plan on using your bike, also known as its class of use.
• Any convictions or claims you’ve had in the last five years.
• How many miles you expect to ride in a year. This doesn’t have to be exact.
• Details of any other riders who will be using your bike.
• Any optional extras such as pillion cover, personal accident or breakdown cover.