
What does off-road motorbike insurance cover?
Motorbike insurance covers your dirt bike against theft. If you have fully comprehensive cover, it'll also pay out if your bike is damaged in a road accident.
Off-road insurance is an add-on that extends your insurance to cover you for any accidents you have off-road too.
It'll normally help you cover the costs of:
- Damage you do to other riders, their motorcycles and their property while offroading
- Damage your own motorbike suffers while offroading
Some off-road insurance policies also offer extras you can bolt-on to your policy to make sure it covers everything you need it to.
These include:
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Limited mileage cover, as off-road bikers tend to cover fewer miles than traditional bikers. A limited mileage policy reflects this, reducing your insurance costs.
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Motorbike breakdown cover could help get your motorbike back on the road after an on or off-road accident.
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Accidental damage & personal accident cover could be particularly beneficial to off-road bikers, who tend to take more risks with both their motorbike and themselves
Levels of motorbike insurance
When driving on the road, there are 3 main levels of cover when it comes to motorbike insurance:
- Third party only
- Third party, fire and theft
- Fully comprehensive
What do I need to get an off road insurance quote?
To get started, we'll need to know a few things about your bike like:
- Your motorcycle registration (or its make, model and year of manufacture)
- Your bike’s value
- The date you bought the bike (though you can still get a quote for a bike you haven’t bought yet)
- Where you keep your motorbike when not in use
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What security measures you've taken to secure it
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About any modifications you’ve made to your motorbike, as these can affect your insurance costs
We’ll also need some details about you like:
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The category of your motorbike licence and how long you’ve had it
- How you plan on using your motorbike, also known as its class of use
- Any convictions or claims you’ve had in the last 5 years
- How many miles you expect to ride in a year
- Details of any other riders who use your motorbike
- Any optional extras you want such as pillion cover, personal accident or breakdown cover
Types of bike insurance
Motorbike insurance
can offer you protection on the road. Whether your ride is a scooter, a classic, a superbike or something else, we can help you find your next policy.
Scooter and moped insurance
Cover for bikes with small engines, commonly associated with first-time bike users.
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