Do I need off-road motorbike insurance?
Riding off-road is exhilarating, but it comes with unique risks. Off-road motorbike insurance ensures you’re protected against unexpected costs, allowing you to focus on the thrill of the ride.
Key Takeaways
Off-road motorbike insurance provides specialised coverage for bikes used on non-paved surfaces
It’s an essential way to manage financial risks during off-road adventures, giving you peace of mind so you can enjoy your ride
When you take out cover, consider the different options you’ll have regarding policy types and always compare prices to get the best deal possible
What is off-road motorbike insurance?
Off-road motorbike insurance is designed specifically for bikes used on dirt tracks, mountains, and other non-paved terrains. Unlike standard bike insurance, which focuses on on-road risks, this type of cover addresses the challenges of rugged environments.
This includes things like repairs and replacements in the event of physical damage to your bike, as well as liability coverage if you cause injury or property damage while riding. Many policies also include optional add-ons for accessories or event-specific risks.
What should I consider when choosing off-road motorbike insurance?
When taking out off-road motorbike insurance, here’s what to keep in mind:
Coverage options and limits
Make sure the policy covers key essentials like accidents, theft, and off-road-specific risks. Check for optional extras like personal injury coverage or protection for your bike’s accessories.
Choosing a reputable insurer
Choose an insurer known for reliable and fair claim handling. Look for reviews from other off-road enthusiasts to ensure you’re in good hands.
Comparing prices and terms
Shop around to find the best value for money. Compare quotes, but also pay attention to exclusions and policy terms to avoid surprises later.
Do I need off-road motorbike insurance?
Riding your motorbike on any public road means you must have insurance, even if only for a short journey. And even if you use your bike mainly off-road, you’ll still need at least third-party cover to get to and from your destination - as well as a valid driving licence, MOT and tax.
Many surfaces you might think are off-road, like green roads, unclassified country roads and byways open to all traffic are still defined as roads, legally speaking - so you’ll need insurance for these.
You won’t need insurance if you only use your bike on private land or on land where you have permission to ride from the landowner, or if you’ve declared your bike off-road with a SORN. Just bear in mind you’ll have to cover the cost of any damage you cause to your bike or someone else’s property.
How does off-road motorbike insurance work?
Off-road motorbike insurance offers valuable protection for both rider and bike. It works just the same as any other type of motor insurance - you take out cover and make a claim in the event of a theft, damage or an accident.
You’ll normally have to pay an excess fee when you claim, which is essentially the amount you pay towards the value of the claim before your insurer picks up the rest of the bill.
What does off-road motorbike insurance cover?
Off-road motorcycle insurance offers varying levels of cover depending on the type of policy you take out:
Third-party
This only covers injuries or damage you cause to another person or their property. It won’t protect you or your bike in the event of theft or damage.
This includes third-party cover as well as adding protection for your own bike against fire damage or theft.
Fully comprehensive
Fully comprehensive insurance will offer complete cover for you and your motorbike, including liability, damage and medical costs.
You can also take out a number of optional extras, such as legal assistance and public liability costs, personal injury cover, accidental damage cover, breakdown cover and in-transit cover.
