Do I need off-road motorbike insurance?

Key takeaways

• Off-road motorbike insurance provides specialised cover 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 motorbike 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 cover if you cause injury or property damage while riding. Many policies also include optional add-ons for accessories or event-specific risks.

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 Statutory Off Road Notification (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.

Did you know?

There are about 6,000 miles of ‘green lanes’ or ‘green roads’ in England and Wales, according to the Green Road Map.

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 insurance provider picks up the rest of the bill.

What should I consider when choosing off-road motorbike insurance?

When taking out off-road motorbike insurance, here’s what to keep in mind:

• Cover options and limits: Make sure the policy covers essentials like accidents, theft, and off-road-specific risks. Check for optional extras like personal injury cover or protection for your bike’s accessories

• Choosing a reputable insurer: Choose an insurance provider 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

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 only: 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

• Third-party, fire and theft: 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

What add-ons can I get with off-road motorbike insurance?

You can take out a number of optional extras with off-road bikes insurance, such as:

• Legal assistance and public liability costs

• Personal accident cover

• Accidental damage cover

• Breakdown cover

• In-transit cover

Am I covered for motocross events with off-road motorbike insurance?

No, you won’t usually be covered to use your motocross bike at events as standard but you may be able to attend on cover or take out motocross insurance.

How can I cut the cost of off-road motorbike insurance?

• Improve your motorbike’s security: Keep it in a locked garage and fit an alarm

• Reduce your motorbike’s mileage: Insurance providers usually associated lower mileage with less risk

• Pay annually: Covering the entire cost of your annual motorbike insurance policy up front is cheaper than spreading it over 12 monthly instalments

• Compare motorbike insurance quotes: Shop around for the best deal for your circumstances

How do I make a claim on my off-road motorbike insurance?

Like making a claim on your car insurance, you’ll need to:

• Contact your insurer as soon as possible after the incident

• Gather evidence

• Fill in your insurer’s claims form

Do I need to register my off-road motorbike with the DVLA?

No, if you’re not riding your off-road motorbike on a public road you technically don’t need to register it with the DVLA. However, it’s a good idea to get it added to the DVLA’s off-road register in case your bike gets stolen.

If you will be using your off-road motorbike on public roads you may need to convert your bike to make it road-legal - check with your bike manufacturer first. You’ll also need to register it with the DVLA, tax and insure it.