Is it Worth Insuring a Dirt Bike?

Dirt bikes are a lot of fun and allow you to do so much more as there’s no traffic to spoil it, cops to get in trouble with or any road rules you need to follow. These high-performance machines are geared towards fun with knobby tires, a suspension good enough to jump with and an edge that loves to ride hard.

For the most part, dirt bikes are meant for, well dirt, and they don’t usually come with road-legal equipment such as headlights, indicators and mirrors. Of course, there are endurance options that still provide the perfect off-road machine but can be used to ride home as well.

When it comes to insurance, you’ll need to consider a few things before you start looking at options. Firstly, the state you live in as some make it mandatory for all dirt bikes to have insurance. This is to cover you as the rider, your bike and any property you might damage in case of an accident.

Secondly, you’ll need to carefully consider what the bike’s purpose would be. If you’re planning to ride the bike from home to off-road trails or a track your insurance needs would be geared more towards regular motorcycle insurance. However, if you’re planning to load the bike on a trailer and never ride on the road, you won’t just save a lot on insurance, but you’ll also save on licensing fees.

Types of Insurance

There are various types of insurance to choose from, which once again depends on the way you answered the questions above.

Comprehensive and Theft insurance is about the most basic you get, but the least everyone should take. It covers everything from vandalism through to it being stolen, which is all you need if you’re only going to ride off-road. Since full off-road MX bikes don’t require keys, having theft protection is a must, no matter where you are!

Collision coverage is another excellent choice for dirt bike riders as it covers you when the bike gets damaged when you fall. It also provides protection for those who have enduro bikes that are road legal. Of course, this would cost a lot more as the chances of damage are high with dirt bikes.

Property damage insurance is a great idea if you ride alongside farms and other houses where there might be occasional traffic on the dirt roads. It covers you for third-party damage, meaning anything you accidentally ride into and fall onto will be covered as well.

Roadside assistance is usually an optional extra and only useable for those who ride in areas where cars can get. If you’re always close to a road, it’s still a good option as this allow you to get help when you bike breaks down, or you injure yourself in a way that you can’t ride to get back to your car or home. It’s also a must for those using bikes on the road.

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