When taking out insurance for your motorbike, it is unlikely (although not impossible) that your policy will include off road usage. This is because there is a higher chance that you will sustain an injury or damage property when you participate in off road biking. The assumption is that you will be more likely to make a claim, so it is highly likely that you will have to take out a specialist off road policy which covers the undertaking of a variety of activities on the following motorcycles…
- …trials
- …motocross
- …endurance
- …quads
- …scramblers
- …buggies
- …dirt bikes
Such specialist policies will cover use of the vehicle at home, at a professionally organised racetrack or practice ground whilst in transit. It also includes children’s models.
It may well be possible to get your insurer to extend your motorbike insurance to cover off road usage. However, if this is not the case, you will have to seek off road cover with a specialist motorcycle insurance broker, an intermediary or a direct provider. Alternatively, it is worth having a look around some owners clubs and off road organisations. These tend to have links / partnerships with insurance companies or brokers to offer discounted insurance to its members.
As with all insurance policies, it’s really worth having a shop around for your off road motorbike policy. Obviously the details of the policy and what it covers are the most important aspects. However, there are deals to be had, and money to be saved, so start your search online and see what discounts are available! Off road motorbike insurance, when creating your policy, take into account aspects such as the level of mileage, as well as any modifications that have been made to your motorbike.
*All information displayed in this table is subject to change. Please consult individual insurers for terms and conditions.
