Many insurance companies give coverage for dirt bikes as part of a motorbike insurance policy. However, because a dirt bike is not the same as a motorcycle, you may require an insurance tailored to your specific riding environment. What you’ll need will differ from one state to the next. Find out what local laws exist by contacting your state’s motor vehicle agency.
When Insurance is Needed
A dirt bike must be registered in many states. A dirt bike is classified a utility vehicle in some areas, such as North Carolina, and hence cannot be registered. However, if you have a dirt bike that is designed to be used for both off-road and highway riding, it will be classified as a motorcycle and will need to be registered as well as have the required liability insurance.
Any off-road utility vehicle has the potential to be hazardous. They have a higher risk of causing harm to the bike and injuring the rider than a motorcycle. While unregistered vehicle insurance isn’t required, it’s a good idea to get some coverage to protect yourself in the event of a collision.
If you have insurance, you may be covered in the event of a theft. Many people believe that their homeowner’s or renter’s insurance will cover their bike if it is stolen or destroyed in a fire. Unfortunately, these policies do not cover theft or damage to a dirt bike, necessitating the purchase of a separate policy.
Types of Coverage
The cost of dirt bike insurance is the same as the cost of auto insurance. The same coverages are offered, but at a reduced price. As a result, obtaining a Liability coverage that covers both bodily injury and property damage is relatively reasonable. Keep in mind that liability coverage exists to assist the other party in the event that you are involved in an accident. It does not cover any injuries or damages you or your bike may sustain. Optional benefits are available that cover these issues.
Bodily Injury This coverage pays for the medical expenditures of the other rider involved in the collision, up to the policy limitations. Liability coverage, like a car policy, includes bodily injury.
Property Damage. -This coverage, which is also included in Liability coverage, pays for any damage to the other rider’s property in the event of an accident, up to the policy limitations. There may not be any property damage while riding off the road, but if you disturb someone’s land, private road, or crop, you could be held accountable.
Medical Payments Medical Payments is an optional plan that pays for your medical expenditures or those of any passengers. Keep in mind that your health insurance policy may not cover medical expenses incurred while participating in dangerous activities. As a result, this advantage is highly suggested.
Collision and comprehensive insurance will cover you if you collide with an item or ride through tough terrain and damage your bike. Fire and theft are examples of risks covered by comprehensive insurance. Remember that if your bike is damaged in a fire or stolen from your garage, your homeowner’s insurance will not cover it.
Uninsured Driver. –
This form of coverage is critical because so many riders do not have insurance. It’s not required, but if an unskilled rider causes an accident with you, you’ll be financially harmed if the rider doesn’t have insurance.
Customization. If you have added any aftermarket equipment to your bike, a basic coverage may not cover you if it is damaged. Any modifications you’ve made to your bike will be covered under this policy.
– Motocross.
This is a specialized insurance policy for folks who race their dirt bikes. It isn’t required, and there aren’t any minimum liability limits like on a typical motorcycle coverage. If you filed a claim on a conventional policy following a racing incident, the claim would almost certainly be denied.
When looking for the cheapest insurance, consider the business that insures your homeowners, renters, or vehicle policy. Most insurers now provide discounts for combining plans. Many firms also provide discounts if a rider completes a safety course or has an anti-theft equipment professionally installed, such as a GPS locator. Because these reductions differ by insurer, it’s best to shop around for the best coverage at the best price.
Do I need insurance on my dirtbike?
Remember that if you plan to ride your dirt bike or ATV on publicly owned territory, you must have insurance, just like ordinary cars. A dirt bike is described as a two-wheeled motorized vehicle that is specifically designed for off-road use for insurance purposes.
Do you need insurance to ride a dirt bike off-road?
The short answer is that you do need insurance if you ride your off-road bike somewhere other than on private land. Even if you merely ride your dirt bike on public roads to go to a track or field, it’s a legal requirement that you obtain third-party liability insurance.
In reality, even riders who never ride on a public road might sometimes profit from an off-road motorcycle insurance policy. You’re fully responsible for the costs of any accident that damages your bike, someone else’s property, or causes harm if you don’t have insurance.
Does insurance cover stolen dirt bike?
Your homes insurance policy is unlikely to cover your dirt bike (neither is a motorcycle or ATV). If your dirt bike is destroyed or stolen while being housed within your home, garage, or shed on your property, it is unlikely to be insured.
Because dirt bikes are typically less expensive than motorcycles, some owners may opt to take a risk and not insurance their machines. This is a bad idea. Dirt bike insurance covers more than just damage to your bike or theft; it also includes liability coverage, which is often needed by law.
Do off-road motorcycles need insurance?
People who have never visited California may be shocked to learn certain facts about the Golden State. California, for example, has both the highest (Mount Whitney) and lowest (Death Valley) points in the United States. This is also where the largest county in terms of area is located (San Bernadino County). California also raises the most turkeys of any state in the union.
California is full of surprises, and the same can be said of the motorbike insurance available in the state. Here are five things you may not know about California motorcycle insurance.
1. When riding your motorcycle, you must have proof of insurance. When riding their motorcycles on California roads, motorcyclists must have evidence of insurance, much like passenger vehicle drivers. As a result, you must either have your wallet with your insurance card with you at all times when riding your motorcycle, or keep your card in a compartment on your bike. If you are pulled over without it, the police may issue you a ticket for failing to present proof of insurance.
2. Customized motorcycles are not covered by motorcycle insurance. If your motorcycle is in good condition, “They are normally not covered under a basic motorcycle insurance policy if they are “tricked out” with customized equipment or special parts. This could also include any aftermarket parts you use. You can, however, get coverage for customized motorcycles, just as you do for historic cars. For additional information on this unique coverage, contact your insurance agent.
3. You are not required by law to have dirt bike insurance. According to California law, “Off-highway vehicles, such as dirt motorcycles, are exempt from state insurance requirements. (Of course, this also means that riding a dirt bike on public roads is illegal.) Even though it isn’t required by law, you should think about insuring yourself and your bike.
Even though it isn’t required by law, you should think about insuring yourself and your bike.
4. A greater deductible can help you save money on your insurance premiums. You must have minimum insurance coverage amounts of $15,000 for single-person bodily injury, $30,000 for all bodily injuries in a single incident, and $5,000 for property damage, just as you must with vehicles, but there is no minimum or maximum deductible needed by state law. If you want to save money on insurance, choose a greater deductible (such as $500, $1,000, or more) and your premiums will normally be lower.
5. There are several ways to save money on motorbike insurance. Successful completion of a qualifying motorcycle safety course, for example, can result in a discount of up to 5%. Installing an anti-theft gadget on your bike may also save you money. Finally, if you are over 55 years old or a full-time student with a B average, you may be eligible for further savings. For further information, contact your insurance representative.
Additional Information on California Motorcycle Insurance
Contact AIS Insurance today for more information on receiving the motorbike insurance that best meets your needs. They will do all possible to keep the process of obtaining coverage for your motorcycle free of surprises.
This information is provided solely for educational reasons and does not constitute a contract. A specific policy’s definitions, phrases, and coverages may change from those mentioned above, and that policy will be regulated by the wording included therein. There is no express or implied warranty or suitability for a specific purpose.
Can I insure a motocross bike?
You’ll need specialist off-road motorbike insurance if you want your off-road bike to be covered while it’s doing what it’s designed for. You have the option of using a specialized insurance provider or contacting a conventional insurance provider to see if they can give you with a customized coverage.
Can you ride a dirtbike on the road?
Many individuals believe there is no difference between dirt bikes and motorbikes. Any bike can be used on highways, tracks, or rugged terrain.
Riding bikes on various surfaces necessitates a variety of methods and mechanics.
Despite the fact that both dirt bikes and motorcycles are two-wheeled, there is a world of difference between riding in the dirt and riding on the streets.
Dirt bikes are built to ride on areas that aren’t easily paved, which means they’re frequently made of dirt, snow, gravel, or sand.
Can I insure my pit bike?
Pit Bike Policy Highlights Pit bike insurance coverage come with a variety of features, including: Option with agreed-upon value. To ride on the motorcycles of pals, you’ll need third-party insurance. A variety of customizations and adjustments are addressed.
Do you need a licence to ride a motorbike off-road?
Off-road vehicles aren’t meant to be played with. On private ground, however, you do not need a license to operate an off-road vehicle. If your child has access to an off-road vehicle, it’s critical that you teach them how to drive safely off-road. Your child should wear a helmet and thick, protective clothes when riding a quad or scrambler to keep safe.
You should also check with the landowner to see if they are allowed to drive the vehicle on their private property.
Can you ride a bike on common land?
The terms ‘green-laning,’ ‘off-road riding,’ and ‘trail riding’ are frequently used and can be confusing, but they all refer to riding on public, legal routes, of which there are currently two categories, as well as private land such as off-road parks. Here, we’re worried about the former, public types.
The first public kind is the Unclassified Road (or UCR), which are modest public roads that are designated white on Ordnance Survey maps and may be paved or unpaved. Typically, these are exactly what they sound like: reasonably level, car-width, low-demanding tracks that provide a soft introduction to loose surfaces for newcomers.
The second, and usually more difficult, form has been known as ‘Byways Open To All Traffic’ (or BOATs) since May 2006, and has a distinct marker on Ordnance Survey maps. These are the often narrower, unpaved paths that the phrase ‘Green Lane’ refers to. Riding on any other public right of way, such as a footpath, bridleway, or restricted byway (which admits horses and cyclists but not motor vehicles), or on any open or common ground, is severely prohibited. While BOATs may be used by motor vehicles, they are officially designated as being “primarily used by walkers, cyclists, and horse riders,” therefore those groups should be given due respect and regard.
Online maps of BOATs and UCRs are available, however we recommend contacting the Trail Riders Fellowship (TRF) for assistance and particular advice on which routes to take.
Does Geico cover dirt bikes?
Insurance for Motorcycles With GEICO, you’re in good hands. Sport bikes, cruisers, touring bikes, Enduros, scooters, dirt bikes, trikes, and certain custom bikes are among the motorbikes we insure.