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Off Road Motorbike Insurance

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If you're a fan of off-road biking, you'll need a good insurance policy. Off-road motorbike insurance is a specific type of policy that is intended to insure motorcyclists against the risks commonly associated with off-road motorbike use.

Off-road motorbikes are designed for very specific terrain, and as such are often more powerful than many other types of bike. They frequently suffer significantly more wear and tear than other vehicles.

Off-road motorbike insurance is required for a number of different vehicles depending on their use; the following are some examples of vehicles that may require off-road motorbike insurance:


  • Quad bikes
  • Buggies
  • Scramblers
  • Dirt bikes 
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From an insurer’s point of view, a motocyclist who frequently takes part in off-road pursuits, such trial and races, will present a higher degree of risk than a road driver. In order to address this risk, insurers will charge higher premiums for off-road motorbike insurance. 

In order to lower the cost of these premiums, you need to demonstrate to the insurer that you'll take all necessary steps to reduce the chances of damage or injury, such as: 

  • Maintaining a no-claims records without any licence penalties or convictions
  • Storing the vehicle in a safe environment with adequate security

If you are searching for a policy that offers cover for your off-road motorbike, you can compare insurance quotes from different providers by looking at the table above.