Does Your Dirt Bike Need Insurance?

Riding a dirt bike is an enjoyable experience for many people. No matter how fascinating it is, as a dirt bike owner you should be safe and free from injuries during the journey. If you are wondering do your dirt bike need insurance, this article will guide you in finding the answer.

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What is a Dirt Bike Riding?

As the name suggests, dirt bike riding refers to off-roading on mud, rocks, and rough terrains. These types of bikes used particularly for adventure purposes. Amid the rising popularity of dirt people, many motorbike enthusiasts now want to enjoy the thrill of these dirt bikes. However, the question remains; do you need insurance for your dirt bike? Let us find out.

Do You Need Insurance for Your Dirt Bike in India?

You can legally ride a dirt bike both on and off-road; hence, it requires registration as well as insurance. Usually, people get confused that a dirt bike is an adventure bike and classified as an off-road vehicle, so they do not need insurance cover. However, this is not true. A dirt bike runs on rough terrains, bare ground, dirt & dust, etc. Moreover, as a responsible rider, you must insure it with the bike insurance.

What Is Covered Under Dirt Bike Insurance Plan?

In India, there is no specific insurance plan for dirt bikes. You can easily insure them with two-wheeler insurance (comprehensive bike insurance policy) that offers extensive coverage.

The significance of insuring your dirt bike is immense. In case of an accident, your insurer will offer financial assistance in repairing the damages sustained to your insured dirt bike. Here is a list of circumstances covered under bike insurance for your dirt or adventure bike-

  • It covers the damages sustained to the insured dirt bike due to a fall during off-roading or while riding on a trail.
  • It covers third-party liabilities in case of an accident.
  • It offers coverage if the insured dirt bike is stolen or damages sustained due to natural calamities or man-made disasters.

Cost of Insuring a Dirt Bike

The cost of insuring a dirt bike or an adventure bike depends on the price of the bike model. Other than this, it depends on the location of the registration, year of manufacturing, engine capacity, etc. However, you can easily calculate the bike insurance premium through the free online bike insurance calculator available at Policybazaar.com.

Final Words

Now it is clear that a dirt bike is a type of off-roading motor vehicle that needs to register and insure. However, you must check the policy inclusions and exclusions before buying a bike insurance plan for your dirt bike.

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis