Dirt bike insurance

Ride fearlessly into adventure knowing you’re protected with dirt bike insurance.

Striking out for the dirt tracks and sand dunes of the great Australian outback? Our rugged country is probably one of the best in the world to own a dirt bike given the vast amount of rough and wild land just outside your back door. But veering off the beaten track into the great outdoors comes with its own set of risks, from crashes in dangerous terrain to good old-fashioned theft in less-populated areas. With dirt bike insurance, you can twist the throttle without worrying about the consequences and truly enjoy your time away from civilisation.

Get insurance for your dirt bike

Details Features
Comprehensive Motorcycle Insurance
Comprehensive Motorcycle Insurance
Youi's total package for protection against damage to motorcycle and other people's property.
  • Accidental and intentional damage cover
  • Legal liability cover up to $20 million
  • Storm and flood cover
  • Lock and key replacement
  • 24/7 roadside assistance
Get Quote More info
Comprehensive Motorcycle Insurance
Comprehensive Motorcycle Insurance
Protects your motorcycle against loss or damage as a result of an accident, storms, flood, fire, theft, transit damage and third-party liability.
  • Accidental damage cover
  • $3,000 riding gear cover
  • $1,500 keys & locks cover
  • New for old replacement of your motorcycle
Get Quote More info
Third Party Fire & Theft Motorcycle Insurance
Third Party Fire & Theft Motorcycle Insurance
Protection against damage to others caused by your motorcycle with additional cover.
  • Fire, theft and earthquake damage cover
  • Legal liability cover up to $20 million
  • Lock and key replacement
Get Quote More info
Third party, Fire, Theft & Transit Motorcycle Insurance
Third party, Fire, Theft & Transit Motorcycle Insurance
Protects your motorcycle against storms, flood, fire, theft, transit damage and third-party liability.
  • Fire, theft, storm, flood and transit cover
  • $5,000 uninsured third party cover
  • New for old replacement of your motorcycle
  • $20 million third party liability cover
Get Quote More info
Third Party Property Only Motorcycle Insurance
Third Party Property Only Motorcycle Insurance
Protection against the cost of damage your motorcycle causes to third party property.
  • Legal liability cover up to $20 million
  • Immediate replacement motorcycle
  • Maritime liability cover up to $10,000
Get Quote More info
Third Party Liability Motorcycle Insurance
Third Party Liability Motorcycle Insurance
Protects cover for your legal liability to third parties only, and NOT for loss or damage to your motorcycle.
  • $20 million third party liability cover
Get Quote More info

How do I cover my dirt bike?

Dirt bikes can often be covered under standard motorcycle insurance policies, although some providers offer special coverage purely for off-road bikes. Like a normal motorcycle, coverage comes in two main forms: comprehensive, third party property damage and third party fire and theft. Note that while some companies do offer special dirt bike insurance that is usually similar to comprehensive cover, what is specifically offered varies between insurers. As long as your bike is intended to ride off-road (and the manufacturer specifies that) then you’ll probably find that a lot of normal motorcycle insurance policies will cover you.

Comprehensive cover will insure you against most of the mishaps you’ll encounter out in the wide world. It can pay for treatment for any injuries you might sustain while riding, get your bike repaired if it gets roughed up in a collision or even replace the entire thing if it gets swallowed by a flash bushfire. It’s designed to protect you from the widest set of things that could go wrong.

If you don’t want comprehensive, you can instead opt for third party policies. Third party fire and theft means if your bike is stolen or lost in a fire, you’ll be covered. Otherwise, you won’t. It also gives you property damage cover similar to green slip insurance for cars in that it covers legal and medical costs for any injuries or damage caused by your vehicle to other people or their property. It doesn’t protect you against damage to you or your own vehicle.

Third party property damage is the same as the above, but without protection against fire or theft.

What does each dirt bike insurance type cover?

To help compare the types of insurance available, we’ve made a table to help you figure out what is and isn’t typically covered by each.

FeatureComprehensiveThird party fire and theftThird party property damage
Damage to someone else’s property
Accidental damage
Malicious damage
Fire damage
Stolen or written off
Damage to riding gear
Weather damage (hail, storm, flood)
Emergency travel and accommodation

How do I find dirt bike scooter insurance?

Buying insurance can be a pain, especially if you only ride your dirt bike as a hobby. If you’re looking to keep your premiums down as low as possible, there are a number of things you can do.

  • Figure out what kind of policy you need. Depending on what you’re going to be using your bike for, you may not require the more expensive policies with all the bells and whistles. If you aren’t going to be using it for anything too dangerous or only in a safe, controlled environment, you might not need comprehensive.
  • Buy the right bike. The smaller the engine, the less expensive cover will be. If you don’t need a 750cc roaring chrome monster for your excursions, consider getting one that’s a little bit smaller. In addition, the less exotic of a model your bike is, the cheaper coverage will be since they’re easier to replace.
  • Store your bike safely. If you can prove that your dirt bike will be stored in a secure garage or annexe, insurers will offer you a better deal since theft won’t be such an issue.
  • Drive sensibly. The fewer accidents you have on your driving record, the less you’ll be charged for insurance.
  • Re-check your policy regularly. As your bike ages or your circumstances change, the premium you’re paying may be too high. Don’t keep forking out the same high rate if it no longer applies.
  • Pay premiums annually. By making your payments each year instead of every month or week, most insurers will lower the overall amount you pay.
  • Look for discounts. There are plenty of ways to knock 10% or 20% off the price of your premiums simply by looking around online or investigating perks like loyalty bonuses or no-claim bonuses for particular companies.

Which companies offer insurance for dirt bikes?

As part of standard motorcycle insurance

Special dirt bike policies

  • National Motorcycle Insurance
  • Real Insurance/Famous Insurance
  • Swann Insurance

Do you need to have insurance for your dirt bike?

Technically you only need CTP to pay for others’ medical costs in any accident involving your vehicle. Other policies, like third party or comprehensive, aren’t mandatory (but could be a good idea).

Picture: Unsplash

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site