Dirt Bike

Even though dirt bikes can take a beating doesn’t mean you don’t need protection. A dirt bike is a unique risk which is not automatically covered under your homeowner’s insurance policy. Want to know how to properly insure your investment so you can get back on the trails faster?


dirt bikes riding over sand hill

Find what you need

Want to learn about your insurance? Click on one of the below topics!

Liability Coverage

Accidents happen. Liability coverage protects you financially from the pain of a nasty lawsuit if you are held responsible for compensating others for damage to their property or person. We highly recommend getting a liability policy, primarily when operating a higher-risk vehicle like a dirt bike, if there is an accident that causes injury or death to someone else or damages someone’s property.

Replacement Coverage

Did you purchase your unit brand new? Ask our team about which insurers offer replacement coverage for new ATVs. Got Toys for example offers this coverage on brand new units (as long as it is purchased within 120 days from the delivery date of the unit). It expires 24 months after the date of delivery; a copy of the bill of sale must be provided and the unit insured for 100% of value.

Learn More

Theft or Damage

Dirt Bikes are tough, but nothing is tougher than dirt. Protect your bike against direct and accidental damage due to upset or collision. Add comprehensive coverage for risks such as fire, lightning, hail and vandalism. You face significant risk when you put it away for storage in the winter. We can help mitigate your loss due to theft by having your dirt bike insured on a policy.

In Storage Coverage

When your dirt bike is put away for the year, even in your garage, there is no insurance if you do not have an insurance policy. Theft, vandalism, and other risks still exist, and your home insurance isn’t going to extend protection.

Personal Injury

Sometimes personal health insurance may not provide adequate coverage for medical expenses, disability, loss of income or death that results from operating a dirt bike. The risk of severely injuring yourself while using a dirt bike is not something to be ignored.

Disability Insurance

Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.


Don’t see what you’re looking for? CONNECT with our expert team, and let us find the right coverage for you!


Quick Links