Bike insurance for dirt bikes

For some vehicle lovers, the true joy of riding a bike lies in taking over muddy and rough terrains. Dirt biking is one such popular adventure sport that provides you with a great adrenaline rush whilst also letting you get messy in the best possible way. If you own a dirt bike and are all set to take on the roads then it is essential that you get an off road bike insurance policy.

As the name suggests, dirt biking is a form of biking that you do off road and ride the bike on dirty terrains : it is a form of riding which involves riding through mud, rocks, and up and down tracks.

Typically, dirt bikes are used for racing purposes. However, with time, people have now started riding the bike on holidays or on weekends on off road terrains. With an increase in adventure biking, manufacturers today offer both entry level and sophisticated adventure bikes to meet the requirements of the off road bikers.

Since dirt bikes are generally used to ride on rough terrains, they are more prone to damages due to which buying insurance for this type of bike is essential. These bikes are also more prone to crashes and can even cause damages to third party as well.

If you own a dirt bike it is essential that you insure it with a bike insurance policy that protects it against damages. The cover for a dirt bike is similar to two wheeler insurance. Here is what dirt bike insurance generally covers:

• Vehicle theft:

  In case of vehicle theft then the amount up to the insured declared value mentioned in the policy is given. In case of total loss too, the IDV amount mentioned in the policy is offered to the policyholder.

• Third party coverage:

  In case your bike causes an accident to a third party, person or property then this type of insurance compensates the third party against the damages, injury, and death. Moreover, in case of severe damages or if the third party files a case against you, then in this case, legal costs are also covered.

• Own damage:

  In case your dirt bike is damaged due to an accident then coverage for the same is provided under comprehensive insurance policy. Under comprehensive cover for dirt bike damages caused to third party are also covered.

• Fire explosion:

  In case if the bike gets damaged due to fire or explosion then the same is covered under dirt bike insurance.

• Natural and man made calamities:

  In case if the bike is damaged due to a natural or man made calamity like earthquake, floods, cyclones, etc.

• Dirt bike insurance does not provide coverage for the below
• Damages caused when driving under influence of alcohol
• Damages caused due to overspending
• Mechanical or electrical breakdown of the vehicle
• Regular wear and tear of the vehicle

Purchasing dirt bike insurance for off road bikes

There is no specific insurance plan for dirt bikes. However, you can insure this type of bike with a regular bike insurance plan. With a comprehensive policy for dirt bikes you can get financial and legal protection against losses arising due to damages caused to your own bike.

Here is how insurance for adventure dirt bike can help:

• Coverage against third party damages caused due to dirt biking
• Coverage against damages arising due to theft, natural and man made calamities

Since off road dirt biking is a relatively new concept in India, there are no specific insurance plans offering coverage for the same. To get protection for the bike, you can insure it with a comprehensive or third party bike insurance cover. You can further get additional coverage by opting for various bike insurance add ons.

• Zero depreciation cover:

  The value of a bike depreciates over a period of time due to regular wear and tear. At the time of claim, the insurance company deducts the value of depreciation. With this add on, you can claim for the total amount which this provides you with a high claim settlement.

• Roadside assistance cover:

  In case if in the middle of the road, your bike breaks down then with this add-on you get emergency fuel fill, minor repair, towing service, etc.

• Engine protection cover:

  With this add on, the repair and replacement of the engine parts is covered.

• Personal belongings:

  As the name suggests, this add-on provides coverage for personal belongings such as helmet, anti theft device, etc. Repair and replacement of the helmet is covered under this add on.

You can also opt for other bike insurance add ons such as key protection cover, consumables cover, key replacement, passenger assistance, etc.