I keep full coverage on ALL my bikes, dirt & street. Mostly for the theft coverage. It's very inexpensive for trail bikes. I'd have a hard time looking my agent in the eye while turning in a comp claim on a dirt bike though :think .unless it was a total loss... it's nice to know that if I missed a corner & launched my $6k scoot out into space over a 200ft drop, after which it went cartwheeling through the trees to the bottom of the ravine, where it exploded into flames & burned down to a smoldering puddle of melted alloy & charred plastic, that I'd stand a chance of replacing it... :confused:
There's also that liability thing, however unlikely. I like the warm fuzzy feeling I get knowing that there's a buffer between me and the parents of some unsupervised Jr. ATV rider that might decide to wedge their little power wheels monster truck under the front wheel of my CR ....
And now for my tag line:
Just because you're paranoid doesn't mean they're not after you!
:confused: