Off-road motorcycle insurance

[medwaste]

Does anyone insure their off-road bike? Is it worth it?

 

[JWW]

Yes-Full Coverage- State Farm- Around $75ish per year

 

[_JOE_]

Full coverage with Nationwide is about 110 a year.

 

[MXGirl230]

Yes, we are the same as JWW.

Gives us some peace of mind, especially since they have to stay in the enclosed trailer. Soon they will be in a garage!

We only have theft and fire on ours.

 

[Uchytil]

It depends on the bike. What is the payout for a 97 YZ125 compared to a 2009 YZ250? That's only food for thought. Check the current cash value of your steed before you decide. If it's vintage you may never get what you put in (I know) unless you have it assesed by the insurance company first. And, the are clauses about racing, etc... Read the fine print. Most people only get comprehensive for "dirtbikes" in case of theft. My 2 cents...

 

[JWW]

It depends on the bike. What is the payout for a 97 YZ125 compared to a 2009 YZ250? That's only food for thought. Check the current cash value of your steed before you decide. If it's vintage you may never get what you put in (I know) unless you have it assesed by the insurance company first. And, the are clauses about racing, etc... Read the fine print. Most people only get comprehensive for "dirtbikes" in case of theft. My 2 cents...

I agree

I only have insurance on my 08 WR. Replacement cost on the kids 97 YZ isnt really worth it after deductible.

 

[2-Strokes 4-ever]

'03 RM250 full coverage... $75
'98 RM125 liability only... $45
We have plates on our bikes because our trail system is often linked up with US Forestry roads and blacktop. Our state requires liability ins to liscense.