insuring your car

Insurance options for registered dirt bikes

Whether you take your bike off-road occasionally or all the time, having the right insurance means you’re covered if the unexpected happens.

Why it’s a good idea to insure your dirt bike

Dirt bikes can be expensive to repair or replace. If you don’t have insurance, you would be responsible for covering the costs out of pocket in case of an accident. There's also the risk of damaging other people's property, as well as fire and theft.

Types of insurance for your registered dirt bike

With GIO, there are three types of motorcycle insurance to consider. The type you choose may depend on your budget and how you plan to use the bike.

Explore GIO Motorcycle Insurance

Comprehensive Motorcycle Insurance

Comprehensive is the highest level of coverage. It includes cover for the following:

  • Emergency repairs, and travel and accommodation costs if you’re more than 100km from home and your bike is not roadworthy or safe to drive after an accident.
  • New motorcycle after a total loss if your bike is less than two years old.
  • Up to $2,000 for protective riding clothes when damaged in an accident or stolen from or with your motorcycle.

Third Party Property Damage

Third Party Property Damage Insurance offers cover for damage you might cause to other people’s vehicles or property – but doesn’t cover damage to, or loss of, your own bike.

For example, if you were to run into the side of someone’s car or crash into a fence – and you were found to be responsible for the damage, Third Party Property Damage Insurance can help cover those costs.

Fire, Theft and Third Party Property Damage

This is similar to Third Party Property Damage Insurance – but adds coverage for loss or damage caused to your bike by fire, theft, or attempted theft. There are exclusions to this, which you can read about in the Product Disclosure Statement.

Factors to consider when choosing insurance for your dirt bike

Accidental damage coverage

Riding off-road comes with challenges. If you have comprehensive cover, you’re insured for accidental damage to your bike and any property damage caused to third parties – with some exclusions.

Theft coverage

Riding through less-populated areas doesn’t mean you’re safe from having your bike stolen. Avoid being stuck on foot far away from home. Coverage for Fire, Theft and Third Party Property Damage can help you replace your bike if it’s stolen.

Exclusions and limitations

Insurance will help you deal with the uncertainties of riding your bike off-road, but even comprehensive cover comes with some exclusions and limitations. Examples of some policy exclusions and limitations are:

  • Medical expenses following an accident.
  • Using your bike for work that generates an income, such as food delivery or as a courier.
  • Using your bike for sports, including races, competitions, trials, and contests.
  • Damage to your bike tyres caused by braking, punctures, road cuts or bursting.
  • Theft or damage if you left your motorcycle unattended and with the keys on or inside the bike.
  • Unlicensed riding. 
  • Unregistered motorbikes when used on public roads.

For a complete list of policy exclusions and limitations, read GIO's Motorcycle Insurance Product Disclosure Statement.

How to get a quote for dirt bike insurance

The first step in getting the best cover for your dirt bike is to get a quote. Be ready to answer some simple questions to help us understand your needs. It’s important you answer these questions accurately, as not all dirt bikes can be insured by GIO.

Get a quote


Read more:

Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Please read the relevant Product Disclosure Statement before considering this insurance. The Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.