Off Road Motorcycling Travel Insurance

What is off road motorcycling?

Off road motorcycling involves riding on dirt trails, gravel paths, and unpaved tracks using motorcycles suited to rough terrain. It offers adventure and freedom for recreational riders and enthusiasts, but comes with risks like uneven surfaces, isolation, and unpredictable conditions.

Do I need travel insurance for off road motorcycling?

Yes. Even for casual, non-competitive trips, off road motorcycling carries a risk of injury or disruption. Travel insurance can help cover emergency medical expenses, trip cancellation, and loss or damage to your personal gear - but it does not cover the motorcycle itself. Please read your Policy Wording carefully, as some policies have restrictions based on engine size or terrain type.

Why choose us?

• Basic protection for off road motorcycling and related activities
• Flexible policies for solo riders or group trips
• Cover for both new and experienced off-road riders
• No hidden exclusions – check your cover before travelling

What is included in off road motorcycling travel insurance?

Our off road motorcycling travel insurance includes cover for emergency medical treatment, repatriation, and personal liability. It also offers cover for cancellations and personal belongings.

Does standard travel insurance cover off road motorcycling?

Typically, no. Many standard policies exclude high-risk sports like off road motorcycling. A specialist policy is recommended, and some providers will restrict cover by engine size or riding conditions - so checking the small print is essential.

Can I get off road motorcycling insurance with a medical condition?

Often, yes. Just declare any existing conditions when you apply for a quote. We'll help determine eligibility and let you know if any extra terms apply.

Is there a maximum age for off road motorcycling travel insurance?

Many policies offer cover up to age 70. If you're in good health and active, you’ll still find suitable options. Always verify the insurer’s specific age limits.

Top international off road motorcycling destinations

• USA – Famous trail networks in Utah and California
• Australia – Red desert routes and forest tracks
• UK – Enduro trails in Wales and Scotland
• Spain – Rural dirt roads and mountain paths
• South Africa – Long-distance wilderness riding

What to pack for an off road motorcycling trip

• Helmet and safety gear (body armour, gloves, boots)
• Navigation tools and maps
• Hydration pack and energy snacks
• Basic first aid kit
• Travel documents, insurance details, and ID

Common off road motorcycling injuries and how insurance helps

Even with care, off road motorcycling can lead to:

• Fractures or joint injuries from uneven terrain
• Muscle strain from long-distance riding
• Dehydration or fatigue
• Minor cuts or abrasions

Insurance can help cover emergency treatment, transport, and lost trip costs due to injury.

Tips for safe and enjoyable off road motorcycling

• Ride within your skill level and be aware of trail hazards
• Take regular breaks and stay hydrated
• Wear high-visibility clothing in remote areas
• Check your belongings before each trip
• Review your Policy Wording for any exclusions