Manufacturers design dual-sport motorcycles, also known as dual-purpose or all-road bikes, to be street-legal and suitable for both on-road and off-road riding.
These motorcycles typically feature single-cylinder engines, referred to as “thumpers,” and are occasionally called “enduros,” although they are usually not as well-suited for street riding.
Popular dual-sport motorcycles commonly covered by insurance policies include models from the Honda XR line, such as the XR650 and smaller variations, along with the Kawasaki KLR650 and KLR250.
Additionally, bikes from the Suzuki DR, Yamaha WR, and KTM EXC lines are also popular choices. More recently, motorcycle companies have introduced “factory scramblers” like the Ducati Scrambler.
However, these multi-cylinder machines generally do not meet the criteria to be classified as dual-sport motorcycles.
Does the Insurance Policy Provide Coverage for Off-Road Riding
It’s imperative to confirm if your insurance covers dual-purpose motorcycle use, especially off-road activities.
Unfortunately, many policies exclude off-road incidents, leaving you liable for damages. Even with coverage, racing or long rides may not be included.
Carefully review your policy and consult an agent for clarity. Explore options like homeowner’s insurance for off-road coverage or switch to a provider covering all activities.
Types of Coverage Needed
Riding a dual sport bike increases the risk of accidents since you’ll be riding both on and off-road, necessitating types of insurance coverage that might not be immediately apparent.
Here are several types of dual-sport motorcycle insurance coverage that you should ensure are included in your policy:
1. Comprehensive and theft coverage: This protects against theft from your home or during transportation. The comprehensive aspect also covers damage from fire, wind, water, and vandalism.
2. Collision insurance: This coverage is straightforward, safeguarding you in case of collisions with objects such as trees, rocks, buildings, vehicles, animals like deer or moose, or even pedestrians.
3. Bodily injury liability: Required in most states, this coverage is essential for injuries to others in accidents where you are at fault. It includes medical expenses, medications, lost wages, and related costs for passengers or those injured by you.
4. Property damage liability: Also mandatory in many states, this coverage shields you from out-of-pocket expenses for damage to others’ property, including land, fences, and vehicles.
5. Roadside assistance: This coverage is self-explanatory and crucial for unexpected breakdowns, even with newer bikes, especially when stranded in remote locations.
Where to Insure a Dual-Sport
Your choice of the best insurer will depend on your location, your specific needs, and the type of motorcycle you possess.
Virtually every prominent insurance company offers coverage for dual-sport and adventure bikes. The challenge lies in securing the most comprehensive coverage at an affordable price.
This necessitates comparing policies from multiple carriers before making a purchase decision.
This process may involve making numerous phone calls, conducting extensive online research, and dedicating several hours of your valuable time.
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