What is the insurance for motocross or ATV?

Insurance is compulsory for all vehicles traveling on public roads and highways to prevent damage to third parties and drivers in the event of an accident. Unlike the classic two-wheeled vehicle, Motocross or ATV owners have special responsibilities... Moreover, cross-country motorcycles and ATVs are not used anywhere.

How to choose effective insurance for your motocross or ATV? How much does motocross insurance cost? How do I insure my ATV? Find in our article the features of these cars and the steps you need to take to find an offer adapted to your situation. 

Peculiarities of insurance of cross-country or ATVs

We distinguish between off-road motocross insurance and non-homologated motocross insurance on public roads. V motocross or all-terrain vehicles must have compulsory insurance like conventional two-wheeled vehicles, while non-licensed vehicles require special coatings.

Therefore it is important clearly distinguish between the approved vehicle, that is, who has the right to travel on public roads, motocross and ATVs without permission, which can only be used on private land. Owners are then required to transport unapproved motorcycles and ATVs, most often on trailers.

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Read also: How to prepare well for motocross and enduro

Compulsory insurance for off-road motocross or ATV

It should be remembered that, in principle, motocross motorcycles are not allowed to be driven on public roads. They must drive on private land or reserved tracks. However, there are homologated motocross models that have received permission to ride on public roads. These motorcycles have all the equipment you need to travel on roads open to the public. 

They correspond to off-road cross-enduro motorcycles that have a registration document. The driver must have a motorcycle license.

As for the four, we are also talking about the approved four. He also needs permission to travel on roads open to the public. To obtain a permit, several conditions must be fulfilled, namely: an ATV with a capacity of no more than 20 hp. weighing less than 400 kg and the equipment is in good condition. 

However, ATVs cannot operate on highways and expressways, despite the appropriate permits. Insurance is also required for approved ATVs. Violation of this obligation is punishable by a fine of EUR 3.750. 

Special covers for motocross or ATVs are not approved

Therefore, unapproved motocross or ATV riders cannot benefit from the guarantees provided by conventional motorcycle insurance. However, the rules stipulate special insurance for all motocross and non-homologated ATVsnecessary to protect the adherents of this sporting leisure. 

In addition, the license issued by the club already includes a guarantee for damage to third parties in the event of a claim. Cross-country driving of an MX motorcycle does not relieve you of the obligation to take out insurance, there is always the risk of an accident, even when it is stationary. 

Motocross is suitable for riders of all ages. Thus, children over the age of six are allowed to drive. However, the law imposes restrictions depending on the power of the motorcycle. For children aged 6 to 9 years, the balloon volume should not exceed 60 cm3, the balloon volume should not exceed 80 cm3 for a child aged 9 to 14 years and the balloon volume should not exceed 125 cm3 for a child aged 14 to 16 years. 

All movements are allowed from the age of 16. In addition to this rule, the law also requires riders to have a motorcycle license to participate in the 125cc motocross. If the engine size is less than 3 cm125, it is necessary to obtain a certificate of suitability for motorsport. Membership in a motocross club is also required to obtain a license. 

Steps to insure your ATV or Motocross

To sign up for your insurance, you have a choice between two steps: with a physical agency or an immediate online subscription. Most insurers offer their offers online.

Choose Immediate Insurance Online

Online procedures are more convenient and faster. All procedures are dematerialized. They save a lot of time. Supporting documents for the contract are sent by email. In addition, services usually operate around the clock, seven days a week. 

An instant online subscription also remains a cost-effective solution with no administration fees. It also offers attractive prices compared to traditional insurers. Sometimes insurers require a deposit for official documents. 

Find the best deal online 

Sometimes it can be difficult to choose among the successful offers on the Internet. For this you can use online ATV and motocross insurance comparators, an effective tool for easy comparison of offers. 

The comparator site already has a list of insurance companies with offers in its database. 

Therefore, all you have to do is determine your coverage needs and budget. It is recommended that you choose a site that works with popular two-wheeled vehicle insurance companies. 

Insurance brokers are also professionals in this field. They offer their advice to help clients find the best ATV or motocross insurance deal. 

Check out the offered guarantees 

There are usually three formulas for motorcycle insurance, depending on the scope of the guarantees offered. The basic formula corresponds to liability insurance and legal protection. This warranty does not cover damage to the driver and vehicle. On the basic formula, you need to plan an average of 150 euros per year. 

For unapproved motocross, specific surfaces typically cost around a hundred euros per year on average. This warranty does not cover damage to the driver and vehicle. 

Thus, the intermediate formula allows you to select additional guarantees according to your needs. This includes personal injury, anti-theft protection or other additional guarantees. 

The total risk formula is the most expensive, but provides the most reliable protection. Off-road driving exposes drivers to more dangers. Therefore, an all-risk formula is recommended.

However, you should always check the guarantees provided to avoid any unpleasant surprises. Your choice also depends on your budget and the desired use of the vehicle. The deductible amounts must also be considered.