My Dirt Bike's Been Stolen and I Forget to Get Bike Insurance

The dirt bike culture is booming in Australia and moreAustralia's National Motor Vehicle Theft Reduction
people are choosing to spend their weekends carvingCouncil has done a study into motor vehicle thefts
up the countryside on off-road bikes than everand found that about 1 in ten stolen vehicles is a
before. But with the increase in off-road bike salesmotorbike. In addition to this less than a quarter of
also comes the inevitable increase in dirt bike thefts,these are actually recovered, whereas actual cars
and with many people not realising the importance ofhave a recovery rate of around 80 percent. These
bike insurance quite a widespread problem is occurringalarming figures, combined with the increase in the
in that people aren't covered for these thefts.number of motorcycle thefts themselves, highlight
Off-road bike owners often don't realise thethe need for dirt bike insurance.
importance of bike insurance. Most dirt bikes aren'tAnother, often overlooked, side of bike insurance is
kept on public roads, but locked in garages whichthat you can get extras which not only cover your
gives the assumption of safety. The biggest "cost"riding gear, but also any items that you have stored
that riders generally associate with their bikes is thatand locked in the bike's panniers. This can include
they'll get involved in a small crash while out riding. Ascameras, laptops and music players. So if your
the dirt bikes are built to handle these small accidentsequipment, but not the actual bike, get stolen, you'll
with minimum damage, the need for motorcyclestill be covered.
insurance is often dismissed as an unnecessary cost.