Off Road Motorcycle Insurance

From trails to paddocks to the local track, we offer cover for motorcycles built to go off road — built by specialists who understand off-road riding through and through.

Cover that fits the way you ride

Whether you’re exploring, working, or riding for fun, we offer cover for a wide range of off-road riding styles. Choose from Comprehensive or Fire & Theft — both built by people who understand off-road motorcycles.

Comprehensive cover includes

Accidental Damage – limits apply.
Cover for Farm Use
Transit Damage (whilst being transported on a Trailer)
Loan Balance Assistance cover – up to $1,500 payable to a named financier, in the event of a total loss

Fire & Theft cover includes

Fire
Theft – following forcible and violent entry into Your securely locked building or shed

Types of motorcycles we cover

We cover a wide range of off-road bikes — supported by a team who understand the terrain and the machines built for it.

Unregistered motorcycles

Covered even when they’re built for dirt, not the road.

Recreational registered motorcycles

For off-road use with conditional or limited registration.

Motocross bikes

Lightweight bikes built for speed, jumps and circuits.

Enduro bikes

Off-road bikes made for long-distance trail riding.

Quad bikes

Four-wheelers designed for work or off-road fun.

Kids fun bikes

Smaller bikes made for young riders to get started off-road.

Side-by-side vehicles

Off-road vehicles with seating for two or more — often used for work, trail riding or recreation.

Ready to protect your ride?

Get a quote today and insure your motorcycle with specialists who speak your language.

Hassle-free claims

Start a claim in minutes and get back on the road sooner.

Local Experts. Local Riders.

Our New Zealand-based team knows motorcycles — and the roads you ride on.

Beyond the bike

It’s not just your bike that matters — our policies include protection for what goes with you on every ride.

Frequently Asked Questions

We get it — insurance can be a lot to wrap your head around. Our FAQs cover the things riders often ask us, so you can spend less time searching and more time riding.

What storage requirements are there for My Motorcycle when at home?

Under the insurance policy, the motorcycle is required to be stored in a fully enclosed and securely locked building or shed whilst at your usual residence.

What requirements are there to transport My Motorcycle?

When the motorcycle is removed from your locked building or shed, it is a policy requirement to keep the Motorcycle in a Fully enclosed and securely locked trailer or vehicle.

How do I access important documents such as National Motorcycle Insurance Policy Wordings, and Privacy Policy?

All important documents are available via the below links.

Important Documents (under ‘Documents’)
https://www.nationalmotorcycleinsurance.co.nz/

Policy Wordings

What should I do if I need to lodge a claim?

Our claims information page via the link below will provide you with more information.

Claims

In the loop

Stay up to speed with the latest news, updates and stories from the world of motorcycles, riders, and the community that brings them together.

Need a hand from someone who gets it?

Our motorcycle insurance specialists are here to help — get in touch today.