Do I need insurance for a pit bike?
Christopher Harper
Published Jan 19, 2026
If your motorbike never sets wheels on a public road, then you don’t legally need to have it registered or insured. If you ride it on the road (even for a short way to get to the dirt bike track) it must be road-legal, registered and have at least third-party insurance.
Do you need insurance to ride a bike off road?
The quick answer is that if you ride your off road bike anywhere other than on private land – yes you do need insurance. Even if you only ever use your dirt bike on public roads to get to a track or field, it’s a legal requirement that you have, at the very least, third party insurance coverage.
What dirt bikes are road legal?
Some manufacturers sell purist dirt bikes, with road-legal capabilities. These include KTM, Beta, GasGas, Husqvarna and some of the Japanese ‘big four’. If you have the budget, then a late model or brand new bike from this class could be a right choice.
How much does 125cc bike insurance cost per year?
**50% of people could achieve a quote of £555.59 per year for their 125cc bike insurance based on Compare the Market data in November 2020. ***50% of young riders between 16-17 years old could achieve a quote of £735.78 per year for bike insurance based on Compare the Market data in November 2020.
Is it legal to ride a 125cc bike on the road?
You can legally ride a 125cc out on the road after taking Compulsory Basic Training (CBT) and without passing a test, but motorbike insurance is still a legal requirement.
How much does it cost to buy a pit bike?
How much is a pit bike? A good quality pit bike from a reputable manufacturer can be had for as little as $850, with top of the range brands selling models for upwards of $3,000. However, it’s possible to find bikes for under $500 if you’re not looking for a known brand name or exceptional performance and engineering.
Can a 125cc motorcycle be insured on Defaqto?
69% of the 32 comprehensive motorcycle insurance policies on Defaqto charge an inexperienced rider excess. [2] It won’t affect the cost of your premium unless you make a claim. You can get insured to ride a 125 even if you haven’t passed your motorbike test.