Third-party liability, engine failure, theft at the track, transport... What insurers do and don't cover, and what it really costs.
Sommaire · 4 parties
01The baseline: third-party liability
Every registered bike has to carry third-party liability cover (RC). That's the law. Even a motocross bike that only ever runs at a track.
Average price for liability only: €80-150/year depending on the department and the model (source: Assurland and LeLynx comparison sites, 2025-2026).
02What's specific to motocross and enduro
What changes compared with a road bike
- Declared use: "off-road leisure" or "competition". Declare road use and then break something at a motocross track → the insurer says no.
- A track is not the road: standard liability cover pays for damage to third parties on the road. On a circuit or private land you need an extension.
- An FFM licence includes insurance: the national FFM licence (€150-350) includes competition liability plus personal accident cover. That's often enough to ride at club level.
Cover table
| Cover | Liability only | Mid-level | Fully comprehensive |
|---|---|---|---|
| Damage to third parties | ✓ | ✓ | ✓ |
| Theft | ✗ | ✓ | ✓ |
| Fire | ✗ | ✓ | ✓ |
| Engine failure | ✗ | ✗ | Sometimes |
| Damage on track | ✗ | ✗ | Rarely |
| Recovery / repatriation | ✗ | Sometimes | ✓ |
| Average price /year | €80-150 | €200-400 | €400-800 |
Theft: the real threat
Theft is one of the biggest risks with an off-road bike: no steering lock, light enough for two people to lift into a van, and easy to move on as parts. Theft cover pays out at market value — often 30-50 % less than what you paid, two years down the line.
A GPS tracker (HOROTAG GPS €299 or HOROTAG ULTIMATE GPS €399) sharply improves your odds of getting the bike back, and with some insurers an active anti-theft device counts towards a lower premium.
03The usual traps
1. The "track" exclusion
Even fully comprehensive, most insurers exclude damage on a circuit or off-road terrain. Read the exclusions in the small print.
2. Under-declaring
Declaring your KTM 450 SX-F as a "125 road bike" to pay less → the insurer voids the policy the moment you claim.
3. Licence insurance ≠ bike insurance
The FFM licence covers you (personal accident) and your liability. It does NOT cover your bike (theft, damage, fire). Two different things.
04What we'd do
For a motocross bike: liability only (€80-150) + FFM licence (includes competition liability) + a GPS tracker (so you can locate the bike if it's stolen). Total: €400-600/year. Best cover-per-euro there is for a motocross rider.
Carnet d'heures scellé — trois solutions, à toi de choisir.
RUUVI 129 € (Bluetooth, compteur d'heures auto), GPS 299 € (traceur GPS anti-vol), ULTIMATE GPS 399 € (tracé GPS détaillé + anti-vol, carnet manuel). Aucun abonnement.
Comparer les trois
