I've been putting together some info on Dirt Bike Insurance and what seems to be a common theme among insurers is that what you are actually insured for is very limited. Your dirt bike or ATV must be chained up when not in use. Your dirt bike or ATV must be chained up and in a secured building when at your place of residence. Your dirt bike or ATV is not insured if used in any competition event. If the bike is stolen there must be visible evidence of violent and/or forcible entry Events such as war, natural disasters or acts of terrorism are not covered by insurance. So I ask, what is the chance of your bike being stolen if it is chained up and locked in your garage or shed? Why do finance companies insist on dirt bikes or ATV's being insured if under finance when the insurance cover is so limited?