Get life insurance. Get a will.
Why? If you do have that horrific get off and circumstances are not in your favour you can protect and support the loved ones around you. A decent burial is in excess of $10,000. Time off for your family members affects them financially. You will leave debts behind. There will be costs for capital gains tax, transfer of vehicles, liens etc.
Protect yourself with that last bit of "gear"
All you need is a $20,000 policy to start and a small legal will. It's not hard and your family/friends will breathe a little easier and can better greive your passing if they have less stress to deal with. Emotional stress is bad enough without fear of serious financial loss. Some policies will ask if you ride a bike. Some will not. Do what you think is best.
Morbid? Yes. Needed? Yes. Do it? Now.