Quad bikes are becoming more popular as an alternative to a regular car, as a method for farmers and those who work on the land to get around their land. Or as a means for thrill-seekers to have some off-road fun!
With us you can compare quad bike insurance quotes online. You'll receive a quad insurance quotation that meets your needs at a fair price in just a few minutes. All quotes will provide you quad bike insurance average price and any add-ons to make it simpler to select the right deal for your needs.
Even though most motorbike insurance companies have the word "bike" in their name, they will not be able to insure your quad bike. Quads are often off-road vehicles, however those that are road-legal require a valid driver's licence.
Quad bike insurance protects you in the event of an accident while riding or owning a quad bike. Quad bikes are a unique form of vehicle that isn't usually road legal and isn't covered by standard car or motorcycle insurance.
The amount of quad bike insurance cover you receive is determined by the type of policy you select. Policies are divided into three categories, similar to car insurance:
Third-party insurance - this is the cheapest option for quad bike insurance, and it covers you for bodily harm or damage to another person's vehicle.
Third party, fire, and theft - this includes third-party cover as well as repair or replacement costs if your quad bike is stolen, damaged, or destroyed by fire.
Fully comprehensive - this cover includes everything covered by third-party, fire, and theft insurance, as well as accidental damage, vandalism, and device loss.
Road legal - A road legal quad bike (like a car) must carry a minimum of third-party insurance. Green Lanes, unmetalled roads, and byways are all considered roads, and if you ride them, you must have a valid licence, MOT, and insurance.
Off-road - Third-party cover for entirely off-road quad motorcycles is more difficult to come by, although it may be easier if the quad bike is used for commercial or agricultural purposes. Off-road quad bike insurance, on the other hand, may include fire and theft cover as standard, as well as a variety of optional extras.
The following are some of the benefits that a quad bike insurance policy can provide:
Breakdown cover - When your quad bike breaks down and needs to be picked up.
Personal injury cover - Personal accident insurance pays out if you are harmed while riding.
Helmet and leather gear - If your gear or equipment is destroyed or damaged.
Going abroad - Use while travelling abroad and taking your quad bike with you.
Legal and personal liability – This which covers legal fees if you harm another person or their car.
Track day cover - If you take your quad bike out for a track day and it gets damaged, you'll be covered.
Off-road cover can protect your quad from theft or fire damage, but third-party cover isn't always covered. You must inform your insurance of your plans to use the quad and for what purpose. To compare quad bike insurance, it's also worth checking with your home contents insurance provider, to see whether you can categorise your quad as a bicycle.
Double-check your policy's cover terms and notify your provider of any changes to the quad's use or location, just like you would with any other insurance policy. You may want to add extra cover to your policy, such as accidental damage, as it may not be included as standard.
Quad bike insurance costs are determined by a variety of criteria, including:
The safety and security of the quad bike is also a consideration in determining your premium expenses. As a result, insurers may require an approved lock on the vehicle, as well as specific restrictions for where and how you park the vehicle. Even if these aren't required for the insurance, they may still help save money.
Utility, sports, and leisure quads are the three sorts of quad bikes available. Your quad bike will fall into one of these categories:
Sit-astride ATV
The quad is designed in the style of a motorcycle, with a straddle seat and handlebar controls. Seating for one additional pillion passenger is available on larger sit-astride ATVs.
Sit-astride ATV
Side-by-sides and buggies with a car-style steering wheel and a roll-cage frame are available. Many side-by-side ATVs include space for passengers (typically one, but occasionally three or five) and/or extra materials.
Road legal (‘type-approved')
Quad vehicles that meet European road safety regulations, whether they are sit-astride or side-by-side. Manufacturers build the majority of quads specifically for road usage. However enthusiasts can alter off-road quads and apply for Individual Vehicle Approval.
Quadricycle (a four-wheeled vehicle) - L6e and L7e
The Renault Twizy is an example of a four-wheeled microcar. They're either light (L6e) or heavy (L6e) (L7e). Light quadricycles have an unladen weight of less than 425kg and can only go 28 miles per hour. Quadricycles with a higher mass and faster speeds are known as heavy quadricycles.
A full car licence, or a category B1 motorcycle licence if issued before January 1997, is required to ride a road-legal quad bike on the highways.
The car must be DVLA registered, taxed, have a valid MOT certificate, and have at least third-party insurance cover. Off-road quads don't require any of the aforementioned, and they can be operated by anyone of any age. You must, however, only drive the vehicle on private property with the permission of the owner.
When utilising an off-road quad for agricultural, horticultural, or forestry purposes, it must be registered as a light agricultural vehicle with the government. It can be driven on the road as long as it stays within 1.5 kilometres of the work location.
What kind of quad bike insurance do you need?
Quads that are permitted on the road must carry the same insurance as all other vehicles on the road, with a third-party only policy being the bare minimum. You'll have to figure out what level of protection you require. Third-party only covers damage to others.
Is quad bike insurance in the UK expensive?
There are specialist insurers who will insure your quad bike, but because of the risks, premiums are usually rather high. As a result, you should expect to spend slightly more for your quad bike insurance than you would for a similar-sized moped, scooter, or motorbike.
Can I transport passengers on the road in my quad or ATV?
You can only do this if the vehicle is built to carry a passenger by the manufacturer. Passenger amenities, such as a seat and passenger foot pegs, must be provided.
Is it possible to ride a quad bike on the motorway?
If your quad bike is road legal and fully registered with the DVLA, you can ride it on the motorway. The use of a quad bike registered for agricultural, horticultural, or forestry purposes on the highway is prohibited.
What age do you have to be to acquire quad bike insurance?
Most insurers will require that you be 21 or older to insure quad bikes. Although this varies by insurer as some quad bike insurance companies do provide quad bike insurance for under 21. Be sure you can insure your quad before buying it with the intention of riding it on the road. You'll need sufficient insurance to be adequately covered.
To legally use a quad bike on public roads, it must have the following lighting:
To drive a quad bike on the road you must be at least 17 years old and have a category B (full car license) or B1 (if issued before 01.01.97) driver's licence. Quad bikes that are used on the road must have at least third-party insurance. Quad bikes must be registered and have a number plate on the front and back.