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Quad bike insurance is unfortunately not as simple as other vehicle insurances such as car insurance or motorbike insurance. It may have ‘bike’ in the name, but most motorcycle insurers will not cover a quad bike, due to the off-roading nature of the vehicle.
Quad bikes are primarily off-road vehicles, mainly used in the farming and agricultural industry, however road-legal quad bikes are becoming more common as work and commuting vehicles.
If you begin to use your quad bike on the road, it is vital you purchase insurance, just as you would for any other vehicle. Specialist insurers will cover all types of road-legal quad bikes and ATVs, whether you have a sports quad, leisure quad, utility quad bike, or a buggy.
When purchasing quad bike cover it is important to let the insurer know a few things like where you intend to use the quad bike and for what purpose, so a tailor-made policy can be matched to your needs.
There are usually three types of cover for quad bike insurance, these include:
Third-party quad bike insurance is the most basic form of cover. This will cover you for any third-party damage or injury. This cover does not insure you for damages to your vehicle or injury to yourself in the event of an accident.
This insurance type covers you for everything above, plus fire-related damage to or theft of your vehicle.
Fully comprehensive quad bike insurance gives you complete cover. You will be covered for all of the above as well as accidental damage to your vehicle due to an accident.
A quad bike insurance policy can also offer the following, depending on your needs and circumstances:
As we have established, quad bikes are used for different purposes, whether it be for personal use or as part of your work and business. You need to decide whether you will make your quad bike road legal, or if it remains off road for example, in the agricultural industry.
Treat your road legal quad bike just as you would a car, they all have the same insurance requirements. They require a minimum of third-party only cover. You will also need to tax and MOT the vehicle, even if you only use it on the road a handful of times.
Off-road cover can protect your quad bike from theft or fire damage, but it is very rare insurers will offer you third-party cover. You’ll have to be very specific to the insurer when giving details of where you intend to use your quad bike and for what purposes - you must inform your policy provider if any of these circumstances change.
It's also worth asking your home contents insurance provider if you can list your quad in the same way you would a bicycle.
Often, to insure quad bikes, most insurers will request that you are 21 & over. Although this can vary between insurers, so before you purchase it with intent for riding on the road, check you can insure your quad.
By comparing different policies and insurance companies, Quidco Compare can provide access to cheap quad bike insurance quotes. Work out the type of cover you need, then use the comparison tool to get instant quotes and find the ideal quad bike insurance, what’s more, receive cashback on your savings!
The youngest age a child can ride a quad bike under adult supervision is suggested to be 6 years of age. However, there are toy 'quad bikes' or mini quad bikes that are available from as young as 6 months old up to 4 years of age.
Please note: by clicking the “Get a quote” button, you consent to your details being transferred to up to five insurance providers. The insurance providers will contact you via telephone to discuss your policy.
When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.
*Cashback rates - £2 per valid quad bike insurance purchase.