There are many benefits you may consider when looking for in insurance for quad bikes. Some providers may add in more benefits and features than others may, so when you compare the cost of the insurance you may also want to compare benefits.
Do you need off road, on road insurance or both?
How do you use your quad? This is important when you are choosing your insurance.
Do you use it off the road only? Do you only use your bike off the road on private property? Do you use your quad on and off the road?
If you use your bike on private property only then you may still have to take out insurance. An insurance policy may protect your quad against it being stolen. It may also protect your bike in the event that it is damaged or destroyed in fire. The policy may also pay out for accessories if they were stolen or damaged, these may be things such as helmets and tools.
If you use your quad bike only off the road for sport, say in woodland, then you may still have to travel along normal roads to arrive at your destination. Usually when you take out off road insurance the insurance provider will typically allow you to travel so far from home on the road, for example, within 10 miles. You may have to check this limit when applying for the policy.
If you only use your quad bike on the road, you may have to take out a policy solely for on road use, as a policy with limits might not allow you the coverage you need.
Benefits and features you may look for in the cover
Event cover – If you use your bike to attend events, rallies or competitions, the event organiser may insist that you have liability insurance in your quad cover. Liability cover may protect you against any accidental damage to property that was your fault. Liability insurance may also provide cover in the event that injury occurred to a third party through your actions.
May the policy cover family members? – When you take out insurance for your quad bike the policy may usually cover up to so many riders. There is however, a limit as to the amount of individuals covered, so you may need to check. This can be handy if other family members use the quad bike and it means that separate insurance policies may not have to be taken out.
Insurance for Europe – If you wanted to use your quad bike in Europe, you typically will need to take out European insurance. Your standard UK policy without European cover may not protect you. European insurance is taken so that you do not have to apply for insurance at the border of each country you visit.
Cover whilst in transit – You might want to check when looking for insurance for quad bike if it may pay out in the event that your quad bike should be damaged whilst in transit. For example if you attend shows, you send your quad onto the show, and something happened to it whilst in transit, you may be able to claim for the damages to your quad bike insurance.
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