Quad bike insurance

What is Quad bike insurance?

Quad bike insurance is the insurance of a small 4 wheeled one or two seater vehicle. This is not insurance for trikes, or motorcycles, but it does follow the exact same principles of motorbike insurance, except it’s for 4 wheels not two. There are two types of Quad bike insurance – Road Legal Quad bike insurance and Off-road Quad bike insurance.

What is defined as a quad bike?

Quad bikes, or ATVs, are just that - All Terrain Vehicles just waiting to take you on muddy banks, and steep dirt trails. Quad bikes may originally have been designed for farmers and landowners but these days these all-purpose vehicles are used by a much more varied group of people, from city traders to The Police.

With the introduction of some very good road legal quads, their appeal is now even greater. They can range from the smaller Gas Gas Wild 50cc quads, to the larger Bombardier LX 800cc vehicles.

Quad bike insurance cover Types

Quad bike insurance is broken into 2 categories – Off-road and Road Legal cover. Road legal insurance is the same as ordinary car and bike insurance, in that you have three different cover types, Comprehensive, Third Party fire and Theft and third Party only.

Off Road cover however removes the need for liability to a third party, leaving you with 2 types of cover – Fire and Theft only, or Accidental Damage fire and theft cover.

What Will Quad bike insurance cover me against?

For off road Quad bike insurance you can cover yourself against the theft of your quad, if it were to catch fire and its accidental damage - the latter meaning you would be able to claim should you damage your vehicle accidentally whilst off roading.

Road legal Quad bike insurance follows the same principles as off road Quad bike insurance but in addition it insures you for liability to any third party on the road as well. Cover can be offered for additional riders and the carriage of a passenger, along with clothing and helmet cover if required.

Quad bike insurance Introductory Discounts

Even though the insurance of quads is a small market, and the companies that do it are few and far between, it still can be a competitive area of insurance. As a result the agreements we have in place here are designed to get the best deal for you and your quad, by applying the maximum discounts we can find. Discounts can be offered for the security used on the quad, its value, and its use.

Insuring Multiple Quads

Only a small number of the UK’s insurers cater for Multi-Bike insurance – and we are one of them. We search through a variety of companies and schemes looking for Multi Bike Cover for up to 4 different bikes under one policy, and bringing rates to you for, same cover policies and varied cover multi bike schemes. The more bikes you bring the greater the discounts, whether insured under a multi bike scheme or, several different policies with us as a broker, our offers remain the same.

Quads used for trade/work

Whilst it’s rare that people use this type of vehicle for work, and even rarer for insurers to offer cover for quads at work, we again can. If you’re a farmer, Agricultural worker or a forestry worker we can cater for your quad to be used commercially as a tool of your occupation.

Why have Quad bike insurance with AUTONET?

Because quads aren’t standard vehicles, they are renowned for being complicated and difficult to insure, especially for their use on the road. In fact, most insurers won’t even consider them. But at AUTONET we are capable of tackling any and all of your Quad bike insurance needs. We aim to cover the wide variety of Quad and ATV models including Sports Quads, such as the Honda TRX 400 or YAMAHA banshee, the Leisure Quads, and Kids quads through to the Utility Quad models like the Quadzilla 300 or the Kawasaki KLF range. Combine our capable system with experienced staff and a dedicated Quad Claims service that’s open all day every day and its clear why AUOTNET is the place to insure your quad.