Insuring your quad
Traditional insurers don't often
cover quad bikes. Specialty insurers are the preferable option for
quad insurance. They have detailed knowledge about what kind of cover
one needs as determined by the use of the bike – for business,
transportation, or leisure and most importantly, if the quad will be
on the road.
Driving on Standard Roads
To drive on standard roads, people
need third party cover to insure the costs of damage to others'
injuries and property. Drivers can get this in the form of third
party only, third party theft and fire, or comprehensive.
Comprehensive cover is the most expensive, potentially costing
several hundred pounds more than alternatives. It includes cover for
the driver's own injury and damage, making it worthwhile for some,
especially commuters. For a cheaper option, drivers can choose third
party theft and fire policies with additional personal injury
protection. Third party only is the cheapest option. Drivers can
also opt to purchase additional cover like breakdown, personal
injury, or legal expense.
Driving Only Off-road
Off-road only insurance is usually
cheaper because drivers don't have to pay for third party cover.
Drivers can get traditional-type vehicle insurance to cover theft
and fire. Insurers will cover utility, sport, leisure, and junior
quads for use at home, at racetracks, and at practice grounds. But
if drivers plan to drive their bikes to and from these off-road
locations, they'll need third party cover. Off-road only cover may
cap the number of miles a quad may travel on standard roads. Such
policies may also include extras like cover for helmet, leathers,
Factors That Increase Premiums
Most insurers won't cover
17-year-olds; some even have a minimum age of 21. Parents may need
to add their teenagers to their policies as second drivers to cover
them, which increases premiums. Young drivers also have a lack of
driving history and zero no claims bonus, both of which increase
premiums. Drivers who modify their quads will have to pay higher
premiums. This can make some reticent to disclose their
modifications, but they should be careful: failure to disclose might
invalidate their policy. Finally, use affects premiums. If drivers
plan to drive on standard roads, in traffic, that will increase
their premiums since it increases the likelihood of a claim.
How to Reduce Premiums
The most important way to get lower
premiums is to keep a clean driving record. One's bike no claims
bonus does lower insurance for quad bikes, so drivers should make a
point to gain and keep it. While some security measures are required
by insurers – like having a ground anchor and locked chain – others
are optional. Given that quad bikes are a common target of theft,
insurers often reduce premiums for having advanced security features
like approved alarms on the garage and bike or tracking devices.
Some organisations have deals with insurers by which members of
those organisations get discounts on cover; drivers should always