Quad bike owners know that four wheels are better than two - but obtaining insurance for your pride and joy is often a very rocky road.
Notoriously difficult to insure, many insurers won’t touch quad bikes and some that do specify a whole raft of exclusions: some refuse to insure those under 17, others insist you hold a full driving licence.
The difficulty with insuring quad bikes is that there are so many different kinds of bikes used for all kinds of different purposes, from carrying golf clubs across a course to off-road competing and junior quad bikes for children to on-farm transport.
While third party, fire and theft cover and comprehensive cover are available for all quad bikes, there are also various options you can choose to ensure you have the level of cover that you need including cover for personal injury, breakdowns, legal expenses and accessories.
Policies may also cover transit to and from racetracks or practice grounds.
Any modifications to your quad bike will need to be disclosed before you buy your policy - failure to do so can invalidate any future claims.
Quad bikes are as attractive to thieves as they are to their owners, so insurers often insist on security measures such as ground anchors with a lock and chain. You can knock more off your premium by storing your bike in a locked garage or by installing insurer-approved alarms and tracking devices.
It’s worth noting that, unlike a bicycle, your quad bike won’t be covered by your household insurance and if you’re planning to use your quad on registered roads, you’ll need a minimum of third party cover.
Because insurance is so difficult to calculate for quad bike owners, it’s virtually impossible to get quotes online or by using comparison websites.
For peace of mind, the best option is to call a specialist broker who can offer bespoke policies and, because they deal directly with underwriters, can get you the best deal.
Specialist insurers, such as Bikesure - the motorcycle and quad bike insurance section of Adrian Flux Insurance Group - are able to offer tailored quotes for quad owners.
Gerry Bucke, of Bikesure, explained that the company covered almost every aspect of quad insurance, from sports quads to leisure quads, utility quads to kids’ quads, modified quads to buggy insurance and road-legal quad bike insurance.
“The personal and bespoke approach to providing insurance has put us at the forefront of quad bike insurance from the introduction of quad bikes in the UK,” he said.
“All of our policies are designed especially for the out of the ordinary and our staff have a high degree of knowledge of quads and ATV insurance.
“Each risk will be individually calculated by our expert staff, who can apply their judgement and experience to cases that would flummox a computer!”
As with all insurance, drivers should choose their policy based on the value it holds for them rather than the cheapest policy available - mistakes tend to be extremely costly.
* Contact Bikesure on 0800 3698590 or email email@example.com.
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