Can I purchase quad insurance as an 18-year-old?
If you are 18 and have just bought a quad bike, then you must also insure it. This is because you are required to have at least third-party insurance for every motor vehicle. If you start looking for suitable quad insurance, you will notice that this is often a lot more expensive for an 18-year-old than for an older driver. On Alpina.nl , we explain to you why this is and how you, as an 18-year-old, can still get cheap quad insurance.
Quad insurance a lot more expensive for an 18-year-old
Unfortunately, young drivers often pay a (much) higher premium for insurance. This is because insurers see younger drivers up to age 24 as a greater risk, because on average they cause more damage than older drivers. To cover this risk, they charge a higher premium for insurance. For some insurers, however, this does not go far enough. They also set an additional deductible in the policy conditions in case damage is caused. Not all insurers do this, but it is wise to read an insurer's policy conditions carefully before taking out insurance.
What other factors affect me besides my age?
In addition to your age, a number of other factors affect the amount of the premium. These include:
- The coverage you choose
- The number of claim-free years you have accumulated (although this will not apply to an 18-year-old)
- The weight of the quad
- Your hometown
Among other things, an insurer looks at the weight of the quad, because a heavier quad can cause more damage than a light(er) quad. Your age also matters to the insurer. Younger drivers often pay more than older drivers, because on average they cause more damage. Therefore, if you are a young driver, you should expect the premium to be higher for you.
Getting cheap quad insurance as an 18-year-old anyway
With insurance, the more comprehensive the coverage, the higher the premium. So for an 18-year-old, the most comprehensive quad insurance policy, the Third Party Liability + Theft, Fire and Collision, will be quite expensive because this is already the most expensive and comprehensive coverage. So when choosing coverage, also look at your quad. Do you have a very new or expensive quad? Then the most expensive insurance might still be a wise choice. However, do you have a somewhat older quad? Then you can also save on costs by taking a less comprehensive coverage.
Take out quad insurance through Alpina
We have a suitable quad insurance policy for everyone. You don't have to buy the first the best insurance. By using our online comparison tool, you can first compare on price and content. This way, you can be sure that you are not taking out an overpriced quad insurance policy. Would you like advice or do you still have some questions? Then be sure to contact us! You can reach us by phone from Monday to Friday. You can also send us a message via chat, WhatsApp or Messenger.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.