Accidental occupant coverage on a Quad

Accidental occupant insurance is one of the supplementary policies in addition to quad insurance. This insurance pays an amount in the event of permanent disability and death of the riders.

In the event of an accident, you would like to compensate the passenger or next of kin after death. Accidental passenger insurance provides coverage for injury or death to the passenger, but the driver is also insured in this supplemental insurance policy.

When does accidental occupant insurance pay out?

If a rider on the quad dies as a result of an accident, this insurance pays out. A lump sum is paid to the survivors. This amount can be regarded as minor compensation. In case of permanent disability, a payment also follows. The lump sum will not be sufficient to cover loss of income.

Is accidental occupant insurance recommended?

As the owner of a quad bike, you also feel responsible if a rider is injured in an accident involving the quad bike. With this insurance, you can at least do something to compensate the disabled passenger, but it is only limited coverage. A good alternative is claims-paying passenger insurance. This additional insurance offers broader coverage and also pays out in the event of material damage. Of course, this insurance is slightly more expensive, but the coverage is much better.