Additional coverages for a Quad

For yourself and the rider you want the best possible insurance. In case of injury due to an accident, you can have an amount paid out. In case of death due to an accident, you can have the next of kin receive compensation.

There are two supplemental insurance policies that are often purchased in addition to quad insurance. They are the following two supplemental insurance policies:

• Accidental occupant insurance
• Passenger damage insurance

Both insurance policies pay out a sum of money in the event of a claim due to an accident, but there are some important differences.

When does accidental occupant insurance pay out?

This insurance pays out in two situations. If the driver or rider is killed or permanently disabled in an accident involving the quad. The amount varies by insurer, but it can be seen as an allowance. For example, €5,000 is paid in the event of death and €22,500 in the event of permanent disability.

Opting for claims-person insurance

Compared to accident-on-occupant insurance, casualty-on-occupant insurance is the better choice. This is because the coverage is much broader. In case of permanent disability, the benefit is not a fixed amount, but the actual financial loss is paid. If the disabled passenger can no longer work due to the accident, the damage can easily run into the hundreds of thousands of euros. This insurance also pays out for material damage to the passenger.