How do you insure a quad bike?
A quad bike is a registered vehicle that requires insurance. How do you go about it and where is the best place to get quad insurance? We'll help you out.
The term quad bike is a broad term. There are quads that are considered a moped, but they can also fall under the heading of passenger car or motorcycle, for example. So what license you need also depends on the label attached to the license plate. For insurance purposes, it also makes a big difference which type it is.
How do you insure your quad?
You cannot get away from the legally required third-party insurance. This insurance covers damage caused with or by the quad. If you find this coverage insufficient, you can choose the Third Party Liability + Theft and Fire. In addition to liability damage, the insurer also pays out in the event of certain causes of damage. For example, in case of theft of the quad or collision with stray animals, you will be paid for the damage to your quad. For example, the most comprehensive third-party liability + theft, fire and collision also pays for your damages if an accident occurs due to your fault. Of course, the most comprehensive quad insurance also costs you the most.
When do you choose which coverage?
Actually, it's very simple. You go for the most comprehensive quad insurance. Does the premium fall unreasonably high relative to the value of the vehicle? Then you opt for more limited coverage. That's the advantage of comparing. You get a proposal from several insurers at once. This allows you to insure your quad possibly WA + Theft, Fire and Collision for an amount for which you can get WA + Theft and Fire from another insurer.
What do you need to know to insure the quad?
When insuring, questions are asked about the regular driver and about the motor vehicle. With the registration card at hand, you can easily answer these questions. They include the following requested information:
- License plate
- Year built
- Weight
- Cylinder capacity
- Power in kW
Under what heading does your quad fall?
You can find this on the registration card. If you do not have it available, you can check on the RDW website to find out what type of motor vehicle the quad is. With this information, you can look for the most appropriate insurance. Fortunately, you don't have to shop around for good insurance yourself. You can make a comparison on Alpina.nl You enter the requested data and the most suitable insurance rolls out of the comparison.
For a quad bike that is considered a moped, you can assume a moped / scooter for comparison purposes. On the registration card, you can see how the vehicle is registered.
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