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 the next of kin after death. The accident passenger insurance offers coverage for injury or death of the passenger, but the driver is also insured in this supplementary insurance.

When is the accident passenger insurance paid out?

This insurance pays out if a passenger on the quad dies as a result of an accident. A one-off sum is paid out to the surviving relatives. This amount can be seen as a small compensation. In the event of permanent disability, a payment will also be made. The one-off amount will not be sufficient to cover loss of earnings.

Is the accidental occupant insurance a good idea?

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