Does quad insurance include coverage for personal injury?
The owner of a quad bike is required to take out quad bike insurance. This is because it is a motor vehicle, and there are dangers associated with it. The driver of a quad is vulnerable in traffic. A quad bike is more stable than a motorcycle, but it cannot be compared to a car in terms of safety.
Renting a quad bike during sun vacations is popular. This is evident from the accident figures. In countries such as Spain, Greece and Turkey, you can rent a quad bike cheaply, but renters do not sufficiently realize that driving a quad bike is something different from driving a car. The rental company generally arranges insurance, but that sometimes does not fully help the drivers themselves.
Quad insurance does not pay out in the event of driver injury
In the event of an accident, quad insurance will compensate the other party and the damage to the quad, if necessary. If the other party suffers personal injury due to your actions, the quad insurance will bear the burden, but not the burden if you, the driver, suffer injury yourself. If liability lies with the other party, the other party's insurer may be liable for your personal injury.
Are occupants co-insured?
Yes, personal injury to a passenger can be claimed on quad insurance. This is because the quad 's third-party coverage provides coverage against this. If the other party is liable for the damage, the rider can submit the claim to the other party's insurer. Even if a passenger on the quad dies, a payment will follow from the quad insurance. Of course, there must be liability
Supplemental choice of accident rider or damage rider insurance?
You can purchase these two policies in addition to quad insurance. Passenger accident insurance is cheaper than passenger indemnity insurance. There is also an important difference in the coverage. Passenger accident insurance pays a lump sum in the event of permanent disability and death of one of the riders. In case of death, for example, €10,000 and €25,000 in case of serious injury.
Passenger damage insurance, for example, also pays for damage to the passenger's belongings. Such as clothing or a bag. But this insurance also offers broader coverage for personal injury. With the €25,000 sum insured by the passenger accident insurance, the suffering is not yet compensated in case of permanent disability. Passenger accident insurance pays the actual damages. In the event of incapacity for work, the financial loss can be many times the amount of €25,000.
So additional insurance in addition to quad insurance is definitely recommended.
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