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We pick out the fine print for you

"Comparing quad insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your quad insurance every year."

photo Laura van Maarschalkerweerd

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Your quad insurance coverage

Third-party liability (mandatory)

  • Free recovery service
  • Damage to others
  • Theft and fire damage
  • Damage to own quad

WA Theft and Fire

  • Free recovery service
  • Damage to others
  • Theft and fire damage
  • Damage to own quad

WA Theft, Fire and Collision

  • Free recovery service
  • Damage to others
  • Theft and fire damage
  • Damage to own quad

All about quad insurance

A quad bike is a special vehicle. As with a car, you must take out insurance for a quad. Third-party insurance is mandatory. For example, if damage occurs while using the quad, the insurance can pay for the damage to others for you. Third-party insurance is the cheapest coverage you can get, and any additional coverage makes the premium higher. In some cases, with more comprehensive coverage, insurers may pay out for theft damage, fire damage or damage to your own quad. By comparing, you can save on different coverages. For a more expensive quad, more comprehensive coverage is often desirable.

Tailor-made quad insurance

Alpina's cheap quad insurance is tailored for average quad or trike use. The insurance can be expanded to include accident-occupant insurance, damage-occupant insurance and legal expenses insurance. So you can choose a quad insurance policy that meets your exact needs.

Compare quad insurance

Because you don't want to pay too much for your quad insurance, Alpina lets you compare cheap insurance with just a few clicks. No hassle with application forms and signatures sent through the mail. Just simple online.

Enter the quad's registration number, the number of claim-free years, the date of birth of the youngest driver and the postal code, and compare the cheapest insurance within a few minutes.

After you compare, you can also purchase the insurance directly online, and in most cases, coverage is immediate. The quad insurance policy will be sent to you by mail.

Click here for frequently asked questions on quad insurance.

Cheap quad insurance

You don't want to pay too much for your quad insurance. Through our website, you can easily compare and purchase cheap quad insurance. All you have to do is fill in the details below:

  1. The registration number of the quad
  2. The number of claim-free years
  3. The age of the youngest driver
  4. Your zip code

That way you can compare the cheapest insurance within minutes.

Compare quad insurance

When comparing quad insurance policies, it is important that you choose the right coverage for your quad. Possible coverages in quad insurance are:

All possible coverages are briefly explained below. You can also click on the coverage, for more information.

Possible coverages in a quad insurance

Third-party liability (WA)

This is the basic coverage and cheapest quad insurance. It covers damage you cause with your quad to third parties, but not damage to your own quad. Read more.

WA + theft and fire

In addition to the third-party coverage, damage to your own quad is now covered, such as theft and fire damage. Damage to your own quad that you have caused yourself (by a collision, for example) is not covered. Read more.

WA + theft, fire and collision

This is the most comprehensive coverage for quad insurance. In addition to third-party coverage and compensation for theft and/or fire damage, damage to your own quad due to a collision is now also covered. Read more.

Recovery service

Alpina works with 112schade.nl to recover non-covered damage from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover the damage from the other party completely free of charge.

Riding a quad bike - know what you are doing

During the summer months, many Dutch people abroad get involved in a traffic accident with a quad bike. In the summer holiday resorts, they are indeed rented out cheaply, but you have to know how to handle these motor vehicles.

Every year during the summer vacations, several Dutch people are involved in serious traffic accidents involving a quad bike. The motor vehicle is also becoming increasingly popular in the Netherlands. This is evident from the number of accidents in our country.

The power of a quad is underestimated

On a quad bike, you have a greater sense of safety compared to a motorcycle. Inexperienced riders on these vehicles must learn the power and speed well before riding them for long stretches. People with a driver's license also think they can control a quad bike, but it is not comparable to driving a car. This is evidenced by accident statistics. Between 2009 and 2013, 540 quad drivers ended up in the emergency room each year. Typically, 13% of the cases involved accidents involving stationary objects. Thus, the drivers were not in sufficient control of the vehicle.

Tips for better safety

You can increase road safety by observing the following tips.

Tip #1: Always wear a helmet. Even if it's not mandatory.
Tip #2: Don't go sport riding right away. Get well acquainted with the quad bike first.
Tip #3: Don't ride too fast around corners. This prevents accidents.
Tip #4: Wear adequate protective clothing, preferably special motorcycle clothing.
Tip #5: Do not take a passenger unless the vehicle is suitable for it

Frequently asked questions about quad insurance

Does the CC affect the cost of my quad insurance?

Insurers routinely look at a number of factors when calculating the premium. These include your age and place of residence, as well as the value of the vehicle you want to insure. But do they also look at the number of CC of the quad? We are happy to explain it to you!

Can you drive a quad bike on public roads?

Five different types of quads can be distinguished. First, you have the quad that is not approved for public roads. It can be used, for example, for driving on private property. In addition, you have four types that are allowed on public roads. The requirements differ for each type. There is special quad insurance for these quads. The other four types fall under the following headings:

  • Approved as a moped
  • Approved as three-wheeled motor vehicle
  • The heavier variant can be used as a passenger car
  • The heavier version as a company car

The legal requirements imposed depend on what type of motor vehicle the quad is equated to.

What does quad insurance cost?

The amount of the premium for your quad insurance depends on several factors, including:

  • The coverage you choose
  • The weight of the quad
  • The number of claim-free years
  • The age of the youngest driver
  • Your zip code

Based on these factors, the premium is determined and you will know exactly how much insurance for your quad will cost.

What determines the amount of the premium?

To determine the cost of your quad or trike insurance, our system looks at several factors:

  • Which coverage do you choose? A WA + Theft,Fire and Collision coverage is more expensive than a WA coverage.
  • What is the weight of your quad or trike? A heavier quad can cause more damage than a light quad.
  • How many claim-free years do you have? The more claim-free years you have accumulated, the lower the cost will be.
  • What is your age? Often younger drivers pay more than older drivers because on average they incur more damage.
  • What hometown do you live in? If you live in a busy city, more accidents may happen and you will pay more premium.

Based on these factors, the insurance company calculates the cost of your quad insurance.

What is a quad?

A quad bike is a four-wheeled motorbike or moped, in other words a motor vehicle. Depending on the - by construction determined - maximum speed, mass and net maximum power, quads are classified by the law as a moped, three-wheeled motor vehicle or passenger car.

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