Can I take out quad insurance as an 18-year old?
If you are 18 and have just bought a quad bike, then you must also insure it. This is because you are required to have at least third-party insurance for every motor vehicle. If you start looking for suitable quad insurance, you will notice that this is often a lot more expensive for an 18-year-old than for an older driver. At Alpina.nl , we explain to you why this is the case and how you, as an 18-year-old, can still obtain cheap quad insurance.
Quad insurance much more expensive for an 18-year old
Unfortunately, young drivers often pay a (much) higher premium for insurance. This is because insurers see younger drivers up to age 24 as a greater risk, because on average they cause more damage than older drivers. To cover this risk, they charge a higher premium for insurance. For some insurers, however, this does not go far enough. They also set an additional deductible in the policy conditions in case damage is caused. Not all insurers do this, but it is wise to read an insurer's policy conditions carefully before taking out insurance.
What other factors influence me besides my age?
In addition to your age, there are a number of other factors that influence the amount of the premium. These include:
- The coverage you choose
- The number of claim-free years you have accumulated (although this will not apply to an 18-year-old)
- The weight of the quad
- Your place of residence
An insurer looks at the weight of the quad, because a heavier quad can cause more damage than a lighter one. Your age is also important for the insurer. Younger drivers often pay more than older drivers, because on average they cause more damage. If you are a young driver, you must therefore take into account that the premium will be higher for you.
Cheap quad insurance for 18-year olds
The following applies to insurance: the more extensive the cover, the higher the premium. For an 18-year old, the most extensive quad insurance, WA + Theft, Fire and Collision, will therefore turn out to be quite expensive, because this is already the most expensive and most extensive cover. So when choosing the cover, also look at your quad. Do you have a very new or expensive quad? Then perhaps the most expensive insurance is a sensible choice. Do you have an older quad? Then you can also save on costs by taking out less comprehensive cover.
Take out quad insurance through Alpina
We have a suitable quad insurance policy for everyone. You don't have to buy the first the best insurance. By using our online comparison tool, you can first compare on price and content. This way, you can be sure that you are not taking out an overpriced quad insurance policy. Would you like advice or do you still have some questions? Then be sure to contact us! You can reach us by phone from Monday to Friday. You can also send us a message via chat, WhatsApp or Messenger.
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