Supplements to Quad Insurance
In addition to quad insurance, you can choose to purchase supplemental insurance. Which ones can you choose and what is the function? Not all supplements are always recommended. You should also avoid having double insurance. Only take additional coverage on your quad insurance if it really adds value for you.
Insuring yourself and the passengers
With quad insurance, you insure at least liability for damage done with the quad. Optionally, you can also insure damage to your own quad. There are a few additional insurances to ease the financial suffering for yourself and your passengers in the event of an accident.
Accident insurance
An accident can result in serious injury or death. Accidental occupant insurance provides lump sum compensation in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or passengers. You can partly determine the amount. In case of disability, the benefit is not sufficient to make up for the loss of income due to the disability. Most policies involve a benefit of tens of thousands to about a hundred thousand euros, and in the event of death, a lower amount is insured. Basically, you can determine the number of people you want to insure.
The passenger indemnity insurance
This insurance is more expensive than accidental passenger insurance, but the coverage is also much broader. In addition to paying out for personal injury, this insurance also pays out for property damage resulting from an accident. For example, there is coverage for damage to passengers' belongings. In terms of personal injury, passenger indemnity insurance is also much broader. Both the driver and the passengers are paid the actual damages suffered. Suppose a passenger becomes disabled due to an accident with the quad bike. From the passenger's indemnity insurance follows a payment where the injured party is fully compensated. This can total hundreds of thousands of dollars in permanent disability.
Legal expenses insurance
In some situations, you have to file your claim with the person who caused the damage. Normally this is not necessary with the most extensive third-party liability + theft, fire and collision insurance. This is because the insurer itself already pays for the damage to your quad with that insurance. If your quad has third-party or third-party + theft and fire insurance, recovering your damages from the other party is not insured. For this, you can take out legal assistance insurance. After damage, the insurer will take care of recovering your damages.
Legal expenses insurance for motor vehicles
This insurance also provides for the recovery of damage from the person who caused it, but the cover is broader than that of the recourse legal expenses insurance. You can also call in the insurance for a dispute with a quad dealer, for example. Or with the garage because there is an issue about the repair costs. You can even call on this insurance for legal assistance in the event of prosecution following an accident. Specific requirements may apply to be able to call on legal assistance insurance for motor vehicles.
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