Add-ons to Quad Insurance
In addition to your ATV insurance, you can choose to purchase supplemental coverage. What options are available, and what do they cover? Not all supplemental coverage is always recommended. You should also avoid having duplicate coverage. Only add supplemental coverage to your ATV insurance if it truly provides added value for you.
Insure Yourself and Your Passengers
With ATV insurance, you’re at least covered for liability for damage caused by the ATV. You may also be able to insure your own ATV against damage. There are a few supplemental insurance options available to help alleviate the financial burden on you and your passengers in the event of an accident.
Passenger Accident Insurance
An accident can result in serious injury or death. Passenger accident insurance provides a one-time payment in the event of personal injury. This payment is made in the event of permanent disability or the death of the driver and/or passengers. You can partly determine the amount yourself. In the event of disability, the benefit is not sufficient to cover the loss of income resulting from the disability. Most policies provide a benefit ranging from tens of thousands to approximately one hundred thousand euros, and a lower amount is insured in the event of death. In principle, you can decide for yourself how many people you want to insure.
Passenger Liability Insurance
This insurance is more expensive than passenger accident insurance, but the coverage is also much more comprehensive. In addition to providing benefits for personal injury, this insurance also covers property damage resulting from an accident. For example, it covers damage to passengers’ personal belongings. When it comes to personal injury, passenger liability insurance also offers much broader coverage. Both the driver and the passengers are compensated for the actual damages they have suffered. Suppose a passenger becomes disabled as a result of an accident involving a quad bike. The passenger liability insurance provides a payout that fully compensates the injured party. In cases of permanent disability, the total payout can amount to hundreds of thousands of euros.
Legal Expense Insurance for Claims
In some situations, you’ll need to file your claim with the party responsible for the damage. Normally, this isn’t necessary with the most comprehensive third-party liability + theft, fire, and collision coverage. This is because the insurer itself will already cover the damage to your ATV under that policy. If your ATV is insured under third-party liability or third-party liability plus theft and fire coverage, recovery of your damages from the other party is not covered. For this, you can purchase legal assistance insurance for recovery of damages. After a loss occurs, the insurer will handle the recovery of your damages.
Legal Expense Insurance for Motor Vehicles
This insurance also covers recovery of damages from the party at fault, but the coverage is broader than that of legal assistance insurance. You can also use this insurance for a dispute with, for example, an ATV dealer, or with a repair shop if there is an issue regarding repair costs. You can even use this insurance to obtain legal assistance in the event of criminal prosecution resulting from an accident. However, specific requirements may apply in order to utilize the legal assistance insurance for motor vehicles.
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