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Home Quad Insurance Security requirements quad

What security requirements must your quad meet?

Of course, you always want to prevent your quad from being stolen. To secure your quad against theft, the use of an approved ART lock is recommended. But with which quad insurance is such a lock compulsory? Which risks do you run when your lock does not meet the insurer's requirements?

Required lock for your quad is ART 4

For quad insurance with third-party liability + theft and fire or third-party liability + theft, fire and collision, the insurer imposes a security requirement. This is because with these forms of insurance, the insurer assumes the theft risk. The lock used must then be a so-called ART lock. With such quad insurance, you must have at least an ART 4 lock on your quad and be in possession of both original keys, at least one of which must have signs of use. If you do not use an approved lock, there is no coverage in case of theft. Therefore, check carefully whether your lock meets the insurer's requirement. With basic third-party coverage there is no theft coverage anyway, so there is no requirement of the insurer regarding the lock.

Night storage

At night, the motor vehicle must preferably be stored in a properly locked space. In this space, the motor vehicle must be locked with an approved ART 4 lock. Is it not possible to store the vehicle in a properly locked room at night? Make sure the vehicle is out of sight of the public highway. Use an approved ART 4 chain lock or U-lock to attach your motor vehicle directly to an ART approved wall or ground anchor, or to an earth and/or nail resistant object. Is it not possible to place your motor vehicle out of sight and/or to secure it to earth or nails? Then your motor vehicle must be locked with the standard locks and an ART 4 approved lock.

SCM security

Some quads have an additional security requirement. The requirements depend on the catalogue value of the quad. You can find out whether your quad should comply with one of the SCM M classes below in the policy conditions and/or the clause sheet.

Class M1
Consisting of a system that automatically engages and prevents the quad from moving under its own power, no detection and no alarm.
- Blocking on the engine management
- Attack resistance minimum 3 minutes

Class M2
Consisting of a system that automatically engages and prevents the quad from moving under its own power, alerting by emergency siren, extended with tilt detection.

- Optical signaling
- Movement detection
- Acoustic signaling through an emergency siren

When you purchase this SCM security, you will receive a KIWA SCM (Stichting Certificering Motorrijtuigbeveiliging ) certificate that is valid for three years. After that, you should have your quad security checked every year by a recognised company in order to be compensated for any damage. A KIWA SCM certificate is proof of protection, should you wish to claim damage or quad theft on the quad insurance.

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quad security requirements

What if my quad does not meet the insurer's requirements?

Check whether your quad meets modern security requirements. Insurers increasingly demand a well secured quad. Should you wish to claim damage or theft of your quad on the quad insurance, but it turns out that the security requirements have NOT been met, then an additional excess may be applied or even not paid out at all.

Do you have questions about your lock or quad insurance? Please contact us via chat or by phone

Calculate the premium for quad insurance

To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.
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