Does the quad insurance also cover personal injury?
The owner of a quad bike is required to take out quad bike insurance. This is because it is a motor vehicle, and there are dangers associated with it. The driver of a quad is vulnerable in traffic. A quad bike is more stable than a motorcycle, but it cannot be compared to a car in terms of safety.
Renting a quad bike during sun holidays is popular. This is also evident from the accident figures. In countries such as Spain, Greece and Turkey, you can rent a quad bike cheaply, but the renters do not realise sufficiently that driving a quad bike is different from driving a car. The rental company generally arranges insurance, but the drivers themselves are sometimes not fully aware of this.
The quad insurance does not pay out in the event of driver injury
In the event of an accident, the quad insurance may compensate the damage to the other party as well as the damage to the quad. If the other party suffers injury because of your actions, the quad insurance will bear the burden, but not if you yourself suffer injury as driver. If the other party is responsible, the insurer of the other party can be held liable for your personal injury.
Are riders co-insured?
Yes, personal injury to a passenger can be claimed on quad insurance. This is because the quad's third-party coverage provides coverage against this. If the other party is liable for the damage, the rider can submit the claim to the other party's insurer. Even if a passenger on the quad dies, the quad insurance pays out. Of course, there must be liability
Would you like to choose a supplementary accident or passenger indemnity insurance?
You can purchase these two policies in addition to quad insurance. Passenger accident insurance is cheaper than passenger indemnity insurance. There is also an important difference in the coverage. Passenger accident insurance pays a lump sum in the event of permanent disability and death of one of the riders. In case of death, for example, €10,000 and €25,000 in case of serious injury.
The passenger indemnity insurance also pays out for damage to the rider's belongings, for example. Such as clothing or a bag. But this insurance also offers a broader coverage in case of personal injury. The €25,000 insured by the accident rider does not yet cover suffering from permanent disability. The passenger indemnity insurance pays out the actual damage. In case of incapacity for work, the financial damage can be much higher than €25,000.
An additional insurance in addition to the quad insurance is therefore definitely recommended.
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