Quad insurance policy terms and conditions.

What is the deductible in quad insurance?

The deductible is a portion of the damage you keep at your own expense. Not all insurers use a deductible. If they do, it is often an amount up to €150. For a damage of €1,000, you will be paid €850 assuming a deductible of €150. Insurers use deductibles to discourage policyholders from claiming.

A higher deductible for young drivers

Young drivers often pay a higher premium until they are 24 years old. Insurers do this because, compared to older drivers, they are more likely to sustain damage. For some insurers, this does not go far enough. They also impose an additional deductible in the policy conditions in case damage is incurred by young drivers. Not all insurers do this.

Excess for windshield damage

A different deductible applies to windshield damage. If window replacement is not necessary, there is often no deductible. The insurer may refer you to a particular glass repairer in your area. If the car window is replaced, a deductible often does apply. The amount again depends on where you go for the windshield replacement. Insurers may refer you to repairers that have contracts with them.

Quad insurance cancellation

The quad insurance has a standard term of one year. After the first year of insurance, the insurance is renewed again for one year. After the first year of insurance, the insurance can be cancelled daily. Some insurers use a notice period of one month. This is allowed. When canceling the quad insurance on April 5, the insurer may terminate the insurance as of May 5. When selling the quad, the quad insurance can be cancelled immediately. Also logical, after all, there is nothing left to insure. Also during the first year, the insurance can be cancelled when selling the quad.

Claims management by the insurer

For damage repairs, insurers use damage control. That means you prefer to have the quad repaired at a repair shop designated by the insurer. They engage in damage control by, for example, reducing the deductible if you go to the affiliated bodyshop. This phenomenon also occurs in glass repair.

Getting behind the wheel with alcohol

Insurers are strict about damages where the driver was under the influence of alcohol. The insurer has the right to recover the damage amount from the party causing the damage. In a liability case, however, the other party is compensated for the damage. The insurer may then send the inebriated party responsible for the loss a bill for the damages. These types of recovery claims can involve large sums of money.

Other exclusions

There are other situations named in the policy conditions where there is no coverage. These include participating in speed contests or renting out the quad. Quad insurance also does not provide coverage when driving the quad without a valid driver's license.

Deposit

In the event of a collision abroad, you may face bail. In extreme cases, the quad can be confiscated. You may even end up in jail yourself. You get the quad back on payment of a deposit. This is taken care of by the insurance company. Even if bail is needed to get you out of jail again.