Quad insurance calculation and conclusion
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A quad bike is a special vehicle for which, like a car, insurance is mandatory. The basis is the third-party insurance: the cheapest coverage, which only compensates for damage to others. If you choose more extensive coverage, then damage due to theft, fire or collision can also be compensated. The more extensive the coverage, the higher the premium.
Your quad insurance coverage
WA (mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to your own quad
WA Theft and Fire
- Damage to others
- Theft and Fire Damage
- Damage to your own quad
WA Theft,Fire and Collision
- Damage to others
- Theft and Fire Damage
- Damage to your own quad
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Civil liability (WA)
Third-party insurance is mandatory for anyone who owns a quad bike. This is the basic and immediately the cheapest form of quad insurance. This insurance covers damage you cause to others with your quad. This can be minor damage to your eyes, but also injuries with high costs. Damage to your own quad is not covered.
Third party liability + theft and fire
In addition to the mandatory third-party insurance, you can also choose third-party + theft and fire. This coverage goes beyond damage you cause to others. You are also insured for theft, attempted theft, joyriding and damage caused by fire, short circuit, explosion or lightning. Damage to your own quad that you have caused yourself (by a collision, for example) is not covered.
Third party liability + theft, fire and collision
The third-party liability + theft, fire and collision is the most complete insurance for your quad. In addition to damage you cause to others, you are also insured against theft (including joyriding or attempted theft), fire (including from lightning or explosion) and damage to your own quad due to a collision or vandalism.
When do you choose which coverage?
Actually, it's very simple. First, you choose the most comprehensive quad insurance. Do you think the premium is too high compared to the value of your quad? Then you take an insurance policy with less coverage. That's the advantage of comparing: you get instant offers from multiple insurers. Thus, it may happen that you can insure your quad with one insurer with third-party liability + Theft, Fire and Collision, for the same amount that you get with another insurer only for third-party liability + Theft and Fire.
We pick out the fine print for you
"Comparing quad insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your quad insurance every year."
Laura - Expert Insurance
For 12 years of expert insurance
Additional coverages
Standard quad insurance reimburses passenger injuries only if there is a liable party. Injury to the driver himself is not covered. You are therefore better protected with additional passenger insurance.
In practice, claims-payer insurance offers the most complete coverage, but the choice depends on your needs and budget. You can also get extra security with legal expenses insurance. So you can easily put together an insurance policy that suits your situation.
You can expand coverage to include:
Accidental occupant insurance
Accidental occupant insurance pays a fixed amount in the event of death or permanent disability following an accident involving the quad bike. This applies to both the driver and passengers. The amounts vary by insurer. For example, €5,000 is paid in the event of death and €22,500 in the event of permanent disability. This benefit is intended as an allowance, but does not cover all expenses or loss of income. It is relatively inexpensive insurance, but coverage is limited.
Passenger damage insurance
Passenger indemnity insurance offers much broader coverage. Instead of a fixed amount, actual damages are compensated. Think of loss of income due to disability or high medical costs. Property damage, such as clothing or luggage, is also covered by this insurance. Both the driver and passengers can make a claim, even if the driver himself is liable for the accident. The premium is higher than accident-passenger insurance, but the coverage is much more comprehensive.
Legal expenses insurance
Legal expenses insurance offers legal help in case of conflicts, for example after an accident with your quad bike. The insurance takes the costs and contact with the other party out of your hands, so you don't have to deal with expensive lawyers or lengthy procedures yourself. This can provide a lot of peace of mind and security if you find yourself in a difficult dispute.
Quad insurance compare and close
At Alpina you compare easily online. Within minutes, you'll see the cheapest options. Have you made a choice? Then you take out the insurance immediately and, in most cases, you are insured immediately. Here's how it works:
Policy conditions of quad insurance
Policy terms and conditions are often long and hard to read, but important. That's why we highlight the most important points for you.
Own risk
The deductible is the portion of the damage you pay yourself. Not all insurers charge this, but often it is an amount up to €150. So for a damage of €1,000 and a deductible of €150, the insurer will pay out €850.
A higher premium often applies to younger drivers (up to age 24). In addition, sometimes the policy stipulates an additional deductible for claims made by young drivers.
Separate rules apply to windshield damage. You often do not pay a deductible for repair, but you usually do for replacement. Insurers often work with fixed repair companies.
Duration and cancellation
A quad insurance policy typically runs for one year and then is renewed for one year at a time. After the first year, the insurance can usually be cancelled daily, sometimes with one month's notice. When selling the quad, you can always cancel immediately, even during the first year.
Claims and exclusions.
Insurers often send damage repairs to affiliated repair companies. If you choose such a company, your deductible may be lower.
In the case of damage under the influence of alcohol, the insurer is strict. The damage to the other party will be compensated, but the insurer can then recover the entire cost from you. This can involve large sums of money.
In addition, there are situations where the insurance does not provide coverage at all, such as when participating in speed contests, renting the quad bike or riding without a valid driver's license. Read all the exclusions in the policy terms and conditions.
Bonding abroad
In a collision abroad, a bail deposit may be required, such as to free your quad or yourself. The insurer advances this bail.
Practical tips for safe driving
Quads are powerful vehicles and require experience to drive safely. Inexperienced drivers often underestimate speed and power. These tips will help you reduce your chances of accidents:
Wear a helmet, even if it is not mandatory 2.
2. Get acquainted with the quad at a leisurely pace before going for a sporty ride.
3. Do not take turns too hard; this prevents skidding and tipping.
4. Wear protective clothing, preferably motorcycle clothing.
Carry a passenger only if the vehicle is suitable for it 5.
Frequently asked questions about quad insurance
What is a quad bike?
A quad bike is a four-wheeled motorcycle or moped and therefore falls under motor vehicles. Depending on its maximum speed, weight and power, a quad bike can be considered a moped, three-wheeled motor vehicle or passenger car according to the law.
Can you drive a quad bike on public roads?
Five different types of quads can be distinguished. First, you have the quad that is not approved for public roads. It can be used, for example, for driving on private property. In addition, you have four types that are allowed on public roads. The requirements differ for each type. There is special quad insurance for these quads. The other four types fall under the following headings:
- Approved as a moped
- Approved as a three-wheeled motor vehicle
- The heavier variant to be used as a passenger car
- The heavier variant as a company car
The legal requirements imposed depend on what type of motor vehicle the quad is equated to.
What category does my quad fall under?
The term quad bike is a broad term. A quad can be registered as a moped, but sometimes as a motorcycle or even as a passenger car. Which license you need depends on the label attached to the license plate. This label also determines what type of insurance you need.
You'll find this information on the license plate. Don't have it handy? Then you can also look it up on the RDW website.
To compare insurance policies, you don't have to go looking for it yourself. On Alpina.nl , simply enter the requested data and you will immediately see which insurance best suits your quad. Is your quad registered as a moped? Then you can assume a moped or scooter when comparing.
What do you need to know to insure your quad?
When taking out insurance, you will be asked questions about the regular driver and about the quad itself. With your registration card, you can easily answer these questions. They usually involve the following information:
- License plate
- Year built
- Weight
- Cylinder capacity
- Power in kW
What does quad insurance cost?
The amount of the premium for your quad insurance depends on several factors, including:
- The coverage you choose
- The weight of the quad
- The number of claim-free years
- The age of the youngest driver
- Your zip code
Based on these factors, the premium is determined and you will know exactly how much insurance will cost for your quad.
What determines the amount of the premium?
To determine the cost of your quad or trike insurance, our system looks at several factors:
- Which coverage do you choose? A WA + Theft,Fire and Collision coverage is more expensive than a WA coverage.
- What is the weight of your quad or trike? A heavier quad can cause more damage than a light quad.
- How many claim-free years do you have? The more claim-free years you have accumulated, the lower the cost will be.
- What is your age? Often younger drivers pay more than older drivers because on average they incur more damage.
- What hometown do you live in? If you live in a busy city, more accidents may happen and you will pay more premium.
Based on these factors, the insurance company calculates the cost of your quad insurance.
Does the CC affect the cost of my quad insurance?
Insurers look primarily at factors such as your age, residence, weight and value of the quad when calculating the premium. You often fill in the cubic capacity (CC) when you take out a policy, but usually this does not affect the amount of your premium. The weight of the quad does play a role, because a heavier quad can cause more damage.
What does CC actually mean?
CC stands for cubic centimeter (cubic inches) and indicates the engine's displacement. The larger the cylinders, the more power the quad usually has.
Examples of quads with different CC
- 700 CC: Powerful and often expensive quads, such as the Yamaha Raptor. These usually fall under passenger or commercial vehicles. Proper insurance is then extra important.
- 400 CC: Common quads. You can choose from WA, WA + Theft and Fire or all-risk (WA + Theft, Fire and Collision).
- 350 or 250 CC: Often agricultural quads. If they do not go on public roads, registration and insurance is usually not required. Always check this with the RDW.
Can I purchase quad insurance as an 18-year-old?
Yes, you can. For any motor vehicle, including a quad bike, you are required to have at least third-party insurance. As mentioned above, insurance policies for young drivers are more expensive (up to age 24), and so are policies for 18-year-olds. Some insurers also charge an additional deductible.
Still want to save money? Choose the coverage that matches the value of your quad. For a new or expensive quad, comprehensive coverage (Third Party Liability + Theft, Fire and Collision) is often wise. If you have an older or cheaper quad, then more limited coverage may be sufficient and you'll pay less premium.
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