A Beginners Guide
Beginners guide to quad bike cover
If you own, or are thinking of buying, a quad bike then you may well have already started thinking about the kinds of insurance cover you need. You cannot simply assume that a general vehicle policy will do the right job for you. You may be better off with a specialist quad bike cover option.
The quad bike insurance options that you look at may well depend on how you use your bike, who will ride it and what you use it for. So, before you choose a policy to suit you, you may want to think about what you actually need protection for. This may simply make it easier for you down the line to make sure that you get the right cover.
There are a few different features and benefits that you may be offered for this kind of insurance policy. These include:
- Off road cover
- On road cover
- Multiple or single rider options
- Cover for any accessories you may have on/with your quad bike
Of course, if you are using your bikes as part of a business rather than just for your own leisure purposes then you may well also need extra levels/different kinds of cover. This kind of specialist quad bike cover may be especially important to you if members of the general public will be riding on your bikes.
Common features offered for business use in addition to core insurance cover include:
- Public liability cover (for general riding and tuition)
- Employers’ liability cover (a legal requirement if you employ any staff)
- Legal expenses cover
It is also important to make sure that any policy you look to take out to give you cover for your quad bike will actually be valid for the bike(s) you use. Some quad bike policies will only cover certain makes and models whilst others will offer general cover for any kind of quad bike.
Your insurance needs will be very specific in this situation and you may well find, as many other bike owners do, that getting specialist advice from an insurer that offers a full range of quad bike cover may be your best option.
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