When considering any quad bike insurance quote you not only have to compare the cost of the insurance. While of course keeping down the quotes is a priority, it should not be the only one. Often in insurance, you get what you pay for, as with any product you buy. If you take the first insurance policy solely based on the cost, it might not provide the protection you need. Therefore, you may want to check out the benefits, terms, conditions and limits in the insurance policy.

Benefits and features you may need in your quad insurance policy

Your quad bike insurance will come with the standard benefits of course. These may include parts protection for your quad, cover against theft of your quad or damage to it in an accident. However there are also many other features and benefits you may get in your policy and these may depend on the provider.

• Check to find out if the policy provides protection for both on the road and off the road driving. If the policy will pay out for both you may want to check the limits on the amount of miles you can commute on the road with your quad bike, as all providers will set a maximum amount.
• Does the policy cover both utility and sports quads? Some protection might just cover one or the other or both so you may have to check the policy will meet your needs.
• Find out if the provider offers protection for your accessories along with the quad itself. These may for example include crash helmet or tools that you carry on board your quad.
• If you intend driving your quad in events or rallies then you may want to check whether your quad will be insured whilst it was in transit.
• Should you want to travel outside of the UK and into Europe you will typically need to have European cover in with your quad bike insurance. This can also be termed green card cover and means that you may not have to apply for insurance at the border of any country you visited.
• Check in the terms and conditions to find out if your insurance includes liability protection. Liability protection may payout in the event that you were to damage a third parties property or cause injury.
• If other family members also drive the quad bike, you may want to check in the policy to find out how many individuals the policy covers. Usually the policy may provide protection for more than one but there may be a limit.

As you can see from the above, there are many considerations you may want to take into account, and all of these may affect your quad bike insurance quote. While you want to make savings, cheap may not necessarily be the best for your needs. If you choose to search and compare the cost of insurance online, you may get the best of both worlds when it comes to cost and features.