When you come to choose an insurance policy to cover you for your quad bike you may well be given a range of different options. The most common factor that will help you choose the right kind of cover in this situation is how you will use your bike. So, for example, you may have to choose between offroad quad bike insurance and a policy that gives you road legal cover.

Some policies may, of course, give you cover for both options but you may find that you don’t need such comprehensive insurance if you will only use your quad bike for offroad riding. So, what are the differences between these options? Does offroad insurance cost the same as road legal cover?

The main difference you’ll see is your liability cover with a road legal bike. If you can and will use your bike on standard roads then you have to have by law some form of third party cover. This helps protect you and any people who you may be involved in an accident with.

Offroad quad bike insurance, however, doesn’t have to come with third party cover. This may well mean that insuring your bike offroad could be more cost effective than going for a comprehensive policy. Do bear in mind, however, that you must have third party cover if you will ever use your bike on standard roads.

In terms of the general offroad cover that you might buy you will be offered a range of standard vehicle insurance features such as fire and theft, for example. You may also want to look at policies that give added extras if these might be useful for you. So, for example, you could insure multiple riders, accessories and even your quad bike tools if you wish.

Quad bikes are viewed as specialist vehicles by many standard insurers and, if they will sell you offroad quad bike insurance, they may well charge more if they don’t regularly insure this kind of bike. Many people looking for insurance cover for this kind of vehicle will recommend talking to a quad bike/offroad/specialist bike insurance service as an alternative to make sure that you get the exact cover for your needs.

Get a free, no obligation Quad Bike Insurance quote with Adrian Flux