When the word “quad bike” is mentioned the majority of individuals think of owners using them on dirt tracks, jumping over hills and traversing woodland. However, there are sturdy, robust models that are also used and that can be legal on the roads. If you have or are planning to buy a quad bike with the intention of taking it on the roads in the UK, you need to consider road quad bike insurance.

When looking for insurance for your quad bike you may want to look with specialist providers as many general insurance companies may fail to offer specialist types of insurance. Often a specialist provider will offer an insurance policy that will provide insurance for both on and off road driving. However, some providers may state that you are only protected when driving on road a certain number of miles from your home. If you wish to travel outside of this mileage area then you may have to find a policy strictly aimed at driving on road.

Find out how many members of your family may be covered to use the quad bike. Usually a policy will provide protection for more than one individual but there may be a limit set as to the maximum amount of individuals covered.

You may want to ensure that when purchasing your new quad it may be road legal as there are quads solely for off road driving and of course, you may not be able to take an off road quad on the roads legally. With this in mind, it may pay to do a little homework before rushing into spending thousands of pounds on a quad bike.
When considering on road insurance for your quad you also have to consider where you will be driving your quad. If you travel outside of the UK and into Europe and you tow your quad with you with the intention of using it in Europe you will need what is called European cover. European cover may stop you from having to obtain insurance at the border of each country you visit. Of course, you may need to check the regulations in any country before your visit to make sure that your road worthy quad may be legal on roads in Europe.

Any road quad bike insurance, as with any other type of insurance, comes with terms, conditions and limits. Therefore, never jump at the first “cheap” policy you find. Going over the small print of any policy you are considering is essential if you want to avoid any nasty surprises if you should have to make a claim on the insurance.