When choosing insurance for your quad bike, you may first have to decide what it is you wish to do with the quad. If you want it just for roaming over hills and dales then you will need to take insurance, but if you want to drive on the roads then you also have to ensure that your policy will protect you for this. This is when thought needs to be given to ensuring you take out legal quad bike insurance.

Consider what you want out of your quad bike
If you are using your quad bike to take part in sporting events, rallies or shows, one of the considerations you will typically have is liability insurance. Liability insurance typically covers you in the event that a member of the public was to get hurt due to your actions whilst driving your quad bike. It may also protect you in the event you cause damage to the property of a third party whilst using your quad bike.

Liability insurance may also come in handy if you are using your quad bike for business, for example, getting about a nursery, garden centre or a working farm.
If you use your quad in events or shows and you plan to attend shows/rallies in Europe then you will typically need to have European insurance behind you. European cover is also known as green card insurance and it means that you do not have to apply for insurance upon reaching the border of each country. Your insurance policy for the UK may not provide legal protection for your quad bike in Europe, so it may be well worth adding this on if you plan to use your quad in Europe.

Check what is included in your quad bike insurance
You will get the usual protection when you take out quad bike insurance such as fire and theft but providers can also offer many extras in your insurance so what you get for your money may differ substantially between providers.

You might want to check to find out if you may have insurance for both on and off the road. Even if your main aim is to use the bike off road, there may be times when you may have to travel along the road to get to where you want to be and if you are not covered then you will be driving illegally. Often when purchasing off road insurance the provider may include on road insurance, providing you stay within so many miles of your home and this provides you with legal quad bike insurance.