If you want to drive your quad bike on the roads then you need to take out road legal quad bike insurance. Even if you mainly use your quad bike to ride through woodland areas you still might need to travel along roads to arrive at your destination. If this were the case then you may still need to have insurance for on road no matter how little you journey on the roads.

Off road insurance with added on road cover – When applying for off road insurance for your quad bike the provider will generally include so much protection when driving on the road. This is because you may have to go on road to get to your destination. However when you take insurance this way you do have to bear in mind there may usually be a limit as to the amount of miles you may be able to commute away from home on your quad.

On road or off road
Of course, when you buy your quad you may have to decide what use it may get, as this may affect the type of insurance you may look for. For instance, if your main use were travelling on road with your quad then you may need to ensure that you had adequate road cover for your bike. The policy mentioned above might not provide enough road cover.

Liability protection – You might want to find out if your policy includes liability insurance. Liability insurance protects against events such as you causing accidental damage to a third parties property. It may also cover injury to a third party that was your fault. Liability insurance may be essential if you wanted to enter a rally or event with your quad bike, as organisers will insist you have this insurance.

European insurance – If you wanted to take part in events and shows in Europe then you may need to check in the terms of any policy you were considering for European cover. European cover also known as green card insurance stops you from having to apply for insurance at the border of any country you wanted to enter. It may be needed, as your standard UK insurance policy may not provide protection outside of the UK.

Cover for the family – When you search and compare for road legal quad bike insurance you might want to check how many riders the insurance policy may cover. Usually it will protect more than one family member but there may be a limit as to how far the insurance may stretch.