As with any type of vehicle that is driven, insurance may pay dividends and is generally required by law especially when driving your quad on road and when participating in events. This is because there are others on the road at the same time as you and there are riders and spectators at events. If you were to be involved in an accident, your quad bike cover typically pays towards any damages and if you have legal or liability insurance, it typically pays towards legal costs of a claim.

There are also potentially many other benefits to quad cover and we look at some of them here. It is important to note that policies may only offer some of these benefits and not all may be included within the cover, so do check what the cover entails.

• When considering insurance for your quad you have to ensure you have the correct cover. For instance, you may need a policy specifically for on road use or you may require an off road policy that includes some on road commuting cover. This is typically up to a certain mileage away from home so you may wish to check this and compare what other providers offer.
• If the whole family enjoys using the quad, a policy typically covers up to so many members of the same family. If you own more than one quad, you may be able to get a multi bike policy with some insurance providers, which may allow you to make great savings when compared to insuring the bikes on a separate policy.
• There are numerous types of quad bike so ensure that the policy you are considering covers your model or usage. For example, there are sports, leisure, performance, utility and children’s quad bikes.
• Legal cover is typically found in quad bike insurance and when providers offer this cover, they typically offer a maximum limit. You may want to check how much this is as some may offer more than others for the same cost in premiums.
• When looking for quad insurance and comparing the premiums check to find out if the provider offers savings for such as extra security precautions, you have taken.

Other ways to save on premiums, which may be taken into account, include a member of an owners club, limited mileage and experience in drivin

As with any type of insurance, quad bike cover typically comes with small print, which must be checked over to ensure that you know what is and is not insured. Look out for any exclusions which may render the cover invalid.