If you own a road legal ATV and want to use it on public roads, you will need a vehicle insurance policy similar to those required for other road vehicles such as cars, vans and motorcycles. There are three types of quad bike insurance policies that have different levels of coverage to suit your individual needs; Comprehensive, Third Parties, Fire and Theft and Only Third Parties.
It is a personal choice which of the policies you think is the most suitable for your situation, but the choice should not be made without first having a level of understanding of what the different policies can offer you.
Integral
Comprehensive quad bike insurance policies are generally the most expensive available, but this is because they offer a full range of protection. The main advantage of having a comprehensive insurance policy is that if you are involved in a collision, even if it is deemed to be your fault, you will be awarded compensation to pay for necessary repairs to your quad. This means that you will not have to pay any additional costs other than your insurance premium.
Comprehensive insurance also protects your quad against damage from fire or theft; Both of these elements are real dangers to quads, so having cover against them is sensible.
The final element of a comprehensive insurance policy is that the insurer will pay for repairs and compensation to third parties in the event of a collision that is the result of your negligence or actions.
Third Parties, Fire and Theft (TPFT)
A TPFT policy will provide you with an adequate level of coverage, but will generally have a lower premium. Unlike an all-risk policy, TPFT insurance does not cover the repair of your vehicle in the event of an accident caused by yourself; this is the only difference though.
TPFT policies, as the name suggests, give you protection against fire and theft damage, which is particularly important as over £5m worth of quads are stolen each year.
Third Party Only (TPO)
If you’re looking for cheap quad bike insurance, then a third-party only policy may be right for you. A TPO policy is the minimum insurance requirement for your quad to be legal, and as such is generally the cheapest. However, it also provides the least amount of coverage.
TPO policies only pay for repairs and third-party compensation in the event of a collision caused by you. Damage repairs to your quad will not be paid for, which could leave you with a high bill. Similarly, you will not have protection against damage by fire or theft; That is why it is advisable to have at least one TPFT insurance policy on your quad.
If your quad is for off-road use only, it’s good to know that it doesn’t need to be insured to be used legally; you don’t even need a driving license to drive a quad on private land.
