Insurance Blog

Quad bikes are typically associated with riding around woodland on the weekends or they are often seen on farms. A rugged, all-terrain vehicle that you never bought for using on the public highway, it might be tempting to put any need for offroad quad insurance well to the back of your mind.

Overlooking the need for insuring your quad bike, however, might prove a costly oversight. Here are some of the reasons why:

• you might not intend to do much riding along the public highway, but you still need to get quad to those offroad locations you’re after. However short the journey, if the bike’s on the road, the law requires you to hold a minimum of third party insurance. If you are not protected for third party it might land you with an expensive fine – or worse:

• You might also wish to consider the fact that your quad might breakdown or be involved in an accident and of course this comes with expense. Offroad quad insurance is capable of helping you save on expenses in the event of if your bike was damaged or destroyed due to fire, or if was stolen;

• if you take your quad bike to events it has to be transported and things may go wrong during transportation. Typically insurance may protect your quad in transit;

• if you’re using the bike as a means of getting around the farm or elsewhere, you might already have considered setting off its costs as a business expense. While a quad may be an excellent method of transport around the workplace it is essential to ensure the insurance providers knows you are using it at work;

• if you employ people who are also likely to be riding the bike – whether on- or off-road – you may be held liable as their employer for any injuries they sustain or damage they cause. Their use of the machine is likely to be an important feature of any employer’s insurance which you might in any event be required by law to hold;

• if you are looking for exclusively offroad quad Insurance, it is still worth remembering the risk of third party claims from other people and members of the public you might encounter. injuries they might suffer as a result of your riding the machine, or damage to their property, might render you liable and facing hefty claims in compensation.

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