May 29, 2019.

For work or play, it is important to find the right type of insurance to make sure your quad is adequately protected. What should you consider? Industry insurance specialist Bikesure outlines a few factors …

Quads are generally harder to insure than most vehicles, due to their specialist nature, and only a handful of insurers such as Bikesure, who handles motorbike insurance for Adrian Flux, will cover them.

It’s worth noting that third-party insurance is a minimum legal requirement for driving on UK roads. To use your quad on those roads, the driver must have a full UK driving licence and the vehicle requires a number plate, tax, insurance and MOT. If the vehicle has only been used off-road, these requirements must be fulfilled before it can be used on the road.

The engine size should be dictated by your requirements and experience, but will also affect the price of your cover. So while thrill seekers may be keen on the idea of larger engines (705cc-1,000cc) these are far from ideal for new riders. Quads that are 450cc-500cc are still powerful, but have much better handling and are considerably more cost-effective.

A quad bike can only carry passengers if it is designed to do so, and has the right number of seats. Despite the large seating space often provided, riders forget that they are sometimes not insured to carry a passenger. The extra space is there so the rider can reposition themselves in order to control the bike. It’s always best to check with the manufacturer if you’re not sure. Bikesure will cover for pillions on quads if the quad is designed to carry one.

A host of other factors like keeping your quad in a garage, shed or locked building can reduce your premium. Most mods, as long as they declared, are often also covered, while discounts are usually provided for customers with motorcycle no claims bonuses.

With great prices for quad owners, Bikesure offers a range of low-cost, high quality insurance service covering leisure, sports, utility, ATV and buggy models. And as a specialist broker, they can offer cheap cover whether your quad is used for off-roading fun, farm working or if you get your kicks at the weekend on a Yamaha Raptor 700R.

To get a free no obligation quote, call Bikesure on 0330 123 1028.

CLICK HERE to go to the Bikesure website.