Quad bike insurance

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What is quad bike insurance?

Despite them having ‘bike’ in the name, most motorbike insurance providers won't be able to insure your quad bike.

Quads are primarily off-road vehicles, but for those that are road-legal, you need a car driving licence to ride them.

What does it cover?

Quad bike insurance covers your ATV for the cost of things like theft, fire or accidental damage to your quad.

It can cover you for driving your quad on and off the road.

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Whether you’re driving on road or off road, find the right cover for your quad today

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What does it cover?

That depends what type of insurance you take out.

Road legal cover

If you want to take your quad on the road, you’ll need road legal cover.

Road-legal quads have the same insurance requirements as all other road vehicles and should be covered at a minimum of third-party only cover.

You’ll have to decide what level of cover you need:

  • Third party only - covers you for damage to others only
  • Third party, fire and theft - covers you for third party damages as well as fire and theft
  • Comprehensive - covers you and your quad for damage as well as all of the above
  • Even if you don’t use the quad regularly, you’ll need to keep it taxed, insured and MOTed, unless you've completed a Statutory Off Road Notification (SORN).

For an additional cost, road-legal quad bike insurance can also include:

  • Breakdown cover
  • Personal accident cover
  • Helmet and leathers cover
  • Driving abroad

Off-road cover

Off-road cover can protect your quad from theft or fire damage but not always third-party cover.

You’ll have to let your insurer know where you intend to use the quad and for what purpose.

It's also worth asking your home contents insurance provider if you can list your quad in the same way you would a bicycle.

As with all insurance policies, double-check your policy cover terms and inform your provider of any changes you make to the quad's use or location.

You might want to add extra cover like accidental damage on to your policy, as it might not be included as standard in your policy.

To drive a road-legal quad bike on the highways you must have a full car licence, or a category B1 motorcycle licence if it was issued before January 1997

How to buy quad bike insurance

You can compare quad bike insurance with our partner, It’s Quad Bike Insurance.

It'll help you find specialist cover at a great price.

You’ll have to let it know things like where you intend to use the quad and for what purpose.

Once you’ve given it a few details, it’ll be able to match you with quad bike insurers and you can choose the right policy for you.

Types of quad bikes

Quads can be categorised into utility, sports and leisure models and your quad will be one of these types:

Sit-astride ATV

The classic motorbike-style quad with a straddle seat and handlebar operation.

Larger sit-astride ATVs offer seating for one additional pillion passenger.

Side-by-side ATV

Car-styled side-by-sides and buggies are operated with a steering wheel and have a roll-cage frame.

Many side-by-side ATVs have room for passengers (usually one but sometimes three or five) and/or space for additional materials.

Road legal (‘type-approved’)

Quad vehicles that comply with European road safety standards - these can be either sit-astride or side-by-side types.

The majority are purpose-built for road use by manufacturers, but enthusiasts are able to modify off-road quads and apply for Individual Vehicle Approval.

Quadricycle (L6e and L7e)

These are four wheeled microcars like the Renault Twizy.

They’re classed as light (L6e) or heavy (L7e).

Light quadricycles have an unladen weight of less than 425kg and can’t travel faster than 28mph.

Heavy quadricycles have a greater mass and can reach faster speeds.

What do I need to ride a quad bike legally?

To ride a road-legal quad bike on the highways you must have a full car licence, or a category B1 motorcycle licence if it was issued before January 1997.

The vehicle must be registered with the DVLA, taxed, have a valid MOT certificate and a minimum of third-party insurance cover.

Off-road quads don’t need any of the above and you can be any age to operate them.

However, you must only drive the vehicle on private land with the owner's permission.

When using an off-road quad for agricultural, horticultural or forestry use, the vehicle must be registered with the government as a light agricultural vehicle.

It can be driven on the road so long as it's within 1.5km of the site it's being used for work on.

Frequently asked questions

There's no law regarding the use of helmets on quads but it's highly recommended that you wear one.

Only if it’s a road-legal quad. If you’re using it off-road, it won’t need to be taxed.

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[1]Gocompare.com introduces you to it's Quad Bike Insurance to provide quad bike insurance quotes. All providers are authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with it's Quad Bike Insurance is limited to that of a business partnership, no common ownership or control rights exist between us