How to find quad bike insurance
Quad bikes and All-Terrain Vehicles (ATVs) are non-standard vehicles, which might make them difficult to insure. Some motorbike insurance providers might not even offer you cover due to the risks associated with riding them, especially when it comes to making them road-legal. That’s where our partner BeMoto could help.
BeMoto lets you compare quotes online from a wide range of approved motorbike insurers. In just a few minutes you can get a quad insurance quote that meets your needs and your budget.
BeMoto works with a panel of trusted insurers to provide affordable quad bike cover for a range of road-legal quad bikes, utility terrain vehicles (UTVs) and ATVs.
BeMoto offers:
- £100,000 of motor legal protection cover on all policies
- No broker fees for making changes to your policy
- Cover tailored to suit you and your quad, ATV or UTV
What does quad bike insurance cover?
Exactly what you’re covered for depends on what level of quad bike insurance you choose.
When do you need to tax a quad?
You need to tax a quad if:
- You’re using it on public roads, even if this is only to drive to off-road riding spots
- You’re parking it on a public road
- It’s a farm quad, but you’re driving it further than 1.5km on public roads
You don’t need to tax your quad if:
- You only ever ride it off road
- Its never parked on a public road
- It’s a farm quad and you drive it less than 1.5km on public roads
Need more help?
Are quad bikes road legal?
The majority of quad bikes aren’t road legal and that’s because they don’t meet strict road safety standards.
The manufacturer of the bike will be able to tell you if yours meets the required road safety standards. If it does you’ll need to register it with DVLA, insure it and get an up to date MOT (if it’s more than three years old), before you ride it on a public road.
Can I carry passengers on a quad bike?
Yes, but only if it is designed to carry passengers and has the correct amount of seats. It’s important to ask the manufacturer if you aren’t sure.
How do I compare quad bike insurance?
It’s easy to compare quad bike insurance with our partner, BeMoto. It offers cover to suit your needs and budget from a panel of approved insurance companies.
Do I need to wear a helmet on a quad bike?
In England, Scotland and Wales there’s no legal requirement to wear a helmet if you’re riding a quad bike. However, while you aren’t obliged by law to wear a helmet it’s still a sensible bit of safety kit - especially if you’re riding on public roads.
In Northern Ireland the law is different and you could be fined £500 if you’re caught riding a quad bike without a crash helmet.
What our motorbike insurance expert says
Whether it’s used for work or for a bit of fun on the weekend, if you use a quad on a public road you need insurance. Your options can be quite limited shopping around online, so calling BeMoto could see you get a competitive quote.
Jack Cox
Motorbike insurance product manager
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