Quad bike insurance

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  • Specialist cover from it’s Quad Bike Insurance

  • Get a quote in less than 5 mins

  • Get road legal cover for your quad

Do I need quad bike insurance?

That depends on where you plan on riding your quad bike:

  • If you’re off-road, you don’t need tax or insurance for the quad bike. But you do still need to register it.
  • If you’re on a public road, you do need at least third-party insurance to be legal on the road. You also need to make sure that the quad has valid tax and an MOT certificate.

Even if you’re on the road for a few minutes so you can get off-road, you still need to have an insurance policy in place. Only purely off-road quad bikes can be used without insurance.

If you use your quad for a mix of on and off-road, check your insurance policy details. Standard quad bike insurance policies might not offer the same level of protection when you go off-road. It’s worth checking in with the insurance company before you need to make a claim down the line.

 

Who are it’s Quad Bike Insurance?

Quad bikes and All-Terrain Vehicles (ATVs) are non-standard vehicles, which might make them difficult to insure. Some insurers 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 it's Quad Bike Insurance could help.

With it's Quad Bike insurance, you can compare quotes online from a wide range of approved insurers. In just a few minutes you can get a quad insurance quote to meet your needs and your budget.

it's Quad Bike works with a panel of trusted insurers to provide affordable quad bike cover for a range of road-legal quad bikes and ATVs.

it’s Quad Bike Insurance offers:

  • Quick hassle-free online quotes
  • Wide range of policy benefits
  • Flexible payment options
  • Specialist UK call centre

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Compare insurance deals with it's Quad Bike Insurance

What does quad bike insurance cover?

Exactly what you’re covered for depends on what level of quad bike insurance you choose.

 

  • Third-party only insurance covers other people, their vehicles and property for damage costs that occur after an accident that’s your fault.
  • Third-party, fire and theft insurance (TPFT) offers the same protections as third-party only, and also covers fire damage and theft of your quad bike.
  • Comprehensive insurance has the same benefits of TPFT, and also covers the cost to repair or replace your quad bike after an accident.

How do I make a quad road legal?

Quad bikes are classed as non-standard vehicles, and have a particular set of risks for riders and insurers.

That’s why the government has a set of rules in place governing how quads should be used. For more information, visit the GOV.UK website.

Most quads aren’t road legal because they don’t meet minimum road safety standards. So, before being allowed on UK roads, quad bikes and ATVs must:

  • Be tested and ‘type approved’. You can apply for this at GOV.UK.
  • Be registered and taxed. Agricultural and horticultural quads might not need to pay tax.
  • Have a valid MOT if the bike’s older than three years.
  • Have a valid insurance policy.

There’s no law that says quad bike riders have to wear helmets in England, Scotland or Wales. We highly recommend wearing a helmet as well as other protective gear while on the road.

You must wear a helmet when riding a quad bike on the road in Northern Ireland. If you don’t you could face a £500 fine.

Although you don’t have to insure or tax a purely off-road quad bike, it could be worth adding it to the government’s off-road register. This helps the police to recover your bike if it’s stolen.

Make sure you do your homework on the rules and regulations before you hit the road.

What licence do I need for a quad bike?

If you want to ride your quad bike on the road, you need either:

  • A full UK car driving licence
  • A category B1 licence (if issued before 1997)

This means that you could start riding a quad bike from the age of 17. For more information, check out our guide on driving licence categories and codes.

If you’re using your quad bike exclusively off-road, you don’t need a driving licence to ride it.

Do I need insurance for a farm quad?

As with standard quad bikes, it depends on where you plan on riding:

  • If the bike never leaves the farm, you don’t have to get insurance for it as it’s classed as being off-road
  • But if you spend any amount of time on a public road, you must have at least third-party cover for it

Even if you don’t have to get cover for your farm quad, insurance could be worth considering. Quad bikes could be a tempting target for thieves, and you could find yourself out of pocket if you damage your quad while working.

It’s worth remembering that if you’re using your quad bike for farm work, you need to register it as a light agricultural vehicle.

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 it’s Quad Bike could see you get a competitive quote.
Jack Cox product expert signature

Jack Cox

Motorbike insurance product manager

Confused Quad Bike Insurance is administered by it’s Quad Bike Insurance Services. it’s Quad Bike Insurance Services is a trading name of Grove & Dean Ltd, an independent intermediary who are authorised and regulated by the Financial Conduct Authority under firm reference number 307002. Our service is free and compares quotes from specialist Quad Bike insurance brands provided by Grove & Dean Ltd. Confused.com is an intermediary and receives commission from Grove & Dean Ltd. if you decide to buy through our website.