Quad bike insurance

• There are certain specialist insurers who can tailor a quote specifically to you, so that your quad can be driven legally on UK roads
• Certain members of our panel may be able to offer you quad bike insurance policies, dependent on the model you own. Click the ‘Get a quote’ button above to enter your bike details and start comparing quotes

Different policies will offer varying levels of protection for you and your quad, so it’s important that you understand the policy fully before you purchase anything. You'll need to decide the level and type of cover you need, and make sure the policy you choose supports it. This can include;

• Breakdown/legal cover
• Use in connection with work
• Cover for multiple riders

Because they are a unique vehicle and carry a unique set of risks for riders, insurers and the public, it can often be difficult to find insurers willing to cover quad bikes. For the same reasons, the government have a set of rules in place governing how quads should be used, which you can find on the GOV.UK website.

• Quads must be approved, registered and taxed, have an MOT and an active insurance policy to be used on UK roads
• Most are not road legal because they don’t meet road safety standards – they must be tested and ‘type approved’ to be considered road-safe
• Quad riders don’t have to wear helmets (though it is recommended), and may only carry passengers if the bike was designed to do so
• You don’t need to tax or register your quad bike if it will only be used off-road. However, including it on the government’s off-road register will assist the police if your bike is stolen. You must also ensure you have the correct insurance for your off-road quad bike
• If a quad bike is used for agricultural or horticultural use then they are exempt from paying vehicle tax, but it must still be registered for road use and must have insurance

With unconventional vehicles such as these, it’s important to thoroughly do your homework on the rules and regulations governing their safe and legal use before riding. Click the ‘Get a quote' button above to start finding the right protection for you and your quad today.