Road Legal Quad Insurance
If you have a road legal quad bike and wish to drive it on a public road then you must follow the same rules that apply to any other motorist. For example; a car licence, road tax, insurance and a valid MOT certificate.
Road legal quad bikes are classed as a unique vehicle, so they require specialist insurance at least at Third-party only cover (TPO) or above. ‘Third-party only’ is the legal minimum level of insurance cover in the UK.
There are many different types of insurance cover available, the most common types are; Third-party only (TPO), Third-party, Fire and Theft (TPFT) and Comprehensive, more commonly know as Fully Comp cover.
Third-party only insurance covers any costs, damages and losses to people, vehicles and property in the event of an accident deemed as the policy holders’ fault. Any damages, losses or costs to the policy holder or their vehicle is excluded.
With Third-party, Fire and Theft cover, you get the same level of cover as Third-party only insurance, but it also includes cover for the policy holders’ costs, damages or losses caused by fire or theft.
With Comprehensive cover, also known as fully comp, you get the same level of cover as Third-party and Third-party, Fire and Theft insurance but also covers any damages, losses or costs to the policy holder or their vehicle in the event of an accident even if the policy holder is at fault.
Regardless which cover you take out, if you have an accident which is not your fault and the third party is insured, you can claim on their insurance to cover any costs, damages and losses.
We appreciate that finding insurance for your road legal quad bike can seem a bit daunting at first, but here at It’s Quad Bike Insurance we can compare quotes from a range of insurers to make it easier and simpler for you.