Overcoming the risks
Quad bikes give farmers, foresters and gamekeepers among other rural workers the versatility to get where they need to on four wheels rather than two feet.They are also notoriously difficult to insure, as they bring with them a level of risk that many underwriters are uncomfortable with, even at a higher premium.
- One and two seater road legal quads cover
- Working utility vehicles
- Vehicle stored in the open
At Shearwater we use our experience, judgement and access to the most relevant insurers to provide a quad bike insurance policy that doesn’t automatically place you in the high risk, high premium category. This understanding of how you use your ATV allows us to source an appropriate policy which reflects the precautions you take both as an owner and a rider.
Quad bikes are heavy, powerful, and don’t manoeuvre in the same way as a motorbike. Many accidents occur when a quad bike has been overturned at excessive speed. But those who use their All Terrain Vehicles (ATVs) frequently for business purposes are more likely to have undergone training, something that we at Shearwater and the specialist agricultural insurers we work with understand.
Quad bikes are just as useful to thieves in bits as they are to their owners intact. Many quad bikes which are stolen are stripped back for their expensive parts in a very short space of time, making it difficult to track back to their rightful owner. Even if you take steps to secure your quad bike by locking it away at night and using a clamp, some more determined thieves will be able to find a way of relieving you of your vehicle.
Replacement keys or locksmiths can be very expense. Key cover provides insurance cover for lost or stolen keys and you also have cover if you lock your keys in your home or vehicle and require a locksmith to gain entry.
All for a low cost price of £16.50
Speak to one of the Shearwater team today about adding this on to your policy.
Motor Legal Insurance
For £37.50 adding on Motor Legal Insurance could save you £1000s in the event of an accident or dispute.
This policy is designed to cover the cost of professional fees charged by a solicitor following a specific occurrence, provided that cover for that occurrence is detailed within the policy wording and not specifically excluded.
For more information speak to a member of the Shearwater team today.
Get In Touch Today
Put your insurance in the hands of the experts at Shearwater. Phone us today on 01992 718666 or request a quote online.