Quad Bike Insurance

Your safety and your quad bike’s security could use a bit of extra insurance support.

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
  • Off-roading
  • 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.


Safety hazard

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.



Security issues

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.

  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

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.