- One and two seater road legal quads cover
- Working utility vehicles
- Vehicle stored in the open
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.
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.
Overcoming the risks
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.
Use our online form to request a quote now. Otherwise call our team on 01992 707313 for a chat about your insurance needs