Quad Bike Insurance

It's important to understand that having quad bike insurance is not just a prudent choice, but it's a legal requirement if you plan on riding your quad on public roads in the UK.

Even if you're just riding for a few minutes or taking your quad bike from one off-road site to another via public roads, you'll need insurance.

Below are some of the types of insurance terminology that you may have come across when looking to insure your Quad-bike/ATV:

• Sports Quad Insurance
• Leisure Quads Insurance
• Utility Quad Bike Insurance
• Kids' Quads Insurance
• Modified Quad Bike Insurance

The terminology used above refers to the same type of insurance, which would simply be insurance that covers your quad-bike. These terms just focus on some of the main areas of what customers are usually looking for when insuring their vehicle to describe different use cases.

These are not individual products. Factors such as age, use for commuting or leisure, modifications, etc. will all be taken into account when providing a quote for your vehicle.*

Each type of quad bike has its unique risks and requirements, which is why tailor-made insurance solutions are crucial.

For more information on how Lancaster can help you with insuring your quad-bike, please get in touch with one of our customer service team to discuss your needs and requirements.

*Other factors may be taken into consideration when providing a quote for your vehicle from Lancaster Insurance. For more information, please contact one of our team members here

Quad bike insurance typically comes in three levels of cover, each offering different degrees of protection just like a typical car insurance policy would:

• Third-Party Insurance: This is the minimum level of cover required by law. It covers damages or injuries caused to other people and their property in an accident where you are at fault.
• Third-Party, Fire, and Theft Insurance: In addition to third-party coverage, this level also covers your quad bike if it's damaged by fire or stolen.
• Comprehensive Insurance: This includes all the benefits of third-party, fire, and theft coverage, plus it covers the cost of repairing or replacing your quad bike if it's damaged in an accident.

It's essential to ensure your quad bike is road-legal if you plan to ride it on public roads.

This process involves several steps, including obtaining type approval from the government, registering and taxing the vehicle, securing a valid MOT certificate if the bike is over three years old, and of course, securing a valid insurance policy.

When riding a road legal Quad Bike in the UK, you will either need a full UK car driving licence or a category B1 licence if it was issued before 1997.

If you're only using a Quad Bike for off-roading purposes, you will not need a driving license.

*Please refer to the Government website for exact rules when using a Quad bike off road. For more information on whether Lancaster will provide an insurance policy for your vehicle, please contact a member of our team.

You need to tax your quad if you're using it on public roads, parking it on a public road, or if it's a farm quad being driven more than 1.5km on public roads.

If you only ever ride it off-road, never park it on a public road, or if it’s a farm quad and you drive it less than 1.5km on public roads, you may not need to tax your quad.

Agricultural quad bikes, often used on farms, have unique insurance requirements. If the bike never leaves the farm, it's considered off-road, and you're not legally required to insure it.

However, if you plan on using it on public roads, even briefly, it must have at least third-party cover.

*Lancaster do not cover Quad Bikes for Agricultural purposes. For more information, please contact one of our customer service team.

Finding the right road legal quad bike insurance can be challenging given the unique risks and requirements associated with quads.

This is where the expertise of specialist brokers like Lancaster comes into play. With over 35 years of experience, we’ll try to help you find the right fit at the right price to get you on the road and give your quad the protection it deserves.

There’s no one size fits all when it comes to the cost of quad and ATV (all-terrain vehicle) insurance. The type of vehicle, its features, and the level of coverage you choose will all determine how much you pay.

Other factors that affect insurance costs include:

• Your age – premiums may cost more for young riders.
• Mileage – you could save money if you don’t plan on racking up many miles.
• Where you keep the vehicle – secure storage could help lower your premiums.
• What you use it for – if you use the quad for work or agricultural purposes, the risk level goes up, which can affect how much you pay.
• Vehicle size and design – the engine’s power, security features, and whether you can take passengers will affect your policy.
• Existing plans – if you have a multi bike policy, the cost per vehicle may be reduced.
• Optional extras – the more extras you add to your policy,

To get a quad bike insurance quote, get in touch with Lancaster Insurance Services today.

Yes, of course. Like with our classic car policies, there are optimal extras to tailor your coverage just the way you want it. 

It’s not just insurance you need to stay legal on UK roads. Your quad bike will need to meet certain requirements set out by the DVLA, which include:

• A front and back number plate
• Valid vehicle tax by registering with the DVLA
• Valid MOT certificate if the vehicle is more than 3 years old
• A full car driver’s licence or B1 licence if issued before Jan 1997

Your quad bike will also need to meet the road safety standards, which you can apply for online. Your vehicle needs lights, mirrors, and a speedometer to be roadworthy.

There’s no law to say you need to wear a helmet when riding your quad on the road, but we strongly recommend it along with other protective clothing.

No. To ride a quad bike on the road, UK law requires you to have a full car licence or a B1 licence (if issued before Jan 1997).

If you only have a motorbike licence, you won’t be able to take your quad vehicle on the road.

No. To ride quads on the road, you must have one of the licences mentioned above. If you are still on your provisional licence, you will only be able to ride off-road.

If you plan on driving your quad or ATV on public roads, you will need to tax it.

You can tax your vehicle online through the DVLA site or head to your nearest post office that deals with the process.

You will need your bank or building society details to pay by direct debit and the vehicle log book. You might also be asked for the MOT certificate if the vehicle is more than 3 years old.

When riding in a clean air zone, quads will need to pay congestion charges if applicable.

You will also need to pay any penalties or parking fines, the same as any other car.

When you choose to cover your quad bike and ride on the UK’s roads, you’ll notice two terms called compulsory and voluntary excess. Here’s the difference:

• Your insurance provider comes up with the compulsory excess that you have to pay when making a claim.
• You agree to a voluntary excess on top of your compulsory amount that you pay when claiming on your policy.

You may be able to lower the cost of your premiums if you choose to pay a higher voluntary excess when taking out your quad bike policy.

It’s completely legal to take passengers on your quad bike if it’s designed to do so and there’s somewhere for them to sit.

Not sure if your ATV is made for two? Check your vehicle’s handbook or contact the manufacturer to find out more.

Yes, as long as your quad bike is registered with the DVLA and it’s insured, you can legally drive on the motorway – but that doesn’t mean you should!

It’s unlikely that even top-of-the-range quads will be able to keep up with traffic. High speeds on motorways also mean more chance of a serious incident if you do happen to have a crash.

Quads that are only registered for agricultural or forestry use are not allowed on motorways.

If you only plan on riding around the farm and won’t leave the premises, then it will be classed as off-road, and you won’t need to insure it. But you will need to register it as a light agricultural vehicle.

If you’ll spend any amount of time on a public road, you will need at least third-party insurance.

Don’t plan on taking your quad bike off the farm? It’s still worth insuring it so you’re financially protected in the event of damage or theft.

This will depend on the type of quad bike insurance you have.

Lancaster Insurance Services can offer 30 days EU cover, but benefits will vary between policies and be subject to underwriting criteria.

Check with the team when you get a quote.

You can contact us to add more riders to your cover at any time.

We can insure up to four named drivers on one policy – just get in touch with the Lancaster Insurance Services team to see how it will affect your premiums.

Although many people use the terms interchangeably, there is a slight difference. ATV’s – or all-terrain vehicles – are those with three or more wheels, which includes quad bikes.

Quads have four wheels and can either be a one-wheel or four-wheel drive.

Need to make a claim? It’s simple with our dedicated team to walk you through every step.

Give our 24-hour claims hotline a call on 01480 484802, and we’ll tell you what information we need.

Contact the police if your vehicle was stolen to get your unique crime reference number needed to make a claim.

If your quad bike is accidentally damaged, we will ask a surveyor to come and assess your vehicle to check your eligibility for a claim.

The team at Lancaster Insurance Services isn’t just your average insurance provider – we are passionate about vehicles ourselves and have a bit of a soft spot for classic cars and other unique motors like your quad bike.

We understand how much an investment like this means to you and are here to help you give it the protection it deserves.

We know every vehicle and its owner are unique, which is why we search our panel of trusted insurers to find a policy for you.

Whether you want to hit the road for a long trip or simply need to get it to the next town, we’ll give you a  quote that suits your needs.

Take a look at what our customers have to say about our classic car insurance and other plans with our 5-star reviews on Trustpilot.

Lancaster quad insurance policy benefits at-a-glance:

• Cover for business use
• 30 days EU protection*
• Earn and protect a no claims bonus
• Cover for leisure, sports, and utility quads
• UK-based call centre
• 24-hour claims helpline

Need to insure another vintage vehicle? We got you covered there, too, with our range of car insurance policies including:

• Classic car insurance
• Kit car coverage
• Military car policies
• Laid-up car coverage
• Wedding car plans
• Limited mileage car cover
• Campervan and motorhome insurance
• Modified car protection
• Multi vehicle policies
• 4x4 cover

Insuring your vehicle with Lancaster Insurance Services is easy. Give our team a call and we’ll find a policy for your specific vehicle at a price that’s right.