Quad Bike Insurance Costs in the UK

Quad Bike & ATV Insurance Costs In The UK: What Factors Influence Your Premium?

If you're a quad bike or ATV owner in the UK, it's always useful to know what factors affect the cost of your insurance so you can take steps to reduce it. The main factors that affect the cost of quad bike insurance in the UK are its value, where it's kept, the level of cover you take out and how you use it. We'll be looking at these factors in more detail throughout this guide. If you want to get quad bike insurance quotes now then click here.

Susan Difford

Insurance Expert & Co-founder of Clean Green Cars

Updated 9 May 2025 2 Min Read

Yes, you can save money by making sure your quad bike is kept somewhere secure when not in use and also by getting a lot of quotes from different insurance providers.

The value and safety of your quad bike are probably the main factors that will affect how much you pay for insurance, particularly if you choose to take out a fully comprehensive policy.

This will depend on whether you’re using it strictly on private land or whether you want to use it on public roads too. If you plan to use your bike on public roads, then you’ll need to have third party only insurance in place.

In Summary

Your age is a big factor that affects the cost of quad bike insurance
Having somewhere secure to keep your quad bike will help to reduce insurance costs
Getting a lot of quotes is a great way to save money
The level of cover you take out will have a big impact on insurance costs too