Agricultural Quad Bikes: UK Insurance Requirements

Agricultural Quad Bikes: UK Insurance Requirements & Safety Regulations For Farmers

Quad bikes or ATVs are incredibly useful types of vehicles to have when you own a farm. They're great for transporting smaller pieces of equipment and other types of materials as well as herding livestock. If you have a quad bike or plan to get one for your farm, you'll need to know what the insurance requirements and safety regulations are. That's what we'll be covering in this guide, including how to save money on quad bike insurance.

Susan Difford

Insurance Expert & Co-founder of Clean Green Cars

Updated 4 April 2025 2 Min Read

This will depend on how you plan to use it. If you’re going to be using it on public roads, then you’ll need to have third party only insurance in place at a minimum. If you’re going to exclusively use it on your own land, it’s still a good idea to have fire and theft cover.

Some good ways to save money on quad bike insurance are:

Make sure is kept somewhere secure, like a locked garage
Get a limited mileage policy
Keep insurance options to a minimum
Shop around for quotes

In addition to having third party insurance in place, there are other steps you need to take in order to ensure your quad bike is legal to ride on public roads. You can find a full list of the rules here.

In Summary

If you're using your quad bike exclusively on your own land, you don't need insurance but it's still recommended so your vehicle is protected for risks like fire damage and theft
If you're planning to use your bike on public roads, you'll need to have third party insurance in place
You'll need to make sure your quad bike adheres to road safety standards to use it on public roads too, so check that all mirrors, breaks, lights and tyres are up to standard.