Quad Bike & ATV Insurance Costs in the UK: What Factors Influence Your Premium?
Table of Contents
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.
Key points
What Are The Main Factors That Affect Quad Bike Insurance Costs In The UK?
- Your age: Age is always a factor that insurance providers take into account. Generally, the younger you are, the more you can expect to pay.
- Where the quad bike is kept: Where your quad bike is kept when not in use is an important factor too. You’ll certainly want to have somewhere secure to keep it, like a locked garage.
- The level of cover you take out: You can choose from third party only insurance, which is the cheapest option, up to fully comprehensive.
- The value of the quad bike: How much your quad bike is worth and its power will be taken into consideration too.
- How you use it: If you plan to use your quad bike exclusively on your own land then it’s likely it will cost less to insure compared to if you use it on public roads.
Are there any ways to save money on quad bike insurance?
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.
What is the main factor that affects the cost of quad bike and ATV insurance?
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.
Is insurance required for quad bike owners?
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
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