Third-party liability
- Compulsory from registration onwards
- Damage to other vehicles
- Injury to third parties
Insuring a 200 cc quad
At 200 cc everything turns on the vehicle category on the registration document: that determines the licence, the top speed and whether own-damage cover still means anything.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A quad in this class is often registered in the lightest category. That makes acceptance the easiest of all engine capacities: more insurers have a rate for it and the requirements for riders are less strict than in the heavier classes.
Third-party liability cover is compulsory as soon as the quad has a registration. Alongside it you can choose third party, fire and theft, or comprehensive cover, but with a low purchase price that is a calculation and not a foregone conclusion.
What applies to every class applies here too: riding away from the public road is excluded. A motocross site, the beach or a forest track does not come under an ordinary policy.
Independent, personal, sorted quickly
We compare your moped insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Moped insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
Quad 200 cc: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Theft, fire, storm and windscreen damage to your own quad bike.
- Theft with a lock fitted
- Fire and storm
- Vandalism
Comprehensive
Also damage through your own fault and overturning.
- Own fault
- Overturning
- Usually up to a certain age
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another road user | Yes | Yes | Yes |
| Theft with an approved lock | No | Yes | Yes |
| Fire or storm damage | No | Yes | Yes |
| Overturning with no other party involved | No | No | Yes |
| Driving off-road or on the beach | No | No | No |
| Modifications that have not been declared | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Vehicle category on the registration document. The lightest category gives the widest acceptance and the most favourable rate.
- Age of the regular driver. In this class young riders are common; insurers set a minimum age.
- Cover chosen. Third-party liability, third party, fire and theft, or comprehensive cover; with a low value that is a deliberate choice.
- Value including the extension. Separate accessories only count if you declare them when you apply.
- Storage location. A locked shed or garage counts heavily towards theft cover.
- No-claims years. On a quad, too, you build up years. Those count towards the rate.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The registration document is decisive, not the brochure
The vehicle category on the registration document determines whether you need an AM or a B licence, what top speed applies and whether a helmet is compulsory. The engine capacity in itself says nothing about it. If you go on a wrong assumption, you ride without entitlement, and cover then falls away, including for the damage you cause to someone else. Check that entry before you take to the road.
A rider of sixteen calls for a separate check
In the lightest category the vehicle may sometimes be ridden from the age of sixteen. Not every policy follows that: insurers apply their own minimum age for the regular rider, with a loading or a refusal below it. State who really rides it most often, not who bought the quad. An incorrect statement comes under Article 7:928 of the Dutch Civil Code and can cost you the payout.
Own-damage cover with a low purchase price is a calculation
In the event of a total loss, own-damage cover pays the market value. On a quad in this class that value is limited, while the own-damage premium does not automatically follow it. Set the premium over a few years against the value and then decide. Separate attachments such as a top box, a set of mudguards or hand guards are not included in the declared value; declare them separately or accept that you will replace them yourself after a theft.
The insurance obligation continues while the quad is standing still
As long as the registration is in your name, the insurance requirement applies in Article 2 of the Dutch Motor Insurance Liability Act (WAM), even if the quad stands in the shed all winter. If you do not want to pay a premium during those months, suspend the registration with the RDW. The obligation then falls away, but you may not use the vehicle on the road either. A suspended vehicle is also not automatically covered against theft.
Limited acceptance at higher power outputs
Not every insurer accepts quad bikes in this class, certainly not with young riders.
Check the registration certificate, not the brochure
The vehicle classification on the registration certificate determines which driving licence you need and whether a helmet is compulsory — not the engine capacity in itself. A wrong assumption means driving without the proper entitlement, and cover then lapses, including for the damage you cause to someone else.
Frequently asked questions
This is what people ask us most.
Which licence do I need for a 200 cc quad?
That follows from the vehicle category on the registration document, in this class usually AM or B, and not from the engine capacity. Check the entry before you take to the road. If you ride without the right category, you ride without entitlement and cover falls away, including for the damage you cause to someone else.
May my sixteen-year-old son ride it?
That depends on the vehicle category and on your policy. Insurers apply their own minimum age for the regular rider and below it charge a loading or decline the risk. State who really rides it most often. An incorrect statement can lead to a reduction or refusal after a loss.
Is own-damage cover worthwhile on a 200 cc quad?
Work it out. In the event of a total loss you receive the market value, and in this class that is limited. Set the own-damage premium over a few years against that value. Bear in mind, too, that separate accessories only count if you declared them when you applied.
Do I have to keep paying if the quad stands unused all winter?
For as long as the registration is in your name, yes. The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) continues. You can suspend the registration with the RDW, and the obligation then falls away. You may then not ride on the public road, and note that theft during a suspension does not automatically remain covered.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a 350 cc quad350 cc, registration, B or A licence
- Insuring a 250 cc quad250 cc, registration, B or A licence
- Insuring a 500 cc quad500 cc, registration, category A licence
- Insuring a 700 cc quad bike700 cc, registration, category A licence
- Compare quad, trike and MP3 insuranceThree- and four-wheelers, registration, off-road use
- Insuring a quadRegistration, off-road, third-party liability
- Insuring a quad and trikeCategory, licence, cover
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.