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.
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Work out for yourself what it would cost.
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We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
The structure of the cover in three parts, with an overview per situation below.
Compulsory by law
Third-party liability
Damage you cause to others with the quad bike.
Compulsory from registration onwards
Damage to other vehicles
Injury to third parties
Most chosen
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
With a new quad bike
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.
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 &mdash. 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.
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.
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.
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.
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