Third-party liability
- Compulsory from registration onwards
- Damage to other vehicles
- Injury to third parties
Insuring a 350 cc quad
From 350 cc upwards, acceptance looks less at the quad and more at the rider: age, licence and claims record determine whether a policy is available.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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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
In this class part of the market drops out on the driver, not on the vehicle. Insurers that accept quads in this segment set requirements as to the minimum age of the regular rider and the number of years of riding experience.
On top of that, third-party liability cover never pays for your own injury. In a single-vehicle accident, which is the most common scenario on quads, you are left empty-handed without additional cover.
What you do bring with you are your no-claims years: these are often interchangeable between a quad, a motorcycle and a car, but you can only use them on one vehicle at a time.
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Quad 350 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?
- Age of the regular driver. In this segment the decisive question for acceptance, certainly under the age of 24.
- Riding experience and licence category. How long you have held the licence and whether it is the category the registration document requires.
- Claims history and no-claims years. Years carried over from a car or motorcycle can decisively influence acceptance.
- Engine power and weight. Together they determine which rating class the quad falls into within this segment.
- Additional cover for riders. Personal accident or occupants' cover is a separate choice with its own premium.
- Annual mileage. Recreational use with a low mileage counts more favourably than daily commuting.
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.
Age and experience weigh more heavily than engine capacity
Insurers accepting risks in this segment apply a minimum age for the regular rider and look at how many years someone has held a licence. In this class a refusal more often stems from the rider details than from the vehicle itself. So state who really rides it most often; putting down a different name to get the risk accepted turns against you at the first claim.
Without the right licence category there is no cover
Which licence is required follows from the vehicle category on the registration document and not from the engine capacity. If you ride without the right category, you ride without entitlement. The insurer then refuses the damage to the quad and can recover from you the payment it made to the victim. The same applies to riding under the influence and with a confiscated licence.
Your own injury falls outside the third-party liability cover
Third-party liability cover pays only for the damage you cause to others. If you are injured yourself in a single-vehicle accident, that cover pays nothing, not even for loss of income or permanent limitations. For that there is personal accident cover for riders or accident cover for occupants, which you take out separately. On a vehicle without a roll cage that is a real consideration and not a luxury.
No-claims years are interchangeable, but cannot be shared
Years built up on a car or motorcycle can, with many insurers, be transferred to a quad, and the other way round. You can, however, only use them on one vehicle at a time: if you use them here, they lapse on the other policy. Work out whether that turns out favourably. An at-fault claim on the quad then also costs you steps on that other vehicle.
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.
Why am I refused in this class?
Usually because of the rider details and not because of the quad. Insurers that accept 350 cc set requirements as to the minimum age of the regular rider and the number of years of riding experience. An empty claims history counts too. Naming someone else as the rider to get the risk accepted turns against you at the first claim.
Which licence goes with this class?
That follows from the vehicle category on the registration document, not from the engine capacity. Check the entry there. If you ride without the right category, you ride without entitlement: the damage to the quad is refused and the payment to the victim can be recovered from you.
Who pays for my own injury after a single-vehicle accident?
Not third-party liability cover. That exists only for damage to others. If you want your own injury, loss of income or permanent limitations covered, you also take out personal accident cover for riders or accident cover for occupants. On a vehicle without a roll cage that is a serious consideration.
Can I use my no-claims years from the car?
With many insurers you can. The years are often interchangeable between a car, a motorcycle and a quad, but you can use them on one vehicle at a time. If you put them on the quad, they lapse on the car policy. Work out what it produces on balance before you apply for the transfer.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a 200 cc quad200 cc, registration, AM or B licence
- Insuring a 700 cc quad bike700 cc, registration, category A licence
- Insuring a 250 cc quad250 cc, registration, B or A licence
- Insuring a 500 cc quad500 cc, registration, category A licence
- Compare quad, trike and MP3 insuranceThree- and four-wheelers, registration, off-road use
- Insuring a quad and trikeCategory, licence, cover
- Insuring a quadRegistration, off-road, third-party liability
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.