The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
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.
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 &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.
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.
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.
