A 500 cc quad is rarely just something to ride: attachments hang off it, and it is precisely those attachments that determine what is insured and what is not.
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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 the quad is often used as a working tool: with a winch, a blade, a box or a spraying kit. Those parts are not included in the declared value and are not insured unless declared separately.
The risk also shifts. A quad working the ground, a crop or a site can cause damage to property that is not yours, and that is liability and not motor damage. The question of which policy carries it belongs in the application.
The use you probably have in mind is also the use most often excluded: off-road, beach and dunes fall outside an ordinary policy, whatever the power.
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.
Declare attachments separately, with their value
A winch, snow blade, load box, spraying kit or a set of off-road tyres is not part of the standard specification and therefore does not count automatically. Without a declaration, the insurer pays for the bare quad after a theft or a total loss. Send the purchase invoices with the application and have the combined value recorded on the policy. While you are at it, also check that the attachments fitted do not exceed the permitted mass of the vehicle.
Damage to what you are working on is not motor damage
If you break a drainage pipe, damage someone else's crop or strike a cable, the issue is liability under Article 6:162 of the Dutch Civil Code. If you are working on property in your care, you also run into the care, custody and control exclusion, which excludes damage to property in your charge. Discuss in advance which policy carries this; the motor cover certainly does not.
Off-road use, the beach and training days fall outside it
Riding away from the public road is excluded under practically every quad policy, and that applies to a motocross site, a dune area and the beach as well. If you take part in a race, a skill trial or an organised training day, Article 7:952 of the Dutch Civil Code comes into it as well, allowing the insurer to refuse damage caused by recklessness. Separate day cover through the organiser is then the only route.
Repair costs mount up quickly in this class
Heavier quads have more expensive drive trains and more often need parts that have to come from abroad. That lengthens the repair time and increases the chance that an insurer will decide on a total loss even where the damage is limited. Have a quad with many attachments or an unusual specification valued and record the value on the policy, or the insurer will determine the market value itself in the event of a total loss.
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.
Only if you declared it separately with its value. Attachments are not part of the standard specification and therefore do not count automatically towards the sum insured. Send the purchase invoices with the application and have the total value recorded on the policy. Without that declaration the insurer pays for the bare quad after a theft.
May I take a 500 cc quad onto the beach or into the dunes?
Not under an ordinary policy. Riding away from the public road is excluded practically everywhere, and that applies to motocross sites, dune areas and the beach as well. For organised training or race days the organiser sometimes offers separate day cover; arrange that in advance and do not rely on your own policy.
Who pays for damage to the land I am working on?
That is liability under Article 6:162 of the Dutch Civil Code and not motor damage. Your quad policy does not cover it. If you are working on property in your care, the care, custody and control exclusion also comes into play, excluding damage to property in your charge. Discuss in advance which liability cover carries this risk.
How is the value of my quad determined?
Without an agreement in advance, on the basis of the market value at the time of the loss. On a version with many attachments or an unusual specification that rarely does justice to what you have put into it. In that case have the vehicle valued and record the agreed value on the policy.
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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