Third-party liability
- Compulsory from registration onwards
- Damage to other vehicles
- Injury to third parties
Insuring a 500 cc quad
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.
- 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
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.
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Quad 500 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?
- Value including the extension. A winch, blade or spraying kit counts only if you have declared it with its value.
- Purpose of use. A working tool on a yard, recreational road use or a combination. That determines the risk.
- Engine power and weight. In this class, decisive for the number of insurers still willing to quote.
- Excess on own-damage cover. With higher repair costs, a higher excess brings the premium down noticeably.
- Theft prevention. A lock, ground anchor or a locked barn; at this value the insurer sets requirements.
- Valuation. On a version with many attachments, a recorded value prevents argument in the event of a total loss.
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.
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 — 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.
Is my winch or snow blade included in the policy?
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.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a 250 cc quad250 cc, registration, B or A licence
- Insuring a 200 cc quad200 cc, registration, AM or B 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 350 cc quad350 cc, registration, B or A licence
- Insuring a quadRegistration, off-road, third-party liability
- Cover for quads, trikes and the MP3Third-party, third-party, fire and theft, comprehensive
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.