Third-party liability
- Compulsory from registration onwards
- Damage to other vehicles
- Injury to third parties
700 cc · registration · category A licence
Insuring a 700 cc quad bike
At 700 cc the question is not what a policy costs, but whether there is still an insurer that will accept it, and on what prevention conditions.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Quad 700 cc verzekeren.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
In the heaviest class the market is narrow. Insurers still willing to quote here generally do so subject to conditions set in advance: requirements as to storage, security and the experience of the rider.
Those conditions are not advice. If your policy states that the quad must be kept in a locked space or that an approved lock is compulsory, that is a guarantee; if it is not complied with, theft is not covered.
Note the category as well. A vehicle with a steering wheel, seat belts and a roll cage is not a quad but a different vehicle type, with its own classification and its own rate.
Quad 700 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Here, storage and security are conditions of the policy
In this segment, prevention requirements are often set firmly in the conditions: a locked shed or barn, an approved lock, sometimes a ground anchor or a track-and-trace system. They are not recommendations but the conditions on which the cover was granted. If the quad is stolen while they have not been met, the insurer refuses the claim, even where the thief would have got in anyway. Have the situation recorded in writing in advance.
Your claims record determines whether a policy is available
Because few companies offer this segment, the question of acceptance weighs heavily. Earlier claims, a cancellation or a refusal by another insurer must be declared; that follows from the duty of disclosure under Article 7:928 of the Dutch Civil Code. If you conceal it, the insurer can reduce or refuse payment after a loss under 7:930 DCC and cancel the policy, after which you will find no cover at all.
Check the territorial limits before you cross the border
Heavy quads go on holiday, often on a trailer. The cover does not automatically apply in every country: check which countries are on the green card and bear in mind that off-road riding abroad is just as excluded as it is here. Damage to the trailer carrying the quad also falls outside this policy, coming instead under that of the towing vehicle or under cover of its own.
A side-by-side is not a quad
Vehicles with a steering wheel, seat belts and a roll cage are classified differently from a quad with handlebars and a saddle. That difference determines the vehicle category on the registration document, the licence required and the rate. If you apply for a quad premium for such a vehicle, the policy is geared to the wrong risk. Give the category from the registration document and not the seller's description.
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.
What does your premium depend on?
- Power and acceptance policy — In the heaviest class only part of the market is still willing to quote.
- Storage and level of security — A locked space, lock, ground anchor or tracking; often a condition of theft cover.
- The driver's experience — The number of years holding a licence and earlier experience with heavy quads weigh heavily on acceptance.
- Claims record and earlier cancellations — A refusal or cancellation by another insurer must be declared.
- Area of cover — Which countries the cover has to include if the quad travels with you.
- Type of cover and excess — At a high value, the excess on own-damage cover accounts for a noticeable part of the premium.
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Frequently asked questions
The questions we are asked most often about this.
Why do so few insurers accept 700 cc?
Because the combination of high power, high repair costs and an attractive theft profile is carried by only part of the market. Those that do accept it do so subject to conditions set in advance: requirements as to storage and security and as to the experience of the regular rider. Comparing therefore pays off strongly in this segment.
What requirements does the insurer set for storage?
Often a locked shed or barn, an approved lock and sometimes a ground anchor or tracking. Those requirements are set out as conditions in the policy, not as advice. If you do not meet them at the time of a theft, the claim is refused. Have it recorded in writing in advance which arrangement the insurer has accepted.
Do I have to report an earlier refusal?
Yes. The duty of disclosure under Article 7:928 of the Dutch Civil Code also covers earlier claims, a cancellation and a refusal by another company. If you conceal that, the insurer can reduce or refuse payment after a loss under Article 7:930 DCC and cancel the policy. After that you will find practically nothing left in this segment.
Am I covered abroad?
Only in the countries within the territorial limits; check the green card before you leave. Off-road riding is just as excluded across the border as it is here. If the quad travels on a trailer, damage to that trailer does not come under this policy but under that of the towing vehicle.
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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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.