Third-party liability
- Required by law
- As long as the registration is in your name
- Suspend the registration when not in use
Insuring a quad
On a quad, almost every argument about a claim turns on where you were riding: on the public road or off-road.
- 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
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
- 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
If the quad has a registration, it is a motor vehicle and the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM) applies for as long as the registration is in your name. That third-party liability cover runs on the public road. Where it goes wrong is the assumption that the cover applies everywhere: riding away from the public road is in fact excluded under many policies.
In practice a quad is used in three ways: as a road-going vehicle, as a working vehicle on a yard or plot, and as a recreational vehicle off-road. Each of those three carries a different risk. Off-road, rolling over is the most common cause of loss, and that means damage to the vehicle itself plus, often, injury to the rider or the passenger.
If you ride without a registration exclusively on your own land, the absence of the WAM obligation does not automatically remove your liability: for injury to someone else, Article 6:162 of the Dutch Civil Code continues to apply. On the question of which vehicle category and which licence appear on your registration document, the page insuring a quad and trike goes into more detail.
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Quad: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
Causes beyond your control.
- Fire and storm
- Theft
- Windscreen damage
Comprehensive
Including damage you cause yourself.
- Own fault
- Vandalism
- Replacement-as-new period
What is covered
| Situation | Third-party liability | Third-party, fire and theft | Comprehensive |
|---|---|---|---|
| Damage to the other party | Yes | Yes | Yes |
| Theft | No | Yes | Yes |
| Fire and storm | No | Yes | Yes |
| Damage you cause yourself | No | No | Yes |
| Wear and mechanical defects | No | No | No |
| Driving without a valid licence | 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?
- Vehicle category on the registration certificate. The registration determines which rate and which conditions the quad comes under.
- Engine capacity and power. Heavier machines lead to higher claims costs in a collision and a roll-over.
- Where you ride. The public road only, or off-road as well; off-road use calls for an extension.
- Age and no-claims years. The rider's age and no-claims years built up count towards the rate.
- Storage. A locked shed or barn as against keeping it outside; quads are easily driven away.
- Additional modules. Riders' cover, personal accident cover or accessories cover come on top of the basic cover.
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.
Off-road riding is a separate agreement
A standard quad policy is written for the public road. Riding on your own or rented land, in the dunes, on a motocross track or on a wooded plot falls outside the cover under many sets of conditions. If you do that regularly, ask expressly for cover that includes off-road use and have the locations recorded. Without that extension, you bear both the damage to the vehicle and the liability for injury there entirely yourself.
Rolling over produces two losses at once
A quad has a high centre of gravity and a narrow track. On a sloping bank, at a ditch or in a bend taken with too much throttle it rolls over, and then there is damage to the vehicle and injury to the rider. Own-damage cover deals with the first. The second runs through personal accident or riders' cover that you have to choose separately. Third-party liability cover does not pay the rider, who is after all the person who caused the loss.
Use for work on the yard changes the policy
If you use the quad for spraying, towing or checking livestock, that is not private use. Report the use for work and also report any attachments and trailers: a sprayer, a spreader or a cart does not count on an ordinary quad policy. If staff work with it, your employers' liability under Article 7:658 of the Dutch Civil Code comes into play and an ordinary private policy is not enough.
Where the cover stops in any event
Three situations are absolute exclusions. Riding without the licence that goes with the vehicle category on your registration document causes all cover to fall away, including own-damage cover. Taking part in races, trials or speed events is never covered, not even on a closed circuit. And damage through wear or a mechanical defect, for instance a burnt-out clutch after heavy off-road use, falls outside every version.
Frequently asked questions
This is what people ask us most.
Is riding on my own land included in the cover?
Often not. Most quad policies are written for use on the public road and exclude off-road riding. If you ride on your own plot, a motocross track or rented land, ask for an extension and have the locations recorded. Without that agreement you bear both the damage to the quad and the liability for injury to others yourself.
Is my passenger insured?
A passenger injured through your doing is an injured third party and comes under third-party liability cover. However, you may only carry a passenger if the quad is equipped for one according to the registration document. If it is not, the insurer may recover the payment to the victim from you. For your own injury, separate personal accident cover is needed.
Do I have to stay insured while the quad is in the shed?
For as long as the registration is in your name, yes, under Article 2 of the Dutch Motor Insurance Liability Act (WAM). If you only ride in season, you can suspend the registration; the third-party liability obligation then falls away, but you may no longer use the public road either. Theft or fire cover does not automatically continue during a suspension, so ask what does remain in force.
Is a trailer or a mounted sprayer included in the cover?
No, not without being declared. A quad policy covers the vehicle as it was notified. A trailer, spreader, sprayer or winch belongs on the policy separately with its value stated. If damage is caused with it while it has not been declared, argument about cover arises. Also let us know if you use the quad for work on a structural basis.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a quad and trikeCategory, licence, cover
- Compare quad, trike and MP3 insuranceThree- and four-wheelers, registration, off-road use
- Insuring a 200 cc quad200 cc, registration, AM or B licence
- Insuring a 250 cc quad250 cc, registration, B or A licence
- Insuring a 350 cc quad350 cc, registration, B or A licence
- Insuring a 700 cc quad bike700 cc, registration, category A licence
- Insuring a scooterThird-party liability compulsory, theft, derestricting
- 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. Last updated on .
The information on this page is general in nature and is not personal advice.