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 and trike
Quads and trikes are two different vehicles whose only common feature is that neither fits any standard rate.
- 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
A quad is a four-wheeler, a trike is a three-wheeler usually built on a motorcycle base. Each is registered in its own vehicle category, and that category on the registration document determines which licence you need, whether a helmet is compulsory and which rate an insurer applies. Appearance says nothing about it. The registration does.
The practical problem is that many of these vehicles have been converted or assembled. A trike is often built on an existing motorcycle frame, a quad is given different power or different tyres. As soon as the vehicle departs from the type approval under which it is registered, what is stated on your policy no longer matches reality.
Insurers therefore often ask for a test report or for photographs of the vehicle when you apply. On the question of where you may and may not ride a quad, and what applies off-road, there is more on the page insuring a quad.
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Quad and trike: 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?
- Registered vehicle category. The category on the registration document determines the rate, the licence requirement and the conditions that apply.
- Engine power and weight. Heavier and more powerful versions lead to higher claims costs in a collision.
- Original or converted version. Home-built vehicles and modified engineering call for testing and a separate assessment.
- Number of seats. Whether the vehicle is equipped for a passenger counts towards acceptance and the rate.
- Riding experience and no-claims years. Holding a licence, age and no-claims years built up all count towards the premium.
- Type of storage. Locked storage lowers the theft risk; parking outside clearly raises it.
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.
The category on the registration document is decisive
Depending on their construction, weight and power, quads and trikes are placed in different European vehicle categories. From that follows which driving licence is required and whether a helmet is compulsory. Do not go by what the seller said or by what is usual for the make; read the registration document. Riding without the required licence is an absolute exclusion: the insurer pays the victim and then recovers that amount from you.
Conversions and home-built vehicles must be reported
A trike on a motorcycle frame, a quad with a different engine or a modified rear axle departs from the type approval. Such a change must be reported when you apply. If you conceal it, that is a breach of your duty of disclosure under Article 7:928 of the Dutch Civil Code and the insurer can rely on Article 7:930 of the Dutch Civil Code after a loss. Keep the test report and photographs of the version as it was approved.
Trikes and quads differ in road holding and claims pattern
A trike has a wide rear end and a single front wheel: it does not readily roll over, but it brakes and steers differently from a motorcycle, which makes rear-end collisions its typical claims pattern. A quad, by contrast, has a high centre of gravity and rolls over in bends. That difference shows in the rate and in the question of whether riders' or personal accident cover makes sense. Describe how you actually use the vehicle when you apply.
Exclusions that recur on both
Three things are never paid. Damage during races, skill trials or track training falls outside every cover. Unapproved modifications to the engine, exhaust or suspension mean that the damage stays at your expense. And carrying a passenger on a vehicle not equipped for one according to the registration document gives the insurer a right of recovery against you for what was paid to the victim.
Frequently asked questions
This is what people ask us most.
Which licence do I need for a trike?
That follows from the vehicle category on the registration document, not from the shape of the vehicle. Depending on the construction and power, a car or a motorcycle licence may be required. Check it before you ride: riding without the required licence excludes all cover, after which the insurer does pay the victim but recovers that amount from you.
Do I have to report a conversion to my insurer?
Yes. A changed engine, different suspension or a self-built frame departs from the type approval and changes the risk. Report it when you apply and on every later change. Concealing it is a breach of the duty of disclosure under Article 7:928 of the Dutch Civil Code. The insurer can then rely on Article 7:930 DCC after a loss and refuse or limit payment.
Is a helmet compulsory?
That depends on the category in which the vehicle is registered and on the version, for instance whether it has an enclosed body and seat belts. The registration document and the RDW register give the answer. If you ride without a helmet where one is compulsory, that can be taken into account as contributory negligence in the event of injury and reduce your own payment under personal accident cover.
Can I put a quad and a trike on one policy?
No, each vehicle has its own registration and therefore its own policy with its own conditions. They can, however, be bundled into a package with the same insurer, so that the administration and the excess run in step. When doing so, check for each vehicle whether off-road use, carrying passengers and modified parts have been included in the acceptance.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Compare quad, trike and MP3 insuranceThree- and four-wheelers, registration, off-road use
- Insuring a quadRegistration, off-road, third-party liability
- Insuring a 250 cc quad250 cc, registration, B or A licence
- Insuring a 350 cc quad350 cc, registration, B or A licence
- Insuring a trikeVehicle category, driving licence, cover
- Insuring a 200 cc quad200 cc, registration, AM or B 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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.