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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
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.
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.
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.
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.
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.
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.
