How to take out quad insurance?
To take out an insurance contract for your quad, there are several options. Everything lies in the methodology to be adopted, the type of quad and the different laws related to its driving or not. Indeed, the choice of the insurance company could prove to be perilous, since the latter are not very specialized in this type of insurance.
Even if you can find one that's right for you, not all of them support insurance for different types of quads.
To increase your chances, compare land vehicle insurance companies using insurance comparators. Here are the steps to follow to make your subscription.
Identify the type of quad
We mainly have 2 types of quads. This is the homologated quad which confers the right to ride on public roads and the unapproved quad which forces you to take private roads. The subscription method differs in the two cases, since there are particular obligations in terms of the characteristics of the machine and the qualifications of the driver according to each type of quad.
Homologation is obtained with a quad in good condition. Thus, the quad must have its license plates on the front and rear.
Also, its brakes must be in good condition, the mirrors must be present and also in good condition, the headlights and turn signals must work correctly. It is the same for the horn, engine and tire which must be compliant. As for the power, it must be less than 20 hp and the weight must not exceed 400 kg. In the event that these checks are not validated, the quad will be of an unapproved type.
Obtain the necessary documents and information
To subscribe and insure your quad, you will need to provide online comparators or insurance agencies with the necessary insurance documents and information, which will then offer you a quote. The information to be communicated concerns: the vehicle registration document, the identity document and the driver's license.
What are the criteria for choosing quad insurance?
As for the final acceptance of the conditions of a quote, subject to your consideration, you must absolutely take into account certain criteria so as not to regret your choice.
So that you don't have to spend a lot more than you need to, or choose a plan that doesn't cover all the costs and worse, put you at a disadvantage, consider knowing the types of insurance. Their relationship to each type of quad, as well as other customization criteria will help you avoid making the wrong choice.
Knowledge of the different types of insurance
ATV owners generally have three types of insurance.
Third-party quad insurance plus: It offers you civil liability coverage and legal protection. In other words, if you are responsible for an accident, it offers you protection, and if you are the victim of the accident, you are supported.
Intermediate quad insurance: A little more expensive than the previous one, it offers the same guarantees, but with the added bonus of other guarantees such as support in the event of loss or theft.
All-risk insurance: As its name suggests, it allows you to subscribe to all possible forms of guarantees that the insurance company (s) can offer you. With this last formula, you will be fully covered for bodily injury suffered by you and material damage suffered by your machine.
There is another option that is not offered by all agencies and that is kilometer insurance.
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