ATV Insurance
Compare Quad Bike Insurance Quotes
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Compare affordable quotes from up to 25 UK quad bike insurers, including;
Why Compare Quad Bike Insurance Quotes at SimplyQuote.co.uk?
Comparing quad bike insurance helps riders find the right level of cover for how their ATV is used, avoiding overpriced or unsuitable policies from insurers who don’t understand specialist risks.
You’d be surprised how many insurers treat ATVs like awkward motorcycles or fail to distinguish between weekend hobbyists and farmers who rely on their quad daily. That matters when you’re trying to insure a machine that might be ridden through fields, forest tracks, or even on public roads.
At SimplyQuote, our comparison service is powered by Quotezone, giving you access to a panel of trusted UK providers who specialise in quad bike and ATV insurance. Every quote you see is tailored to how and where you use your vehicle—on-road, off-road, recreational, or work-based.
Instead of generic policies or insurance brokers unfamiliar with your setup, you get matched with insurers who know what they’re looking at. Whether it’s a modified road-legal quad or a utility ATV stored in a barn, our partners won’t be fazed by the details.
And with premiums that can shift significantly depending on storage, age, location, or licence type, comparing is more than a good idea—it’s how you avoid overpaying for the wrong cover.
What Do You Need To Get A Quote?
You’ll need to provide key details about your quad bike, how it’s used, where it’s kept, and who will be riding it. These factors determine your eligibility and the cost of your premium.
To get a quote for quad bike insurance, you’ll need to provide details about your vehicle, how you use it, and where it’s kept. It’s quick—but accuracy matters.
Insurers don’t just look at the make and model—they assess the risk based on how, where, and by whom the quad is ridden. Whether it’s for off-road leisure, agricultural use, or road-legal travel, the way you answer these questions will influence both your eligibility and your premium.
Here’s what you’ll typically be asked for:
- Quad bike type – Is it a utility ATV, a road-legal quad, or a purely off-road vehicle?
- Registration and road status – Is it taxed and insured for road use, or only operated on private land?
- Storage location – Will it be kept in a locked garage, farm shed, or out in the open?
- Engine size and modifications – Any changes to power, performance, or handling should be declared.
- Intended use – Used for recreation, farming, pest control, or transport? Each use carries a different risk profile.
- Security measures – Immobilisers, ground anchors, or trackers may reduce your premium.
- Licence and driving history – Your licence type, claims record, and any convictions will be factored in.
Most insurers won’t ask for documents up front, and you can get quotes online without picking up the phone. But be clear and honest—particularly around modifications, usage, and who’ll be riding. Get those wrong and you risk not just a pricier policy, but a rejected claim.
Why Do I Need Quad Bike Insurance?
Quad bike insurance is legally required if your ATV is used on public roads, and strongly recommended even for off-road use due to theft risk, accident liability, and expensive repairs.
It’s easy to assume that quad bikes, especially those used off-road, don’t need insurance. But in many cases, you’re legally obliged to have a policy—and in most cases, you’d be taking a serious financial risk without one.
If your quad is road-registered, it needs insurance just like any other motor vehicle. That means third party cover is the legal minimum. Ride it on a road without a valid policy and you could face fines, penalty points, or even seizure of the vehicle.
Even if it never touches tarmac, a quad bike is still at risk. Off-road quads are a common target for theft. Parts are valuable and often untraceable. Accidents—particularly rollovers and collisions—can also result in injury or damage to property. Without cover, you’re footing that bill yourself.
For working vehicles used on farms or rural properties, there’s also public liability to consider. If someone is hurt by your quad, or if it causes damage, you could be held personally responsible. A good insurance policy shields you from those risks.
So while it’s tempting to see it as optional, the reality is this: if your quad has value, is used near others, or touches a public road, insurance is not just a formality—it’s protection against real-world problems.
What Does Quad Bike Insurance Cover Include?
Most quad bike insurance policies cover theft, fire, accidental damage, and third-party liability—especially for road-legal quads. Levels of cover vary depending on use, value, and whether the ATV is registered for road use.
The scope of your cover depends heavily on what your quad is used for. A registered road-going quad used for commuting will require more extensive protection than a leisure ATV kept on private land. Still, most policies will fit into three broad categories: third-party only, third-party fire and theft, and fully comprehensive.
Here’s what’s typically included at each level:
| Cover Type | What It Usually Includes |
|---|---|
| Third-Party Only | Covers damage or injury caused to others. Legal minimum for road use. Doesn’t protect your quad. |
| Third-Party, Fire & Theft | Adds cover if your quad is stolen or damaged by fire. Still no protection for your own damage in an accident. |
| Comprehensive | Covers your quad, others’ property, theft, fire, vandalism, and sometimes off-road recovery. Ideal for higher-value or road-legal models. |
In addition to the core protection above, insurers may offer optional extras like:
- Legal expenses cover
- Breakdown and recovery (including remote rural areas)
- Helmet and riding gear cover
- Personal accident benefits
- Public liability cover for off-road or commercial use
Not all policies are created equal. Always check whether your intended use—be it farming, trail riding, or business transport—is covered. And be cautious with quad hire or shared use; some policies may explicitly exclude them unless declared.
What’s Not Included?
Most quad bike insurance policies exclude racing, business use (unless disclosed), poor storage security, and riding without a valid licence or registration. Damage during stunts or under the influence is also typically not covered.
Even a comprehensive policy comes with limits. And unlike with standard motor insurance, the exclusions can hit harder if your quad is used in non-standard ways—something insurers are particularly sensitive to in this category.
Let’s take a look at the common exclusions:
- Racing, stunts or timed events – Even if your quad is insured, competitive use is almost always excluded unless you’ve arranged specific motorsport cover.
- Commercial use – Policies designed for personal or leisure use may not protect you if you’re transporting goods or using your quad for agricultural work—unless this is declared at quote stage.
- Unapproved modifications – Changes to performance, exhaust, lighting or wheels can void a claim if not disclosed upfront.
- Inadequate security – Leaving your quad unlocked or parked on the street overnight without approved security may leave you unprotected in the event of theft.
- Unlicensed or unregistered use – If you’re using a road-legal quad without a valid licence, MOT, or insurance class, any claim can be refused.
- Riding under the influence – Alcohol or drug-related incidents are universally excluded and can carry legal penalties.
Always check your policy wording carefully. If you’re unsure about whether your use case is covered—especially if you use your quad on private land or share it with others—it’s worth confirming before you buy.
How Much Does Quad Bike Insurance Cost?
Quad bike insurance typically costs between £150 and £400 per year in the UK, but premiums can vary significantly depending on usage, age, location, and security features. On-road quads are generally more expensive to insure than off-road-only ATVs.
Premiums for quad bike insurance aren’t one-size-fits-all. Insurers weigh up a mix of risk factors—from whether your quad is taxed and registered for public roads, to whether you store it in a garage or leave it parked in a field.
ATVs used recreationally on private land with basic third-party protection will usually fall toward the lower end of the pricing spectrum. On the other hand, a powerful road-legal quadbike kept in an urban postcode and used for commuting will sit much higher.
Let’s break it down:
| Scenario | Estimated Annual Premium |
|---|---|
| Basic off-road leisure use (rural storage) | £150 – £220 |
| Road-legal quad, used weekends only | £200 – £300 |
| Daily use on public roads | £300 – £400+ |
| Modified quad with declared upgrades | £350 – £450+ |
Key factors influencing price include:
- Age and driving history of the rider
- Type and value of the quad
- Where it’s kept overnight
- Security features like locks or trackers
- Any previous insurance claims
- Whether pillion passengers are carried
It’s always worth comparing quotes—even a £100 annual swing is common between insurers offering similar cover. We’ve seen premiums drop sharply for riders who add an alarm or change storage location.
How Can I Save Money On Quad Bike Insurance?
To save money on quad bike insurance, focus on storage, security, and choosing the right level of cover. Reducing risk is the fastest way to reduce premiums.
It’s not just about shopping around—although that helps too. Quad insurance pricing is sensitive to how, where, and why you ride. Most insurers will shave pounds off your premium if you give them reasons to trust you won’t make a claim.
Don’t just think in terms of price. Think in terms of insurability. A quad bike locked in a secure garage with a wheel clamp and GPS tracker tells a completely different story than one chained to a fence in full view.
Here are smart ways to lower your costs:
- Store securely – Keep your quad in a locked garage or use a Thatcham-approved lock.
- Add security tech – Immobilisers, trackers, and alarms can help lower your premium.
- Be selective with modifications – Cosmetic tweaks are usually fine; performance upgrades less so.
- Limit road use – Off-road-only use is cheaper. If you don’t ride on public roads, say so.
- Build up no claims – A clean claims record helps, especially with specialist insurers.
- Join an owners’ club – Some niche insurers offer club discounts to ATV or quadbike members.
- Pay annually – It’s cheaper than paying monthly due to interest charges.
One more tip: always compare quotes at renewal. Loyalty isn’t always rewarded in this part of the market. We often see better deals offered to new customers through comparison tools like the one at SimplyQuote.
How To Compare ATV & Quad Bike Insurance Quotes At SimplyQuote?
To compare quad bike insurance quotes, enter details about your vehicle, how it’s used, and where it’s kept. SimplyQuote then shows you tailored results from trusted UK insurers—fast, no fuss.
You don’t need to be an off-road expert to get the right policy. The SimplyQuote system skips the waffle and focuses on what actually shapes your premium. It’s transparent, fast, and gives you space to compare without pressure.
Here’s how the process works:
- Tell us about your quad
Type, make, model, engine size, whether it’s road-legal, and any modifications. - Describe your usage
Recreational riding, farm work, green laning—how you use the ATV matters. So does whether it’s used on or off the road. - Add security info
Quad bikes are theft targets. Mention locks, alarms, secure storage, or trackers—it all helps insurers assess risk. - Compare your quotes
You’ll see side-by-side results from a panel of UK providers. Don’t just look at price—check cover limits, excess, and exclusions. - Apply online
When you find the right policy, just follow the link to the insurer’s site. Most won’t ask for paperwork, and there’s no need to ring anyone.
If you’re stuck on any question, the site’s help prompts give straightforward guidance—no jargon, no gatekeeping. Quad insurance is more complex than car or bike cover, but comparing quotes doesn’t have to be.
Frequently Asked Questions
Not always. If your quad is only ever used on private land with no public access, insurance isn’t legally required—but theft, fire, or damage cover may still be worthwhile.
Yes, some insurers offer off-road policies that don’t require a driving licence. However, road-legal quad insurance typically requires a valid UK driving licence and sometimes CBT certification.
Electric quad bikes may be cheaper to insure due to lower speeds and engine power. However, their value and theft risk can offset the savings, depending on use and insurer.
You must be at least 17 to hold insurance for a road-legal quad in the UK. Off-road quads for younger riders may be covered under specialist recreational or family policies.
Off-road quad bikes can be insured without DVLA registration. For road use, registration, tax, MOT, and number plates are mandatory before insurance is granted.
Not usually. A CBT (Compulsory Basic Training) certificate is only required if you’re riding a quad bike classed as a motor tricycle on public roads with a provisional licence.
Only if your policy explicitly includes it and the quad is legally approved to carry passengers. Most quads aren’t designed for more than one rider—check your manufacturer’s specs and policy terms.
Rarely. Most insurers treat quads as a separate risk category due to different use, handling, and theft profiles. A standalone quad policy is usually required.
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Written by Chris Richards
Page last reviewed on 16th June 2025 by Chris Richards