ATV Insurance
ATV & Quad Bike Insurance Quotes
You could pay less than £255* for your ATV & quad bike insurance.
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Compare affordable quotes from up to 25 UK quad bike insurers, including;
What Is Quad Bike Insurance?
Quad bike insurance is a specialist motor policy that covers all-terrain vehicles (ATVs) and quad bikes for use on UK roads, private land or both.
Policies work like standard motorbike cover but are priced for the unique risks of four-wheeled off-road vehicles. Whether you ride for leisure, farming or daily commuting, you need a policy that matches how and where you use the quad.
If your quad is road-registered, Section 143 of the Road Traffic Act 1988 makes it a legal requirement to hold at least third-party insurance before riding on any public road.
How To Compare Quad Bike Insurance Quotes
Comparing quotes takes a few minutes and shows you which specialist insurers cover your type of quad at the best price.
Enter your details and quad information
Provide your age, postcode, licence type and the quad's make, model and engine size. State whether the vehicle is road-registered or used only on private land.
Select your cover level and usage
Choose third-party only, third-party fire and theft, or comprehensive. Specify your primary use: recreational, agricultural, commuting or a mix.
Review and compare results
Results appear side by side from a panel of FCA-authorised insurers. Filter by price, excess level or included extras to find the best fit.
Buy your policy online
Select your preferred quote and complete the purchase directly with the insurer. Cover can start the same day, so you do not need to wait before riding.
Why Do You Need Quad Bike Insurance?
You need it because riding a road-legal quad without insurance is a criminal offence, and even off-road use carries financial risks that a policy covers.
Legal Requirement for Road Use
Any quad bike ridden on a public road must be insured, taxed and registered. The rules for quad bikes on roads also require the rider to hold a full car licence (category B) or a B1 licence issued before January 1997.
The fixed penalty is £300 and six points on your licence. If the case goes to court, the fine is unlimited and you face disqualification plus seizure of the vehicle.
Off-Road and Private-Land Liability
Even on your own farmland or private estate, an accident involving a passenger, bystander or neighbouring property could leave you personally liable for injury and damage costs.
A quad rolling on uneven ground can cause serious injuries. Without a policy, you would pay medical bills and compensation from your own pocket.
Off-road-only policies are available specifically for quads that never touch public roads. They tend to cost less because road-traffic risk is removed.
Agricultural and Farm Use
The HSE identifies transport incidents as the leading cause of fatal injuries on farms, with quad bikes among the most common vehicles involved. A dedicated policy covers liability if someone is injured near the vehicle while you work.
Farm insurance sometimes includes quad cover, but many policies exclude road use or limit the engine size covered. Check your existing farm policy before assuming you are protected.
Theft Protection
Quads stored in rural outbuildings and open yards are frequent theft targets. A policy with theft cover pays the market value if the vehicle is stolen and not recovered.
Rural theft statistics show quad bikes are among the top five items stolen from farms each year. Replacing a mid-range quad costs £4,000 to £8,000 out of pocket without cover.
What Does Quad Bike Insurance Cover?
Cover ranges from the legal minimum of third-party only up to comprehensive, which also protects your own vehicle against accidental damage and theft.
Third-Party Only (TPO)
Pays for injury or damage you cause to other people and their property. It does not cover repairs to your own quad or its replacement if stolen.
TPO is the cheapest option and meets the legal minimum for road use. It suits owners of older or lower-value quads where replacement cost is manageable.
If your quad is worth less than £1,500, TPO often makes financial sense because the annual saving over comprehensive can exceed the vehicle's value within a few years.
Third-Party Fire and Theft (TPFT)
Adds protection if your quad is stolen or damaged by fire. This is the most popular level for recreational riders who store their quad in a shed or outbuilding.
Premiums sit between TPO and comprehensive. For a quad worth £2,000 to £5,000, the theft element alone justifies the small extra cost.
Comprehensive
Covers everything in TPFT plus accidental damage to your own quad, even if the incident is your fault. Some policies also include personal accident cover and riding gear protection.
Comprehensive is worth considering for newer or higher-value quads, especially those used on roads where collision risk is greater than on private land.
Optional extras such as breakdown recovery, legal expenses and helmet cover are usually bundled with comprehensive policies at a lower cost than buying them separately.
How Do The Cover Levels Compare?
The three levels differ in what they protect and in the extras they usually carry.
| Cover Level | Third-Party Damage | Fire and Theft | Own-Vehicle Damage | Typical Extras |
| TPO | Yes | No | No | None |
| TPFT | Yes | Yes | No | Personal injury |
| Comprehensive | Yes | Yes | Yes | Riding gear, breakdown, legal expenses |
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What Is Not Covered By Quad Bike Insurance?
Standard policies exclude certain activities and situations. Knowing the limits before you buy prevents rejected claims.
Racing, Stunts and Competitive Events
Any form of organised racing, time trials or stunt riding is excluded from standard cover. You would need a separate competition insurance policy.
Undisclosed Commercial Use
If you use the quad for paid work such as towing, hire or guided tours without declaring it, claims can be declined. Always state the correct usage class at the quote stage.
Unapproved Modifications
Aftermarket bull bars, engine upgrades, snorkel kits or oversized tyres must be declared. Non-disclosure can void the entire policy if you need to claim.
Unlicensed or Underage Riders
Claims will be refused if the rider does not hold the correct licence category for road use or is below the minimum age. On public roads, the minimum age for a quad is 17.
Riding Under the Influence
Any claim made while the rider is over the legal alcohol or drug limit will be declined. This applies on both public roads and private land.
Even casual race events on private land fall outside the policy if the insurer classes them as competitive use. Check the wording before entering any organised event.
Some insurers refuse to cover heavily modified quads at all. If your quad is modified, look for a specialist provider who accepts non-standard vehicles.
Children can ride quads on private land at any age, but insurance policies typically set their own minimum age. Check the policy wording before letting younger riders use the vehicle.
Prescription medication that impairs your ability to ride safely can also void a claim. Check the label for driving warnings before getting on the quad.
How Much Does Quad Bike Insurance Cost?
Annual premiums typically range from £150 to £450, with the main price factors being the quad's value, its primary use and where it is stored.
| Usage Type | Cover Level | Estimated Annual Premium |
| Off-road recreational only | TPFT | £150–£220 |
| Road-legal weekend rider | Comprehensive | £200–£300 |
| Agricultural/farm use | TPFT | £180–£280 |
| Daily road commuter | Comprehensive | £300–£450 |
Road-legal quads attract higher premiums than off-road-only machines because they face collision, theft and road-traffic risks. A road-registered quad used for daily commuting sits at the top of the pricing range.
Paying monthly instead of annually adds roughly 8–11% in interest charges. If you can afford the lump sum, paying upfront saves money over the policy year.
Engine size also affects the price. Quads with engines above 400cc cost more to insure than smaller utility models because repair parts are pricier and top speeds are higher.
Modifications also push premiums up. A snorkel kit, bull bar or engine remap adds to the insured value and signals higher risk to the underwriter.
Your claims history matters just as much as the vehicle. A clean five-year record can cut the quoted price by more than half compared to a rider with recent claims.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in June 2025 were quoted less than £255.01. The price you could achieve is dependent on your individual circumstances
How To Save Money On Quad Bike Insurance
A few practical changes to storage, security and how you buy your policy can reduce premiums by hundreds of pounds.
Store the Quad in a Locked Building
A locked garage, barn or purpose-built shed lowers theft risk in the insurer's eyes. Open yards and unfenced fields attract higher premiums because they offer easy access to thieves.
Fit Approved Security Devices
A Sold Secure or Thatcham-approved chain, ground anchor or GPS tracker qualifies for discounts with many providers. Using two security devices together has the biggest impact.
Limit Modifications
Every non-standard part added to a quad increases its insured value and perceived risk. Keeping the vehicle closer to factory specification helps keep premiums down.
Restrict Road Use
If you only ride the quad on private land or farm tracks, an off-road-only policy costs less than road-legal cover. Declare the correct usage to avoid overpaying.
Build Your No-Claims Bonus
Each claim-free year earns a discount that can reach up to 65% off the base premium after five years. Some insurers also let you protect your NCB for a small additional charge.
Pay Annually Instead of Monthly
Spreading the cost over monthly instalments is convenient, but the interest charges add 8–11% to the total. Paying in a single lump sum removes that extra cost.
Compare Quotes Before Every Renewal
Loyalty rarely pays in insurance. Running a fresh comparison each year ensures you are not overpaying for the same level of cover.
If a locked building is not available, a concrete ground anchor with a heavy-duty chain is the next best option. Some insurers require proof of secure storage before applying a discount.
GPS trackers also improve recovery rates if the quad is stolen. Some insurers waive the excess entirely when a tracked vehicle is recovered within 24 hours.
Some riders only need the quad on the road for short stretches between fields. A seasonal road-use add-on may cost less than year-round road-legal cover.
Protecting your NCB costs a small percentage of the premium but preserves the discount even if you make one claim during the policy year.
Start comparing at least three weeks before your renewal date. This gives you time to review options without being rushed into accepting a higher price.
If you also insure a car or van, check whether your car insurance or van insurance provider offers a multi-vehicle discount.
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Frequently Asked Questions
There is no legal requirement, but an off-road-only policy protects you against liability if someone is injured or property is damaged while you ride.
You need a full car licence (category B) or a B1 licence issued before January 1997. Provisional licence holders cannot ride a quad on public roads.
No. Road-legal quads need a valid MOT, road tax and at least third-party insurance before they can be ridden on public roads.
In England, Scotland and Wales there is no legal requirement, but it is strongly recommended and some insurers require it as a policy condition. In Northern Ireland, helmets are compulsory on public roads.
Only if the quad is designed for passengers and has a proper passenger seat. Carrying passengers on a single-seat quad is dangerous and may invalidate your insurance.
No, quad bikes need their own separate policy. Car insurance does not extend to quad bike use, regardless of the licence you hold.
It varies, but quad insurance is often cheaper because quads are typically used at lower speeds and for shorter distances than road motorcycles.
Yes, most specialist providers now offer cover for electric ATVs. You declare the motor power in kilowatts instead of engine capacity.
Some farm policies include limited quad cover, but many exclude road use or cap the engine size. Check your existing policy and add standalone quad cover if gaps exist.
Yes. Off-road-only policies cover quads used exclusively on private land, farms or designated trails without needing road registration.
Yes. Alongside quad bikes, you can compare motorbike insurance for all engine sizes, 125cc bike insurance for smaller machines and moped insurance for low-powered two-wheelers.
Cover can start the same day you buy the policy. Most insurers let you choose your start date at the checkout stage, so you can arrange cover in advance too.
