Quad Bikes are divided into two main categories namely: –
- Off Road use – those never ridden on the public highway but only private property
- On Road use – those used on both the public highway and private property, such as in farming, for commuting and as Public Service vehicles.
Off Road Use
A Quad Bike commercial activity centre, where the bikes are never used on the road, will require a range of insurances to protect the Owner/Operator against a potential loss. An individual using a Quad Bike for personal use on private property, will also require the first of these, namely: –
Each vehicle requires Fire, Theft and Accidental Damage insurance, to the value of each bike. This means that if it is damaged by the rider during use, the cost of repair or the market value of replacement will be met by Underwriters, subject to policy conditions.
Public Liability Cover
As the Owner/Operator of a business, it is essential that this cover be put in place in order to protect that entity’s exposure to claims that may be made against them, by members of the public using the Quad Bike facilities.
Employers Liability Cover
The number of staff that may be employed by the Quad Bike centre will depend on the size of the business. However regardless of the number of employees, the Owner/Operator has a legal responsibility for possible injury or illness caused to staff during the course of their employment. This insurance is intended to protect an employer and duly indemnify them against such potential claims.
On Road Use
In order for a Quad Bike to be used on the public highway, the vehicle must be deemed to be “street legal” which basically means it has been passed as Road Worthy by the appropriate authority and that the correct Road Tax has been paid to permit use on the road.
A Quad Bike that meets the On Road criteria mentioned above, would need appropriate Road Traffic Act insurance, similar to that of a motorbike, to be put in place. Quad bike insurance would take into consideration the age and experience of the driver(s) as well as the intended use of the vehicle.
As with motorbikes, the insurance cover may be restricted only to Third-Party, Fire and Theft but could be increased to fully Comprehensive which would include any damage, accidental or otherwise, to the vehicle itself.