Quad Bike Insurance Guide

Quad Bike Insurance is another form of vehicle insurance. When shopping around for quad bike insurance it is important to keep in mind that most insurers will cover the vehicle for off-road use, since that is the main design of the vehicle, and should you have an accident on the road, they may not pay because quad bikes are not normally registered for road use. If yours is be sure to let the insurer know, and also stick to the rules of the road.

Since Quad Bike Insurance is mainly off road cover, the insurance is normally taken out to cover accident and theft. When comparing quad bike insurance from different insurers it is important to look at the first amounts payable, or excesses. One insurer might have a lower premium, but expect you to pay for the first R 10,000 damage, while the other insurer might only request that you cover the first R 4,000 damages, but their premium could be a few rand more per month.

Always read the policy wording, and ensure that you keep you quad bike locked up as described by the policy wording so that there can be no issues should a claim for theft arise. This is the most common reason why claims are repudiated by the insurers. Also if you are travelling with your quad on a trailer, ensure that it is locked to the trailer securely. Many claims arise from the quads being stolen from the trailer while the client was in the shops. If it was not locked down securely the insurer might refuse to pay the claim.

South African Quad Bike Insurance Companies