Anyone interested in quad bike insurance must first have at least a basic understanding of where these vehicles come from and what their characteristics are. Also known as all-terrain vehicles (ATVs), they are four-wheeled vehicles that date back to 1893 when Royal Enfield designed the first four-wheeler for horseless carriage use. After that, Honda was the first modern company to make quads in the 1970s. For someone to be allowed to drive such a vehicle on public roads, he or she should have tax and registration requirements, a B1 driving license and insurance.
Typically, quad bikes are intended to be driven on private property or on occasions such as racing or rallies. However, it is possible to use one on public roads, but basic functions that scooters or mopeds require are a must. Examples are turn signals, headlights, brake lights, a speedometer, mirrors and a plate with the registered number. Drivers should be at least 17 years old and must wear a hard hat at all times. Most models have these items installed at the time of purchase. However, if this is not the case, then missing elements should be installed by professionals.
Not many people choose to own ATVs, and they’re especially rare outside of places like farms or mountain resorts. As a result, it has become quite difficult to find a good deal on quad bike insurance. Still, don’t get discouraged because with the right guidelines in mind, it’s not impossible to get a decent bounty. Everyone wants to get the best insurance for their investment so he or she can enjoy the ride with peace of mind.
After a driver has selected a company that suits their needs, a few factors should be considered. Choosing the right liability insurance is almost as important as choosing the right brand of ATV. Insurers typically cover the rider, the ATV, injured people, or destroyed property in an accident. Advanced plans include protection in the event of fire, theft, storm or flood. Another important point to consider is the obligation to report attachments. There are discounts for owners of several bicycles, senior citizens and vintage cars.
All in all, people looking for quad insurance should remember that getting a policy isn’t something that should be done just because the law requires it. Accidents happen and it’s best to be prepared.