Anyone interested in quad bike insurance should first have at least a basic understanding of where these vehicles come from and what their features are. Also known as off-road vehicles (ATV), they are four-wheeled vehicles dating all the way back to 1893 when the first quadracycle was designed by Royal Enfield for horseless carriages. Then, in the 1970s, Honda was the first modern company to produce quads. In order for someone to drive such a vehicle on public roads, he or she must have tax and registration, a B1 driver’s license and insurance.
Usually, quads are intended for driving on private property or on occasions such as races or rallies. However, it is possible to use one on public roads, but basic functions required by scooters or mopeds are a must. Examples are indicators, headlights, brake lights, a speedometer, mirrors and a plate with the license plate. Riders must be at least 17 years old and are required to wear a safety helmet at all times. Most models come with these items installed at the time of purchase. If not, however, any missing elements should be installed by professionals.
Not many people choose to own ATVs and they are especially rare outside of places like ranches or mountain resorts. Consequently, it has become difficult to find a good deal on quad bike insurance. Still, one should not get discouraged, because with the right guidelines in mind, it is not impossible to find a decent bounty. Everyone wants the best insurance for their investment so they can enjoy the ride with peace of mind.
After a driver chooses a company that meets his or her needs, a number of factors must be considered. Selecting the right liability coverage is almost as important as choosing the right ATV brand. Insurers usually cover the driver, the ATV, injured persons or destroyed property in the event of accidents. More comprehensive plans include protection in the event of fire, theft, storm or flood. Another important element to keep in mind is the fact that any add-on components must be reported. Discounts are available for owners of multiple bikes, seniors and vintage bikes.
All in all, those looking for quad bike insurance should remember that taking out a policy is not something that should be done just because the law requires it. Accidents happen and it’s best to be prepared.