Agricultural Quad Bikes: UK Insurance Requirements & Safety Regulations for Farmers
Quad bikes or ATVs are incredibly useful types of vehicles to have when you own a farm. They’re great for transporting smaller pieces of equipment and other types of materials as well as herding livestock. If you have a quad bike or plan to get one for your farm, you’ll need to know what the insurance requirements and safety regulations are. That’s what we’ll be covering in this guide, including how to save money on quad bike insurance.
Key points
Do I Need Insurance For An Agricultural Quad Bike?
If you plan to use the quad bike on public roads in any capacity, then you’ll need to have insurance in place. Below are the main types of cover you can get for a quad bike or ATV:
- Third party only: This is the minimum level of cover you’ll need to make a quad bike legal to ride on public roads.
- Third party, fire and theft: This is the same as third party only except you’re also covered fire damage and theft of your vehicle.
- Comprehensive : A comprehensive quad bike policy will cover your bike for all types of accidents, even those that you’re liable for.
What is the best type of cover to get for an agricultural quad bike?
This will depend on how you plan to use it. If you’re going to be using it on public roads, then you’ll need to have third party only insurance in place at a minimum. If you’re going to exclusively use it on your own land, it’s still a good idea to have fire and theft cover.
How can I save money on quad bike insurance?
Some good ways to save money on quad bike insurance are:
- Make sure is kept somewhere secure, like a locked garage
- Get a limited mileage policy
- Keep insurance options to a minimum
- Shop around for quotes
How can I make sure my quad bike is road legal?
In addition to having third party insurance in place, there are other steps you need to take in order to ensure your quad bike is legal to ride on public roads. You can find a full list of the rules here.
In Summary
- If you’re using your quad bike exclusively on your own land, you don’t need insurance but it’s still recommended so your vehicle is protected for risks like fire damage and theft
- If you’re planning to use your bike on public roads, you’ll need to have third party insurance in place
- You’ll need to make sure your quad bike adheres to road safety standards to use it on public roads too, so check that all mirrors, breaks, lights and tyres are up to standard.
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