🏍️ Motorcycle Insurance: How to Choose Wisely and How Much Does It Cost? – BTS Insurance Course

Summary

The quad insurance is a legal obligation, whether you use your vehicle for leisure or professional purposes. Different plans are available to suit your needs, but how do you choose the best coverage at the best price? Discover in this article the types of contracts, essential guarantees, and the prices charged.

🔍 Why take out insurance for your quad?

The quad is a motorized vehicle which, like motorcycles and cars, must be insured to operate legally. Whether you use your quad on the road or solely on private land, civil liability insurance is a legal obligation in France. This rule is imposed by Article L211-1 of the Insurance Code, which states that every land vehicle with a motor must be covered by a minimum guarantee to protect third parties in case of an accident.

Without insurance, the owner of a quad exposes themselves to serious sanctions, even if they use their machine only for private leisure.

🚨 What are the risks of lacking insurance?

Driving without quad insurance can lead to severe sanctions, ranging from substantial fines to driving bans. Law enforcement can stop a quad at any time and impose immediate penalties.

In case of an accident with an uninsured quad, the financial consequences can be catastrophic.

💥 An accident without insurance: what are the consequences?

If a quad driver without insurance causes an accident, they will have to pay in full the material and bodily damages caused to another person.

• Property damage: If they hit a car, wall, or urban furniture, they must reimburse the repairs out of pocket.
• Bodily injuries: If they injure a pedestrian, cyclist, or another driver, medical expenses can reach several thousand euros.

If the accident is serious, the Compensation Fund for Mandatory Insurance (FGAO) will cover victims’ compensation. However, the driver will have to repay these amounts, which can amount to tens of thousands of euros.

🏁 Does a non-approved quad need to be insured?

Even a non-approved quad, which does not travel on the road, must be insured. Indeed, any motorized vehicle presents risks, even on private land.

• An accident on private land can cause damage to third parties (other drivers, pedestrians, infrastructure).
• If a passenger falls from the quad, they can claim compensation for their injuries.
• In case of fire or theft, an suitable insurance helps to limit losses.

💡 Good to know: Some insurers offer specialized contracts for non-approved quads, covering only damages on private land.

📜 Available types of quad insurance

Insurance companies offer several plans suited to the needs of quad drivers. Whether you ride regularly or occasionally, it is essential to choose the right coverage to avoid unexpected expenses in case of accident, theft, or damages.

🏆 Main quad insurance plans

Each insurance contract offers different levels of protection, ranging from the minimum mandatory coverage to full protection.

💡 Good to know: The higher the engine capacity of the quad, the more expensive the insurance, as the risk of accidents and theft is higher.

⚠️ Focus on different quad insurance plans

🛑 1. Third-party insurance: the mandatory minimum coverage

The third-party insurance is the basic plan, mandatory for all quads. It includes only the civil liability guarantee, which covers property and bodily damages caused to a third party in case of an accident.

✅ Advantages:
✔ Lower cost: this is the cheapest insurance.
✔ Legal obligation met.

❌ Disadvantages:
✖ Does not cover damages on your own quad.
✖ No coverage in case of theft, fire, or vandalism.

💡 Best suited if: You have a used quad, of low value, or if you use it rarely.

🔄 2. Intermediate insurance: a good compromise

The intermediate insurance, also called “extended third-party”, is an enhanced version of third-party insurance. It includes additional guarantees such as:

• 🔥 Fire guarantee: covers your quad in case of fire caused by an accident.
• 🚗 Theft guarantee: protects your quad against theft or disappearance.
• 🌪 Natural disasters guarantee: covers damage caused by storms, floods, or other weather events.

✅ Advantages:
✔ Good value for money.
✔ Protection against theft and fire.

❌ Disadvantages:
✖ Still does not cover all accidents damages.
✖ May be insufficient for a new or high-end quad.

💡 Best for: You want a good level of protection without paying a too high insurance premium.

🔰 3. All-risk insurance: maximum protection

The all-risk insurance is the most comprehensive plan. It covers all damages, even those caused by you to your quad.

🔹 It includes all guarantees of intermediate insurance, with additional coverage for:

• All accidents damage guarantee: covers repairs even if the accident is your fault.
• Glass breakage guarantee: covers mirrors, headlights, and other glazed parts.
• Accessories and equipment guarantee: covers protection, helmets, and riding gear.

✅ Advantages:
✔ Maximum protection, even in case of fault responsible accident.
✔ Repairs covered on your own quad.

❌ Disadvantages:
✖ High cost, especially for young drivers.
✖ May include significant deductibles.

💡 Best if: You have a new or expensive quad, or if you drive frequently on road and off-road.

🏁 How to choose the right quad insurance plan?

The choice of your insurance depends on several factors:

📌 Quad usage: An occasional use might require less coverage.
📌 Vehicle value: A new or high-end quad deserves all-risk insurance.
📌 Your budget: The third-party insurance is the cheapest, but offers less protection.

💡 Our advice: Compare several online quotes to find the most suitable offer for your needs and budget! 🚀

⚙ What guarantees to choose for quad insurance?

The choice of quad insurance guarantees depends on your usage, the value of your vehicle, and the risks involved. Some quad riders only drive on private land, others use their approved quad on the road. Each situation requires appropriate protections.

✅ Essential guarantees for insuring a quad

💡 Tip: If you use your quad occasionally, consider a per kilometer insurance to pay less.

🛑 1. Civil liability: a legal obligation

Liability insurance is the only mandatory guarantee for any motorized quad. It covers property and bodily damages caused to a third party in case of an accident.

💡 Example: You hit a pedestrian or damage a parked car, your insurance will cover repairs and medical expenses of the involved third party.

✅ Advantages:
✔ Compliance with the law.
✔ Compensation for victims in case of an accident.

❌ Disadvantages:
✖ Does not cover damages to your quad or your injuries.

🔥 2. Theft and fire coverage: protecting your investment

A quad is a vehicle frequently stolen, especially new and powerful models. The theft and fire guarantee compensates you in case of disappearance or Total destruction of the vehicle.

💡 Example: Your quad is stolen from your garage, your insurance reimburses you based on its estimated value.

✅ Advantages:
✔ Coverage in case of theft.
✔ Handles damages caused by fire.

❌ Disadvantages:
✖ Deductible can be high.
✖ Often requires an approved lock for compensation.

🚗 3. All risks damages guarantee: complete protection

This guarantee covers all damages suffered by your quad, even if you are responsible for the accident. It is especially recommended if you frequently drive on roads or if your quad is new and expensive.

💡 Example: You lose control of your quad and hit a tree, the insurance covers repairs.

✅ Advantages:
✔ Reimbursement of repairs for your quad.
✔ Compensation even in case of a solo accident.

❌ Disadvantages:
✖ High cost.
✖ Deductibles can be significant.

🏥 4. Driver protection: for your personal safety

Contrary to popular belief, liability insurance does not cover driver injuries. The driver protection guarantee allows you to be reimbursed for:

• 💊 Medical expenses in case of an accident.
• 🤕 Disability.
• 🏥 Prolonged hospitalization.

💡 Example: You have a fall on your quad and fracture your leg, your insurance will cover care and rehabilitation.

✅ Advantages:
✔ Coverage of medical expenses.
✔ Compensation in case of disability.

❌ Disadvantages:
✖ Additional cost on the insurance policy.

🔍 5. Glass breakage guarantee: for sensitive equipment

The quad has headlight optics, mirrors, and sometimes a bubble. These fragile elements can be damaged by an accident or impact.

💡 Example: A tree branch falls on your quad and breaks the windshield, the insurance covers replacement.

✅ Advantages:
✔ Compensation for broken optics and mirrors.
✔ Repairs without high costs.

❌ Disadvantages:
✖ Often not included in basic plans.

🛠 6. Roadside assistance 0 km: valuable help in case of breakdown

The 0 km assistance allows you to be towed at any time, even in front of your home. This guarantee is useful if you use your quad off-road or for long-distance excursions.

💡 Example: You break down in a forest, and your insurance sends a tow truck to recover your quad.

✅ Advantages:
✔ Assistance everywhere, even at home.
✔ Quick service in case of breakdown or accident.

❌ Disadvantages:
✖ Only available on comprehensive plans.

🎯 How to choose guarantees suited to your usage?

💡 Our advice: Only subscribe to the necessary guarantees for your situation to avoid unnecessary expenses!

💰 What is the cost of quad insurance?

The cost of quad insurance varies based on several key factors. Before subscribing, it is essential to understand the factors influencing the price and compare different offers to get the best coverage at the best rate.

🔍 What are the criteria affecting the price?

📌 Model and engine capacity: A 50cc quad will be cheaper to insure than a 500cc quad, because the risk of accidents and theft is lower.
📌 Driver profile: A young permit holder or driver with a penalty points will pay more, as they are considered more at risk.
📌 Coverage level: An third-party insurance is cheaper, while a full coverage offers maximum protection but at a higher cost.
📌 Quad usage: An occasional off-road quad will be less expensive to insure than a frequently used on-road quad.
📌 Parking location: A quad parked in a closed garage often benefits from a discount, unlike one left outside.

📊 Average prices by insurance plan

💡 Good to know: The more recent and expensive your quad, the more advisable it is to opt for intermediate or full coverage.

📊 Average prices based on engine capacity

💡 Tip: The higher the engine capacity, the higher the insurance cost, because the risk of accidents and theft is greater.

💸 How to pay less for your quad insurance?

🔍 Compare offers: Using an online comparison tool allows you to obtain personalized quotes and save up to 30%.
📉 Opt for per-kilometer insurance: If you ride infrequently, this option can reduce your premium.
🔐 Protect your quad: Parking in a secure garage and installing an approved lock can help obtain discounts.
🎓 Take advantage of young driver discounts: Some insurers offer reduced rates for young drivers who have completed a specific training.
🏷 Combine multiple insurances: Subscribing to a multi-vehicle policy (auto + moto + quad) can allow you to obtain a total discount.

📊 Quad insurance comparison by insurer

Here is an overview of main insurers offering quad insurance contracts with their plans and average rates:

💡 Tip: To find the cheapest quad insurance, use an online comparison tool and adjust your guarantees based on your usage and budget! 🚀

💥 An accident without insurance: what are the consequences?

Driving without quad insurance can have catastrophic financial and legal consequences, especially if you are involved in a <strong responsible accident.

🛑 Who pays in case of an accident without insurance?

If you cause an accident, you will need to personally reimburse all the property and bodily damages. Here is what it involves:

💡 Example: If you hit a stationary car with your uninsured quad, repairs can reach several thousand euros. If you injure a pedestrian, medical costs can be even higher, up to tens of thousands of euros in case of disability.

🔥 What does the Guarantee Fund for Mandatory Insurance (FGAO) do?

The FGAO intervenes to compensate victims of an accident caused by an uninsured vehicle. But beware: the author of the accident must then reimburse the full amounts paid, which can amount to hundreds of thousands of euros in case of serious injuries.

🏁 Does a non-approved quad need to be insured?

A non-approved quad is a vehicle that cannot travel on public roads. However, it remains subject to an insurance obligation, even if used exclusively on private land.

❓ Should a non-approved quad be insured?

💡 Good to know: In case of an accident on private land, civil liability insurance allows to indemnify a third party (passenger, pedestrian, other vehicle) in case of damages.

🔥 Risks of an uninsured non-approved quad accident

Even on private land, a quad can cause accidents. Here are the risks involved if you ride without appropriate insurance:

✔ Accident with a passenger: If your passenger falls and gets injured, they can demand compensation.
✔ Damages to third parties: A quad can knock over a pedestrian or damage another vehicle parked.
✔ Fire or theft: Without insurance, you won’t be compensated in case of a claim.

💡 Tip: Some insurers offer specific contracts for unapproved quads, covering risks on private land only.

🚗 What elements influence the price of quad insurance?

The rate of quad insurance depends on several factors that influence your annual premium amount.

💡 Tip: Installing an approved lock and parking your quad in a closed garage can help obtain discounts on your insurance contract.

🔍 How to choose the right quad insurance?

Here are some practical tips to find the ideal insurance:

✔ Compare multiple quotes before subscribing
✔ Adapt guarantees to your usage of the quad
✔ Check deductibles applied by the insurer
✔ Negotiate if you own multiple insured vehicles

💡 Tip: Some companies offer discounts for approved quads if the user already has a motorcycle insurance contract.

🔥 FAQ about quad insurance

❓ Does a non-approved quad have to be insured?

Yes, even if it does not travel on public roads, it must be covered by a civil liability insurance.

❓ What license is required to drive a quad?

• Light quad (50cc or less): AM License from 14 years old
• Heavy quad (more than 50cc): Category B License from 16 years old

❓ Can a quad be insured without a license?

No, most insurers require a valid license to offer a contract.

✅ Conclusion

The quad insurance is essential to protect both the driver, their vehicle, and third parties in case of an accident. Depending on your usage and budget, there are several levels of coverage.

💡 Our advice: Perform an online simulation to compare best rates and find the ideal plan for your quad! 🚀

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