Quad Bike Insurance: Stay Safe in Every Situation

What does quad bike insurance include?

A quad insurance policy from Assure Ton Sport gives riders access to one of the most complete cover options available in the UK. It typically includes medical expense cover, injury compensation, emergency recovery, and third-party liability. This means that if your quad bike or ATV is involved in a collision, rollover, or damage on a rural trail, you’ll receive immediate assistance and financial support.

Our quad insurance plans are designed for real riders — those who use their vehicles for farm work, off-road leisure, or sports events. You can also add extra benefits such as theft insurance, breakdown services, and replacement vehicle hire. These features make sure your machine and passengers are covered across different terrains, ensuring peace of mind whether you’re exploring countryside routes or participating in an organised rally.

Is quad insurance required for agricultural or business use?

Yes. In the UK, quad insurance is essential for those who use their all-terrain vehicles (ATVs) on farms, estates, or in rural businesses. Even when not on public tracks, unexpected events — such as collisions, overturning, or injuries to staff — can occur. Without a suitable ATV policy, the costs for medical care, compensation, or vehicle repair could be significant.

Our quad insurance for agricultural use provides flexible cover that fits your professional needs. Whether your quad is used for herding livestock, transporting tools, or operating across private property, you’ll benefit from financial security and legal compliance. It’s the simplest way to safeguard your equipment, your employees, and your livelihood.

Is quad insurance mandatory in the UK?

If your quad bike is used on public routes or open terrain, UK law requires you to have valid insurance, registration, and vehicle tax. This ensures that you’re legally allowed to ride and protected if a third party is involved in an incident. For quads used strictly on private land, insurance is not compulsory — but it remains highly advisable since standard car or home policies rarely cover off-road vehicles or rider injuries.

At Assure Ton Sport, we make it easy to stay compliant while saving money. You can compare policies designed specifically for quad and ATV riders, ensuring full legal recognition under UK regulations. Having proper insurance not only prevents fines or penalties, but also guarantees that medical and repair costs are fully handled in case of a mishap.

How is the cost of quad insurance determined?

The price of quad bike insurance depends on multiple elements — including your riding experience, the vehicle model, age of the quad, and any performance modifications. A high-powered ATV with custom parts or frequent off-trail use may cost more to insure than a standard model. However, Assure Ton Sport helps riders find affordable options by comparing several leading UK insurance providers.

You can reduce your premium by installing anti-theft systems, keeping your vehicle in a secured location, and maintaining a good driving record. Riders who are part of recognised clubs or who bundle multiple policies (such as motorbike or motorsport insurance) can also benefit from additional discounts.

Does quad insurance cover damage to my ATV or other vehicles?

Yes — our quad insurance plans offer cover for physical damage to your own vehicle as well as to others involved in a collision. This includes impacts, rollovers, or mechanical failure that occur during regular use or during special events such as rallies or endurance challenges.

Optional extras like theft and vandalism insurance can also be added for enhanced peace of mind. With Assure Ton Sport, your quad or ATV is fully supported, ensuring you’re never left with unexpected repair bills or stranded after a mechanical issue.

Am I covered for competitions, races, or events?

Definitely. If you take part in official quad races, endurance rides, or off-road challenges, our Competition Cover is the ideal option. It provides extended cover for medical costs, injury compensation, and vehicle retrieval during sporting events. Whether you’re competing in a national championship or a local rally, you’ll benefit from cover designed to meet motorsport regulations and provide instant support after an incident.

Assure Ton Sport works with both amateur and professional riders, ensuring the same level of commitment, reliability, and claim responsiveness. From cross-country rides to track competitions, your insurance follows you wherever your passion takes you.

Does quad cover include emergency assistance and transport?

Yes, all of our quad and ATV policies include recovery and transport services. If you suffer an injury or your vehicle becomes inoperable, our support team coordinates emergency assistance, ensuring you’re moved safely to the nearest medical facility or repair centre. For riders abroad, medical repatriation is also included, meaning you’ll never be left without help in Europe or beyond.

This service is available 24/7 and covers everything from vehicle recovery to passenger transport and follow-up assistance. With Assure Ton Sport, help is always just a call away.

Can I insure my quad for both off-trail and public use?

Absolutely. Many UK riders use their quad bikes for mixed purposes — both trail riding and everyday utility. That’s why we offer dual-use policies, providing consistent cover whether you’re on authorised paths, private farmland, or recreational routes.

This approach ensures a single, convenient plan that simplifies your paperwork and maintains continuous cover wherever you ride. It’s the perfect solution for enthusiasts who switch between rural activities, farm work, and leisure rides.

How can I reduce my quad insurance premium?

Several practical actions can help you save money. Secure your ATV or quad in a locked garage, add an immobiliser, and install GPS tracking for added theft prevention. Completing an advanced rider training course or joining an accredited quad association can also lead to lower rates.

At Assure Ton Sport, we reward responsible riders. Our team reviews each customer’s profile to ensure they receive competitive rates and tailored coverage that matches their actual usage and experience level.

Why choose Assure Ton Sport as your insurance provider?

Assure Ton Sport is Europe’s leading name in specialist sports and motorsport insurance, offering years of expertise and customer trust. We provide tailored policies for quad bikes, ATVs, and other all-terrain machines, combining affordability, expert advice, and dedicated customer care.

With our 100% digital quote system, you can receive multiple offers in minutes, customise your cover, and enjoy immediate confirmation — all while being supported by an experienced team of advisors. From UK countryside adventures to international quad events, we’re the partner that keeps riders safe, insured, and ready for anything.