When you go to the expense of purchasing a quad bike, you will want to ensure that you have insurance for your vehicle. Insurance prices can vary drastically, and there are many providers you can use when looking to insure your quad bike. If you are new to owning a quad bike and want to ensure you have sufficient insurance to protect your purchase, below are some Money Saving Tips For Your Quad Bike Insurance.
What Type Of Quad Bike Do You Have?
There are two different types of quad bikes, off-road quad bikes and road legal quad bikes, and depending on which one you have, you will need to get the appropriate insurance. You will usually find that insurance for a road-legal quad will be higher than the one for an off-road quad. You need to keep this in mind when buying your vehicle. Road legal quad bikes often cost a bit higher and have features similar to what you find on cars and other vehicles. Having these features allows you to ride them safely on the roads. A reputable dealer of road legal sports quads UK has will offer both types of quad bikes, so it is something to think about before making your purchase.
Your Driving License
If you have a road legal quad bike, you can find that any points you have on your license will affect your insurance cost. If you have a clean driving license with no claims bonus on other insurance policies, this can help you get a cheaper quote. You need to ensure you have the correct driving license if driving a quad bike on the roads.
Where You Will Store Your Vehicle
Whether you have a road-legal quad bike or an off-road one, if you store your vehicle securely when not in use, this can bring down your insurance premiums. Ideally, you will store your quad bike in a locked garage, and if you have a chain and padlock suitable for a motorbike, you can also use this to keep it safe. Ensure you tell your insurance company, which can help save you some money on your policy.
The Level Of Insurance Coverage You Choose
The type of insurance policy you want will also affect the overall cost of your policy. Just like with cars and other vehicles, you can choose a fully comprehensive insurance policy or go for a cheaper one, which may cover you for third party, fire and theft only. Think carefully about the insurance level you choose, and select a policy you can afford that gives as much protection as possible.
Shop Around For Insurance
You will want to shop around for your insurance, which is always an excellent idea, and you can find that there are significant savings to be had by not accepting the first quote you get and shopping around. Use the internet to find companies offering quad bike insurance and compare the policies and prices they offer. Play companies against each other to drive the price down. If you already have an insurance policy for a vehicle, it is worthwhile speaking to your current provider first.