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quad verzekeren & compare premiums

Verzeker uw quad of ATV — met kenteken op de openbare weg is WA wettelijk verplicht; met limited or full hull dekt u ook diefstal en schade. Voor terrein- of recreatief gebruik zijn diefstal- en ongevallendekking verstandig. Wij vergelijken meer dan 30 Nederlandse verzekeraars. Onafhankelijk advies van Finass Insures — AFM registered en Kifid-aangesloten.

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In 1 minute explained

Watch this short video to see what to look out for and which choices suit your situation.

Prefer to brainstorm directly? Contact us — wij kijken persoonlijk met u mee.

Insuring a quad with Finass Verzekert

What is quad insurance?

A Quad (also known as an ATV) can take to public roads with a license plate. In that case, a Third-party liability insurance legally required en heeft u meestal rijbewijs B nodig (voor sommige lichte quads geldt AM, voor bepaalde typen een motorrijbewijs). Zonder License plate — voor terrein- of recreatief gebruik — geldt geen WA-plicht, maar dekking tegen diefstal en ongevallen is wel verstandig.

Because ATVs are a popular target for theft and represent significant value, many owners opt for limited or full hull. Bee Finass Insures we compare more than 30 insurers and look for the coverage that suits your quad and usage.

What should you look for in quad insurance?

Pay attention to the license plate and the correct driver's license, the usage (public road or off-road), coverage against theft, the inclusion of accessories and equipment, and whether liability during use is covered. We provide independent advice and handle everything completely.

More about the motorcycle insurance

A motorcycle, scooter, or moped is subject to statutory insurance. However, with only third-party liability insurance, you are not covered for theft or damage to your own vehicle. motorcycle insurance You can tailor coverage from third-party liability to comprehensive to the value of your vehicle.

What does motorcycle insurance cover?+
  • ✓Third-party liability (mandatory): damage you cause to others
  • ✓Limited hull coverage: theft, fire, storm, and glass damage
  • ✓All-risk: also includes damage to your own vehicle caused by your own fault
  • ✓Accessories and extension (optional)
  • ✓Additional: passenger accident insurance and roadside assistance
  • ✓claim-free years and no-claim discount

We (Finass Verzekert) independently compare motorcycle insurance from more than 30 insurers — so you get the best coverage at the most competitive premium.

Why is motorcycle insurance important?+
  • ✓Third-party liability is legally mandatory for every motor vehicle.
  • ✓Theft and damage to your own vehicle are only covered by comprehensive insurance.
  • ✓Comprehensive insurance pays off for a new or valuable motorcycle.
  • ✓You build up claim-free years
Who is motorcycle insurance suitable for?+
  • ✓Motorcycle, scooter, and moped riders
  • ✓Owners of a new or expensive two-wheeler
  • ✓Whoever parks the vehicle in a theft-prone area
  • ✓Seasonal drivers (with a suspension or storage discount)
Tips for closing+
  • ✓Choose the coverage based on the value and age of your vehicle.
  • ✓Insure expensive accessories and attachments separately
  • ✓Pay attention to the storage requirements against theft.
  • ✓Consider passenger accident insurance and roadside assistance
How do you find the best motorcycle insurance?+

The premium depends on the type of vehicle, your age, place of residence, and claim-free years. Finass Verzekert independently compares more than 30 insurers for the right coverage at the most competitive premium.

Which coverage suits your quad?

For a quad, you can choose from Third-Party Liability (WA), Third-Party + Limited Cover, and Full Cover. Third-Party Liability is mandatory when driven on public roads; due to the value and the risk of theft, limited or full coverage is often advisable.

BASIC

Third-party liability insurance

Legally required minimum

The legally required basic coverage for a quad with a license plate. Third-party liability covers damage to others, but not to your own quad or theft.

What is covered:
  • Damage to other vehicles
  • Injury to persons or third parties
  • Damage to buildings and objects
  • Schade door inzittenden
Bereken WA-Premium →
MOST CHOSEN
EXTENSIVE

Third-Party Liability + Limited Cover

Populair: diefstal & schade gedekt

In addition to third-party liability coverage, also protection against damage to your own car caused by external factors that you cannot prevent.

Extra coverage:
  • Fire and storm damage
  • Theft and burglary
  • Window breakage and glass damage
  • Collision with animals
  • Hail damage
Bereken WA+ Premium →
COMPLETE

All-risk insurance

For a new or expensive quad

The most comprehensive coverage, including for your own fault and damage to your own quad. Recommended for a new or valuable quad.

Everything from WA+ plus:
  • Damage caused by one's own fault
  • Vandalism
  • Unknown cause
  • Total loss payout
  • Collision damage
Bereken All-risk-premie →
Comparison of covers for your quad
CoverageWAThird-Party Liability + Limited CoverAll-risk
Damage to others (liability)
Fire, storm and nature
Theft and burglary
Window breakage and glass damage
Collision with animals
Damage to own car due to own fault
Vandalism and unknown perpetrator
Recommended forOlder quadRegular useNew quad

Additional coverages for your quad

Complete your quad insurance with these modules and extensions.

Diefstal & beperkt casco

Coverage bij diefstal, brand en schade — ook in de stalling of aanhanger. Quads zijn een gewild doelwit.

Accident coverage

Fixed benefit in the event of permanent injury or death of the driver and passenger following an accident with your quad.

Pechhulp & berging

24/7 roadside assistance, with recovery and transport of your quad where possible.

Accessoires & uitrusting

Insuring winch, cases, attachments, and protective clothing against damage and theft.

PREMIUM CALCULATION

What does your quad insurance premium depend on?

The premium for a Quad It depends on the type and value, the use (public road or off-road), whether there is a license plate, your driver's license and age, your place of residence (risk of theft), and the chosen coverage. Insurers assess quads differently.

By comparing via Finass Verzekert, you immediately see which insurer insures your quad at the lowest cost.

1
Type & waarde van de Quad
License plate and usage (road or off-road)
2
Number of claim-free years
The more years, the lower your premium (up to 80% discount)
3
Annual mileage
Driving license, age and claim-free years
4
Age of chief executive officer
Risk category based on your age
5
Postal code area
Regional theft and collision statistics

Insure your quad or switch: this is how it works

The best way to insure your quad is with the right coverage that suits your usage. We compare more than 30 insurers. Do you already have a policy? After the initial contract period, you can switch monthly; Finass Verzekert takes care of it, ensuring you are not left uninsured.

The 4 steps to switching

  1. Calculate your premium via our tool with your license plate
  2. Compare the providers and choose the best coverage for your quad
  3. We handle the cancellation with your old insurer
  4. Your new policy takes effect immediately after the notice period

When can you cancel?

When choosing a quad, pay attention to coverage against theft (including in the trailer), adequate security, and whether liability during use is covered. We find the insurer that offers the most favorable coverage for your quad and handle the entire switch.

Insure your quad or switch with Finass Verzekert

Frequently asked questions about your quad

All the answers to the most frequently asked questions about insuring your quad, listed together.

Is quad insurance mandatory?

If you drive on public roads with a license plate, third-party liability insurance is legally mandatory. For off-road or recreational use without a license plate, there is no obligation to take out third-party liability, but theft and accident coverage is advisable. We advise you.

What driver's license do I need for a quad?

For most quads requiring registration, you need a Category B driving license; for some light quads, an AM license applies, and for certain types, a motorcycle license. We advise you on your specific quad.

Am I allowed to take my quad on public roads?

Only with a valid license plate and type approval. Without a license plate, you may only drive on your own property or designated property. We explain the rules.

Which coverage should I choose for my quad?

On public roads, third-party liability is the minimum. Due to the value and the risk of theft, limited or comprehensive coverage is often advisable. Calculate your premium using the tool to compare the options.

Is theft of my quad covered by insurance?

Only with limited or full hull coverage, often also in storage or on a trailer. Good security is usually a requirement and lowers the premium. We ensure the coverage is correct.

Am I insured off-road or on a track?

Ground usage is subject to its own conditions; competition and track use is often excluded from standard policies. We will tell you in advance what to look out for and which coverage suits you.

Are accessories such as a winch or cases covered by the insurance?

With additional coverage, you also insure the winch, cases, attachments, and protective clothing against damage and theft. We help take care of it.

Can I insure my quad without no-claims bonus?

Yes. Without claim-free years, you start at a lower tier and pay more, but insurance is always possible. We look for the insurer with the most favorable starting tier.

Personal advice on your quad at Finass Verzekert
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Why insure your quad via Finass Insures?

As an independent advisor, we compare more than 30 Dutch insurers and know the key considerations for a quad. Not a comparison site, but a real advisor.

  • 30+ insurersBroad comparison for the best premium
  • Within 2 minutesPremium calculated based on license plate
  • Knowledge of quads and ATVsWeg, terrein & diefstal
  • Personal adviceAvailable 6 days a week

What our customers say about their Quad

Customers rate Finass Verzekert on average with a 9.5 and the handling of car damage with a 9.8.

9.5
Customer review
9.8
Claims handling

“Mijn quad rijdt met License plate op de weg én in het terrein. Finass regelde precies de juiste dekking.”

R
Reinder V.
All-risk — quad, weg

“Fijn dat mijn Quad ook in de aanhanger tegen diefstal verzekerd is. Helder advies.”

S
Sytse K.
WA + Casco — Quad, diefstal

“Goed explained welk rijbewijs ik nodig had en wat wel/niet gedekt is op het terrein.”

T
Tjibbe B.
WA — Quad

“Als quadrijder wilde ik alles goed geregeld hebben. Snel en persoonlijk geholpen.”

W
Wiebren D.
All-risk — quad

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Category: Traffic  ·  Motorcycle  ·  Scooter  ·  Auto

Already insured and damaged?

Report your damage immediately, or consult your insurer's policy conditions and forms. In the event of damage, calling us is the fastest way. 072 - 509 24 56.

Ready to your Quad to insure?

Calculate your premium and discover with which insurer your quad is well and affordably insured. Personal and independent advice from Finass Verzekert.

Damage on the road? Emergency line 24/7: 06 - 55 20 40 72