The quad is one of the means that offers freedom of movement on rough terrain, fun, adventure, adrenaline. Its use, whether for pleasure, for work, to participate in dedicated races, must be preceded by the signing of a Rc insurance policy that guarantees maximum safety. In addition to having to obtain a license for the quad, choosing a policy is crucial and mandatory in Italy in order not to take personal risks and not to face significant and unexpected financial expenses in case, for example, of damage to the vehicle, one's own and others. This last aspect can occur, especially if competing at a sports level.

The quad insurance policy respects the characteristics and peculiarities of any insurance that concerns 4-wheel vehicles, therefore civil damages to third parties, from road accidents and similar. Being a very particular vehicle it is advisable to consider adding some additional guarantees to your ATV policy (All Terrain Vehicles). An expression that precisely defines vehicles like quads.

Before even imagining traveling on the dunes of rugged terrain, you need to understand what you need from your insurance in order to have a tailor-made one. Much depends, in fact, on how the ATV is used.

Quad insurance, the most requested optional coverages

ATV insurance, which varies according to the quad's engine capacity, can include optional elements to extend coverage to more eventualities.

What are the most requested additional guarantees by the market for comprehensive insurance?

1. theft coverage
2. fire coverage
3. coverage for driver and/or passenger injuries (if the quad is approved for multiple people)
4. deductible flexibility
5. helmet coverage, partial or total
6. collision coverage
7. vandalism

For greater peace of mind, theft and fire coverage can be crucial. The vehicle, in fact, like any other means of transport, can be tempting, especially considering that market demand is constantly increasing and unfortunately this generates a parallel black market.

Driver and Passenger Accident Coverage is very common among quad owners so that they do not have to worry about financial matters after an accident resulting in injuries. This coverage includes medical expenses, both in public and private healthcare facilities, and can also be extended to passengers. Usually, the payment is immediate and, in some cases, prior to determining liability for the accident.

The deductible flexibility is very convenient, allowing the insured to decide how much money they are willing to personally pay.

The helmet coverage covers any damage to the quad which, when driving off-road and in wild environments, can be caused by unnoticed natural obstacles, passing animals, terrain giving way… in short, there are many unexpected events. Why spoil a nice moment of leisure? The helmet coverage can be partial or total. It is at the discretion of the insured.

Collision coverage is advisable when participating in races or if you have a somewhat reckless driving style. Just a small distraction or a steeper hill than expected to face can cause damage to the quad. Collision coverage usually falls under what is defined as comprehensive insurance.

You can protect your quad from vandalism, not only intentional ones, but also impacts caused by third parties, for example in the parking lot.

In addition to these 7 integrations, others can be evaluated to further customize the policy, especially if the vehicle is used frequently.

On average, this type of insurance has an annual duration, renewable, so it can be improved from time to time based on one's needs and experiences from the previous year. Of course, at the customer's request, insurance companies can modify the policy expiration date, for example by postponing it.

“Tailored” insurance to avoid risks

Many quad owners include additional options for a comprehensive policy. After all, it's about ensuring the continuity of their fun, leisure time, personal space, and not just a means of transportation. This is certainly an added value to consider when choosing a policy.

Which factors to integrate?

1. 24-hour assistance in Italy and abroad
2. immediate compensation
3. coverage for gross negligence
4. full compensation for protective clothing
5. replacement vehicle
6. own damages
7. bonus protection
8. compensation for family members' property

• defense against unjustified claims

– 24-hour assistance in Italy and abroad during emergencies, with vehicle recovery, supply of any spare parts. Some companies provide these services in Switzerland, neighboring countries, and, upon specific option, throughout Europe.

Useful considering that often the quad is also transported while traveling on vacation, or even organized specifically to enjoy the freedom of driving the vehicle anywhere.

An accident can always happen, it's better to be cautious so as not to ruin your free time and have to deal with a foreign language abroad. The additional coverage may also include immediate compensation from the insurance company if the damage was caused by third parties whose policy is not comprehensive. Waiting times are reduced and the stress of having to handle a burdensome situation firsthand is alleviated.

– coverage for gross negligence. In the event that, for example, one drives in unsuitable conditions causing damages that would otherwise be entirely attributed to the driver. Negligence, if not insured, can be costly. In addition to personal liability, gross negligence includes running a red light, hitting a pedestrian due to distraction from driving (such as using a cellphone), violating traffic laws, etc.

– full compensation for protective clothing (helmet, suit, gloves, motorcycle boots). Protective clothing of this kind is of great importance, since the quad is a sort of middle ground between a motorcycle and off-road vehicle and when driving it, the whole body is exposed. Wearing intact protective garments can make the difference between minor and serious injuries in case of the vehicle overturning. Ensuring clothing and accessories allows you to always have the right protections in the best possible conditions.

– replacement vehicle. If repairing your personal quad involves long timescales, it's better to have a replacement vehicle available, so that mobility is always guaranteed.

– own damages. It's a possibility that occurs more often than you might think, for example if you damage your own car or the wall of your house with the quad. Sometimes a clumsy maneuver while parking in the garage or moving the quad, for example to do some maintenance, is enough. This insurance option can cover damages to any object you own.

– bonus protection. An excellent solution to not lose the bonus class even when a claim is caused by the sudden braking of a quad ahead. By limiting incidents to just one per year, the class remains unchanged.

– compensation for family assets. A policy that covers damages to objects belonging to the insured's family members, whether they are living together or not.

– defense against unfounded claims made by third parties. The insurance steps in to relieve the customer from any annoyance and burden.

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