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Quad insurance policy terms and conditions.

No one goes through quad insurance policy terms and conditions of their own free will. They are often boring and difficult to read. Yet they are important, but we understand that you won't go through them for fun. We would like to explain some important parts of the policy terms and conditions.

What is the excess in the quad insurance?

The excess is a part of the damage that you have to pay for yourself. Not all insurance companies use an excess. If they do, it is often an amount up to €150. In case of a damage of €1.000 you will receive €850 based on a deductible of €150. Insurers apply an excess to discourage policyholders from claiming damages.

A higher excess for young drivers

Young drivers often pay a higher premium until they are 24 years old. Insurers do this because, compared to older drivers, they are more likely to sustain damage. For some insurers, this does not go far enough. They also impose an additional deductible in the policy conditions in case damage is incurred by young drivers. Not all insurers do this.

Excess for windscreen damage

A different excess applies to damage to windshields. If replacement of the glass is not necessary, there is often no excess. The insurer may refer you to a specific glass repairer in your area. When replacing the windscreen, an excess often applies. The amount of the excess depends on where you go for the window replacement. Insurance companies may refer you to repairers with whom they have contracts.

Cancellation of quad insurance

The quad insurance has a standard term of one year. After the first year of insurance, the insurance policy is renewed for another year. After the first year of insurance, the insurance can be cancelled daily. Some insurers use a notice period of one month. This is allowed. When cancelling the quad insurance on 5 April, the insurer may terminate the insurance on 5 May. When selling the quad, the insurance can be cancelled immediately. This is logical, as there is nothing more to be insured. The insurance may also be cancelled in the first year when the quad is sold.

Damage control by the insurer

For damage repairs, insurers use damage control. That means you prefer to have the quad repaired at a repair shop designated by the insurer. They engage in damage control by, for example, reducing the deductible if you go to the affiliated bodyshop. This phenomenon also occurs in glass repair.

Driving with alcohol at the wheel

Insurers are strict in the case of damage where the driver was under the influence of alcohol. The insurer has the right to recover the amount of the damage from the person who caused it. In a liability case, the damage to the other party is compensated. The insurer can then send the drunk driver an invoice for the damage. This type of damage recovery can involve large sums of money.

Other exclusions

In the policy conditions, more situations are mentioned in which there is no cover. These include, for example, taking part in speed races or renting out the quad. The quad insurance also provides no cover for driving a quad without a valid driving licence.

Guarantee

In the event of a collision abroad, you may face bail. In extreme cases, the quad can be confiscated. You may even end up in jail yourself. You get the quad back on payment of a deposit. This is taken care of by the insurance company. Even if bail is needed to get you out of jail again.

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