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Anyone interested in quad bike insurance must first have at least a basic understanding of where these vehicles come from and what their characteristics are. They are also known as all-terrain vehicles (ATV) and are four wheels vehicles that go back all the way to 1893 when the first quadracycle was designed by Royal Enfield for horseless carriage purposes. Afterwards, Honda was the first modern company that manufactured quad bikes during the 1970s. In order for someone to drive such a vehicle on public roads he or she should have tax and registration, a B1 license and insurance.
Usually, quads are destined to be driven on private land or at occasions such as races or rallies. It is however possible to use one on public roads but basic features that scooters or mopeds require are a must. Examples are indicators, headlights, brake lights, a speedometer, mirrors and a plate with the registered number. Riders should be at least 17 years old and are required to always wear a protective helmet. Most models already have these items installed at the time of the purchase. If however this is not the case, any missing elements should be installed by professionals.
Not a lot of people choose to own ATVs and they are especially rare outside places like farms or mountain resorts. Consequently, finding a good deal on quad insurance for bikes has become quite a hard thing to do. Still, one must not become discouraged since with the right guidelines in mind coming across a decent premium is not impossible. Everyone wants to get the best insurance for their investment so he or she can enjoy the ride with a peaceful mind.
After a driver has chosen a company that fits his or her needs some factors should be taken into account. Selecting the right liability coverage is almost as important as choosing the right ATV brand. Insurers usually provide coverage for the driver, the ATV, injured persons or destroyed property in case of accidents. More extended plans include protection in case of fire, theft, storm or flood. Another important element to keep in mind is the fact that any add-on parts need to be reported. Discounts are available for people who own multiple bikes, senior citizens and vintage bikes.
All in all, people looking for quad bike insurance should not forget that getting a policy is not something that should be done just because the law requires it. Accidents do happen and it is best to be prepared.
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Source by James Copper