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Single Trip|Annual Multi-Trip
› Quad Bike Travel Insurance
8 July, 2019 By Hayley Kennedy
Do you like your holidays with a slice of adventure? Whether it's slicing up sand dunes, getting around on farms ortouring rice fields, quad biking can be a thrilling adventure the whole family can enjoy.But if you're planning to get behind the wheel of a quad bike on your trip, it's important to ensure that you understand whether you're coveredbefore settling in the saddle.
Not all Australian insurers cover quad biking as standard. There are many conditions to be aware of before you get behind the wheel of an ATV (All Terrain Vehicle).
If your insurer does offercover, the following terms are likely to apply:
- you may need to pay extra to cover the activity by way ofan adventure pack add-on.
- you mayonly be covered if you booked through a legitimate operator.
- you must wear a helmet at all times.
- age limits and destination exclusions can also apply.
- a higher excess sometimes applies for riskier activities, so check whether a different excessmay apply.
So where can you find quad biking travel insurance? Saddle up and find out right here...
Which travel insurers coverquad biking?
Please note: An additional premium or adventure pack may be required in order to be sufficiently covered. Click on the ticks and crosses for more information.
| Insurer | Underwriter | Cover for Quad Biking | Buy Now |
|---|---|---|---|
| 1Cover BUY | Certain underwriters at LLoyd's |  | Go To Insurer |
| AllClear BUY | Mitsui Sumitomo Insurance Company Limited |  | Go To Insurer |
| Boomers | Allianz Australia Insurance Limited | Single rider only. | |
| Budget Direct BUY | Auto & General | Single rider only. | Go To Insurer |
| Columbus Direct BUY | Certain underwriters at Lloyd's | Adults only- you must be with a professional, qualified and licensed guide or operator. | Go To Insurer |
| Downunder BUY | Certain underwriters at Lloyd's | | Go To Insurer |
| Fast Cover BUY | Hollard Insurance Company Pty Ltd | Single rider only, no jumping, racing or competition. | Go To Insurer |
| Itrek BUY | Certain underwriters at Lloyd's | | Go To Insurer |
| InsureandGo BUY | Mitsui Sumitomo Insurance Company Limited | Must be with a commercial operator available to the general public. The activity or course should also not require any special training, skills, or a certain level or fitness to take part. | Go To Insurer |
| Insure4Less | Berkshire Hathaway Specialty Insurance Company | Must be provided by a licensed commercial operator- No cover in the USA or Canada. | |
| Simply Travel Insurance BUY | Certain underwriters at Lloyd's | | Go To Insurer |
| Tick BUY | Mitsui Sumitomo Insurance Company Limited | Must be with a commercial operator available to the general public. The activity or course should also not require any special training, skills, or a certain level or fitness to take part. | Go To Insurer |
| Travel Insurance Direct | Certain underwriters at Lloyd's | | |
| Travel Insuranz | Berkshire Hathaway Specialty Insurance Company | Must be provided by a licensed commercial operator- No cover in the USA or Canada. | Go To Insurer |
| Virgin Money BUY | Allianz Australia Insurance Limited | Single rider only. | Go To Insurer |
| Worldcare BUY | Allianz Australia Insurance Limited | | Go To Insurer |
| World Nomads | XL Insurance Company SE | | |
| Webjet BUY | Allianz Australia Insurance Limited | 16 years old and over You must be with a professional, qualified and licensed guide or operator. | Go To Insurer |
Zoom BUY | Certain underwriters at Lloyd's | | Go To Insurer |
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circ*mstances.
Get on track
Insurers such as Budget Direct, Boomers Travel Insurance, Virgin Money & Webjet will only cover single riders quad biking with an additional purchase of their adventure pack.
Insure & Go and Tick Travel Insurance will cover travellers only when participating with a commercial operator available to the general public. The activity or course should also not require any special training, skills, or a certain level of fitness to take part.
Insure4Less and Travel Insuranz will cover if you are partaking with a commercial operator, however, they exclude cover for the USA or Canada.
Worldnomads require policyholders to be over the age of 15 years in order to be covered for quad biking.
Insurers such as 1Cover, Worldcare, iTrek, Simply Travel Insurance& Zoom travel insurance will not cover quad biking at all as they consider it too risky to insure.
Rise in quad biking accidents
A significant number of Australians are injured or killed in quad bike accidents every year. This has raised concerns for the those participating in the activity overseas, where holiday adrenaline hitsrun high, and safety standards can be low!
More than 211 Australians died in overseas accidents in 2016-2017*. Young inexperienced travellers are taking part in activities they typically wouldn’t do in their home country. Often with little regard to their safety and failing to appreciate just how risky their actions may be.
From a travel insurance perspective, you are very unlikely to be covered for deliberately putting yourself in harms of danger, or for acts of ‘recklessness’. This can include participating in high-risk sports and activities such as quad bike riding. It’s your responsibility to act wisely and take all required safety precautions when travelling overseas, as well as making sure you're covered by your travel insurance policy.
Quad bike safety tips:
- Wear a helmet: Your brain is important, so protect it. The most common accident occurs when the bike flips over on top of you, so, at a minimum, a helmet can reduce your risk of a serious brain injury.Whether it’s compulsory or not, make sure you wear a helmet.
- Go with a pro: Don’t just hire a quad bike from anyone. Rent from a reputable, licensed commercial operator who will be required to complete relevant safety checks and provide appropriate training.
- Be sensible: You may consider yourself a whizz on wheels, but the injury statistics say it all. Consider the repercussions of your actions when engaging in risky behaviour abroad.
- Know the rules: Whether you’re hiring a quad or a car overseas, remember that rules differgreatlyaround the globe. Be vigilant when riding in an unknown area to avoid dangers like other risky-riders and dangerous terrain.
- Have the right license: You wouldn’t drive without a license back home, so why risk it on holidays? To ride legally overseas you may need a license valid for the same class of vehicle you're intending to hire, accompanied with an international driver's permit.
- Get travel insurance: Don’t assume that your policy covers you for riding a quad bike, moped or motorbike automatically. Do your research and buy a policy that adequately covers your planned adventure activities. Compare travel insurance for your action-packed adventure today.
Quad biking is not for the faint-hearted, before you saddle up, make sure you've got adequate protection to cover the most important thing on your holiday - you!
Hayley Kennedy
Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.
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