Insurance Rates

Things to consider when looking at ATV insurance rates

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Before taking your all-terrain vehicle (ATV) on the road, you’ll need to register it with the DVLA, have a valid MOT certificate, and make sure it’s insured, which means checking out ATV insurance rates to get the best deal for you.

When is insurance needed?

Insurance is needed if you drive your ATV on the road or in any public place because it’s then considered a motor vehicle. You don’t need insurance if you’re using your ATV off road. Saying that, having insurance is still advisable, especially as ATV theft is increasing as they are easy to steal and sell on; replacing yours could be expensive without insurance, as could the cost of repairs if it gets damaged.

What level of insurance is needed?

As a minimum, you need third party insurance when using your atv on the road. It’s important to remember, however, that most third-party insurance only covers claims from people who you injure or whose property you damage when using your atv. You might want to think, therefore, about taking out a higher level of insurance.

Third party, fire and theft insurance generally covers injury and property damage claims from others as well as replacing your vehicle if it’s stolen, damage from attempted theft, and fire damage to your ATV. Comprehensive insurance, meanwhile, typically covers all these plus damage to your ATV, a replacement vehicle if it is damaged and can’t be repaired, and any injuries you might suffer if you have an accident.

Looking at ATV insurance rates

Finding the right insurance for your ATV might take time as not all insurers will cover ATVs, which are seen as specialist vehicles. This is especially true when they are being used on the road. For those insurers that do, they may offer are a wide range of ATV insurance rates depending on whether you choose third party, third party, fire and theft or comprehensive cover, so you need to make sure you pick the one that fits your budget but also your needs.

Start by thinking about what you use your ATV for – be it racing, fun or work – and what you want to be covered for. Will it be driven by people other than yourself? And will you need breakdown cover if it stops working while you are out and about? Also, look at how much it might cost to repair or replace. If your ATV is an older model that would be cheaper to replace, it might be better to take out third party, fire and theft. If you have a newer, more expensive model, comprehensive might be a better option.

You also want to think about how you might be able to lower your risk and so your premiums. Is your ATV locked in a garage, for example, reducing the risk of theft? Knowing the type and level of cover you need will help you compare quotes on a like-for-like basis and find the best one for you.

Finally, when comparing quotes, make sure to look at the fine print, comparing not just the price but the policies as well to make sure you get the right balance of cost and cover.

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