Quad Bike Travel Insurance 

Do you like your holidays with a slice of adventure? It doesn't count if your vay-cay isn't adrenalin-fuelled? If you're planning to get behind the wheel of a quad bike on your trip, it's very important to ensure you're sufficiently covered before doing so.

Not all Kiwi 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 offer cover

- you’re likely to have to pay extra to cover the activity
- you’d only be covered if you booked through a legitimate operator
- you must also wear a helmet at all times
- age limits and destination exclusions can also apply. 

So where can you find quad biking travel insurance? Saddle up and find out right here...

Which insurers cover quad 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	Conditions	Buy Now
1Cover BUY	Certain underwriters at LLoyd's		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
DUinsure BUY	Certain underwriters at LLoyd's		Go To Insurer
TINZ BUY	Certain Underwriters of Lloyds		Go To Insurer
Webjet	Allianz Australia Insurance Limited	Single rider only.	Go To Insurer
Worldcare	Allianz Australia Insurance Limited
World Nomads	Certain Underwriters at Lloyds	16 years old and over You must be with a professional, qualified and licensed guide or operator.
Zoom Travel Insurance BUY	Certain Underwriters at Lloyds		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 circumstances.

Get on Track

Insurers such as Webjet will only cover single riders quad biking with an additional purchase of their adventure pack.

Columbus Direct will cover travellers only when participating with a commercial operator, qualified or licenced guide.

Worldnomads require policy holders to be over the age of 15 years in order to be covered for quad biking.

Insurers such as 1Cover, Worldcare, TINZ & 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 Kiwis 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 hits can run high, and safety standards can be low!

From a travel insurance perspective, you are very unlikely to be covered for deliberately putting yourself in positions 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. Wearing a helmet can reduce your risk of a serious brain injury and death during a fall or collision. Helmets really are that important.  Whether it’s compulsory or not, make sure you wear a helmet and protective clothing at all times.
   
• Go with a pro: Don’t just hire a quad from anyone, rent from a reputable, licensed commercial operator who will be required to complete relevant safety checks.
   
• 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 hire overseas, remember that rules differ greatly around 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're got adequate protection to cover the most important thing on your holiday - you!

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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.