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Travel insurance for quad biking

Beth Leslie
Written by  Beth Leslie
5 min read
Updated: 15 Jan 2025

Key takeaways

  • Most standard travel insurance policies will not include quad biking

  • You can get quad biking cover by upgrading your insurance or buying a specific adventurous activities policy

  • It is possible to get quad biking insurance during your trip, but it is usually cheaper and easier to organise it in advance

Do I need insurance for quad biking?

If you are renting your quad bike and riding off-road, there is probably not a legal requirement to take out any insurance, although you should check the rules for your specific destination.

But without insurance you will be personally responsible for paying any costs if something goes wrong while you are quad biking. Quad bike insurance can financially protect you if you are injured or damage the bike. Some quad bike companies may also insist you have insurance.

Does my travel insurance covers quad biking?

Most standard travel insurance policies will not include adventurous activities like quad biking. Check your policy documents to be sure; most will list which specific activities they cover.

You can often upgrade your regular travel insurance to include quad biking, or you can take out a special policy just for adventurous activities. Some quad bike companies will sell this sort of insurance directly to their customers.

Insurance for higher-risk activities often comes with rules you must follow to have a claim accepted. Common insurance rules for quad biking are that you must wear a helmet and ride alongside a licenced guide.

Can I get quad biking insurance when I’m already on holiday?

Yes, but it is usually cheaper and easier to sort your travel insurance before you leave.

Some travel insurers will let you upgrade your existing policy during your trip to add extra cover for adventurous activities like quad biking. You can also usually buy insurance specifically for quad biking while abroad. Some quad bike companies will sell this sort of insurance to their customers.

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What will quad biking insurance cover?

Quad bike insurance typically includes:

  • Medical expenses if you get injured while quad biking

  • Theft or damage to the quad bike

  • The quad biking trip being cancelled or cut short

  • Other adventurous sports like scuba diving and hiking

Rather than covering you for individual activities, travel insurers generally sell an adventurous activities upgrade or policy that includes multiple types of extreme sports.

What else will my travel insurance cover?

Standard travel insurance will usually cover the following:

  • Illness and accidents

  • Trip and activity cancellations

  • Lost luggage

  • Theft

  • Personal liability

You may need to buy specialised travel insurance or add-ons if you want to cover the following:

What other travel insurance add-ons should I consider?

Winter sports cover

Provides cover for medical treatment or high-value equipment for activities such as skiing or snowboarding.

Gadget cover

Protect you if your gadgets, such as your phone, laptop, tablet or gaming handhelds, are damaged, lost, or stolen while travelling.

Travel disruption

Gives you more protection if you cancel or cut short your trip. Standard travel insurance usually doesn’t cover you for ‘force majeures’, which are unavoidable and extraordinary events such as natural disasters, governmental or societal actions such as strikes, riots or conflict, and infrastructure failures.

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