Safe on the terrain
Discover nextsure's tailored ATV insurance. Optimal protection for your All-Terrain Vehicle – digital and straightforward. Get informed now and calculate your contribution!
Comprehensive Protection
Customised Rates
Digital Completion
Why ATV insurance is essential: Risks and benefits
Liability protection for damages
Protection against Theft
Protection against Vandalism
Accident Coverage
How to find the right ATV insurance: What you need to consider
Choosing the right ATV insurance is crucial for your comprehensive protection and financial security. At nextsure, we understand that every ATV and driver has individual needs. First, you should closely examine the scope of coverage: Is liability insurance alone sufficient, or do you need additional protection through partial or fully comprehensive insurance? Liability insurance is legally required and covers damages you cause to third parties. A partial coverage policy for your ATV or quad extends this protection to risks such as theft, fire, explosion, storm, hail, and animal collisions. For even more comprehensive protection, especially for newer or high-value vehicles, fully comprehensive insurance is recommended. This also includes damage to your own vehicle caused by self-inflicted accidents or vandalism. When comparing ATV insurance, pay attention to the amount of the excess – a higher excess can lower the premium but means higher personal costs in the event of a claim. Also consider whether additional components such as roadside assistance or driver's insurance are sensible for your usage habits. The cost of quad insurance depends on various factors, including vehicle type, performance, your no-claims bonus, and the level of coverage chosen. nextsure offers you a transparent overview and helps you find the optimal ATV insurance solution – fully digital and tailored to your needs.
Tailored Protection
Our ATV insurance services
Top Liability
Comprehensive coverage for personal injury, property, and financial damage that you cause to others with your ATV.
Comprehensive cover
Optional third-party, fire and theft insurance (theft, fire, storm) or fully comprehensive insurance (including vandalism, accidental damage).
Protection Plan Plus
Fast assistance in the event of breakdowns or accidents, available across Europe and around the clock for your ATV.
Accessory Protection
Co-insurance for fixed installed accessories and attachments up to a defined sum.
Driver protection
Driver protection for self-inflicted accidents causing personal injury while driving the ATV.
International Protection
Extended insurance coverage for trips with your ATV within Europe and partly beyond.
Digital Service
Simple online management of your policy, quick claims reporting, and digital consultation by experts.
Rate calculator
Calculate your individual contribution for ATV insurance online and transparently in just a few minutes.
Expert Advice
Our specialists provide you with professional support on all matters concerning your ATV insurance.
Flexible and digital at your side.
Ready for
Worry-free ATV driving?
Liability insurance, partial cover, comprehensive cover: Which protection suits your ATV?
Choosing the right insurance coverage for your ATV or quad – liability, partial coverage, or comprehensive coverage – is fundamental for your safety and peace of mind. Each type of coverage offers different levels of protection tailored to specific needs. The ATV liability insurance is the legally required basic protection. It steps in if you cause damage to other people, their property, or assets with your vehicle. Without this protection, you would be personally liable for such damage without limit. The partial coverage for your quad offers extended protection. It also covers damage to your own vehicle caused by external factors such as theft, fire, explosion, storm, hail, lightning, flooding, or collisions with wild animals. For many ATV owners, partial coverage is an important component to protect against common risks. Comprehensive ATV insurance provides the most extensive protection. It includes all the benefits of partial coverage and also covers damage to your own vehicle caused by self-inflicted accidents or by intentional and malicious acts of third parties (vandalism). Especially for new, high-value, or financed ATVs, comprehensive insurance is often the best choice to optimally protect the vehicle's value. At nextsure, we analyze your individual needs and provide transparent advice on which coverage is most sensible for your ATV and usage habits.
Cost factors of ATV insurance: How your premium is calculated
The costs of an ATV insurance, often referred to as quad insurance price, consist of various factors and can therefore vary significantly for each individual. An in-depth understanding of these cost factors helps you better assess your premium and identify optimisation potential. A key factor is the type of vehicle and its performance (engine capacity, horsepower). More powerful ATVs are often classified in higher risk categories, which can lead to higher premiums. The type of use also plays a role: Is the ATV mainly used privately or also commercially? The group of drivers is also relevant; young or inexperienced drivers can increase the premium. An important lever to influence the cost of your ATV insurance is the choice of excess in the comprehensive insurance. A higher excess reduces the premium but increases your contribution in the event of a claim. The regional class, based on the claim record in your registration district, can also affect the costs. A crucial factor is your personal no-claims discount (NCD) for the quad. The longer you drive without an accident, the higher your no-claims discount and the cheaper the insurance becomes. Some insurers also take into account where the vehicle is parked at night (e.g. garage vs. street). nextsure values transparency and helps you understand all the factors to determine a fair and suitable premium for your ATV insurance.
ATV off-road and on the road: insurance coverage in detail
Insurance coverage for your ATV must adequately cover both off-road use and public road use. The specific conditions can vary, so it's crucial to take a close look at the contract details. As a rule, using an ATV or quad on public roads legally requires a motor vehicle liability insurance, similar to other vehicles. This covers damages you may cause to third parties. The scope of ATV insurance generally extends to driving on public roads. The situation is more nuanced for off-road driving or tasks. Liability insurance often applies on private land as well, as long as it is not explicitly closed to public traffic and there are no specific exclusions (e.g., participation in races). However, for comprehensive cover (partial or full), there may be restrictions for off-road use. Damage occurring from extreme off-road use or from participation in motorsport events is often not covered or only covered to a limited extent. It is advisable to check special clauses in the contract or inquire with nextsure to ensure that your off-road insurance coverage meets your requirements. We help you find the right protection for all your adventures, whether on asphalt or off the beaten track.
Case of damage with the ATV: Quick assistance and correct processing
An incident with the ATV is frustrating, but with the right preparation and knowledge of the correct procedures, you can significantly simplify and expedite the process. In the event of an ATV accident, the rule is: stay calm! First, secure the accident site to prevent further hazards. Provide first aid if necessary, and immediately contact the police (emergency number 110) in cases of personal injury, significant property damage, or if the fault is unclear. Document the accident site and resulting damages as thoroughly as possible: take photos from different angles, note down license plates, names, and addresses of those involved and witnesses. Exchange insurance information with the other parties involved. Report the damage to your ATV insurance without delay. With nextsure, you can conveniently report the Quad insurance claim online or by phone. Have your insurance policy number and the collected information ready. Our experts will then initiate the ATV insurance claims process and inform you of the next steps, such as commissioning an assessor. A quick and complete report, along with good documentation, is crucial for prompt settlement. nextsure is at your side in the event of a claim, providing swift assistance with your ATV accident.
Niche products
Specialised & Tailored
Digital Processes
Quick & Easy
Professional Consultation
Competent & Personal
Additional Modules for Your ATV Insurance: Valuable Additions
In addition to the mandatory liability and optional comprehensive coverage, your ATV insurance can include useful additional elements to extend your protection and tailor it to your specific needs. These ATV insurance add-ons provide extra security and comfort. A commonly chosen addition is the breakdown cover for your quad. It offers rapid assistance in case of breakdowns, accidents, or theft, often Europe-wide, and includes services like on-site breakdown assistance, towing, recovery, replacement vehicle, or accommodation costs. This is particularly valuable for touring riders. Another important component is the driver's protection insurance. It financially safeguards the ATV driver in the event of self-inflicted accidents, covering potential loss of earnings or conversion costs if the driver is injured. Foreign damage protection can be beneficial if you frequently travel abroad with your ATV. It ensures that damages are settled according to German standards, even if the person at fault resides abroad. A special accessory insurance for your ATV can cover expensive attachments or special equipment that exceed the standard scope of comprehensive coverage. nextsure provides comprehensive advice on the different options and helps you assemble an insurance package that fits you and your driving habits perfectly.
Theft Protection for ATVs: Prevention and Insurance Benefits
The theft of an ATV is not only annoying but also associated with financial losses. Adequate theft protection, both through prevention and suitable insurance services, is therefore essential. ATV theft insurance is usually part of the comprehensive coverage. If your quad is stolen, the insurance will replace the vehicle's current market value at the time of theft, minus any agreed deductible. To be covered in case of an incident, it is important to report the theft to the police and your insurance company immediately. Even better is to actively prevent a theft. Effective theft protection for your quad combines mechanical and electronic devices. These include high-quality steering wheel locks, disc locks, GPS trackers for tracking, or alarm systems. Park your ATV in well-lit and secure places, ideally in a locked garage. Remember to secure accessories such as luggage cases or navigation devices against theft. nextsure not only supports you with comprehensive insurance services in the event of theft but also provides advice on effective measures for preventing ATV theft, so you can enjoy your vehicle for a long time.
Seasonal license plates for ATVs: How to save on fees
A seasonal registration plate for your ATV or quad offers a smart way to save on insurance costs if you don't use your vehicle year-round. Many ATV riders primarily use their vehicles during the warmer months. With an ATV seasonal registration plate, your vehicle is only registered for a period you specify in the year, for example, from March to October. During this operational period, you pay the regular vehicle tax and insurance contributions. The big advantage: outside of this season, there are no ongoing costs for tax and full insurance premiums, which can result in significant savings on quad insurance during the season. During the rest period, meaning outside the registered period, there is usually a contribution-free rest insurance. This provides reduced protection, often for risks like theft or fire, when the ATV is parked on private property or in a garage. The vehicle must not be moved on or parked in public traffic during the rest period. nextsure informs you in detail about the conditions and benefits of the quad rest insurance and helps you decide whether a seasonal registration plate is the right option to save costs on your ATV insurance without foregoing necessary protection.
Do I need a special insurance for my ATV or quad?
The nextsure ATV insurance offers you far more than just standard insurance coverage. We understand the specific requirements and the passion associated with riding an All-Terrain Vehicle. Our aim is to provide you, through our digital insurance platform, with the best protection for your ATV or quad – straightforward, transparent, and tailored. One of the core advantages of our online quad insurance is the comprehensive coverage, which includes both statutory liability and flexible comprehensive options (partially or fully comprehensive), supplemented by useful additional features such as rescue cover or driver protection. We emphasize individual tariffs that take into account your personal situation and usage habits. The entire process, from premium calculation through to conclusion and claim reporting, is fully digitalized with nextsure, making it quick and conveniently accessible from anywhere. In the event of a claim, we guarantee a swift and uncomplicated settlement. As a specialist in niche insurance, we understand the specifics of ATVs and can therefore offer you tailored solutions. Our team of experts is also available for professional advice. Choose nextsure ATV insurance and benefit from a modern, customer-oriented insurance partner that provides you with security and freedom for your adventures on four wheels. Calculate your premium now!
