Optimal protection for your quad
Secure your quad or ATV with nextsure's customised quad insurance. Comprehensive protection, digital sign-up, and a fair price – discover your benefits now.
Individual Rate
Instant eVB Service
Comprehensive Coverage
Why Quad Insurance is Indispensable: Your Shield on Four Wheels
Legal Obligation (Liability)
Financial protection in case of damage
Protection against Theft & Natural Disasters
Carefree Driving Pleasure
Third-party, partial comprehensive, fully comprehensive: The right insurance coverage for your quad with nextsure
Choosing the right insurance cover for your quad or ATV is crucial for your safety and financial security. At nextsure, we offer transparent and tailored options. The **quad liability insurance** is a legal requirement and covers damages you cause to third parties with your vehicle – whether they are personal, property, or financial. Without this basic cover, you are not allowed to use your quad on public roads. The **partial cover insurance** for quads extends this basic protection and covers damage to your own quad caused by external factors such as theft, fire, explosion, storm, hail, lightning strikes, flooding, or collisions with game. Glass breakage is also usually covered. For comprehensive protection, especially for newer or high-value quads, the **comprehensive insurance** for quads is recommended. This includes all the benefits of partial cover and additionally covers damage to your own vehicle caused by self-inflicted accidents or vandalism. Assess your individual needs: How often and where do you use your quad? What is the vehicle's value? Based on this, you will find the optimal tariff at nextsure, combining security and a fair price-performance ratio. Our digital tariff calculator helps you compare the options and take out the right cover directly online.
Your quad bike. Your protection.
An overview of our quad insurance services
Liability Insurance
Mandatory basic coverage for personal injury, property damage, and financial losses.
Partial cover
Protection against theft, fire, storm, hail, and wildlife accidents.
Comprehensive insurance
Comprehensive protection including self-inflicted accident damage and vandalism.
Coverage Letter
Quick assistance for breakdowns and accidents across Europe.
Season Protection
Flexible insurance for your quad bike with a seasonal licence plate.
Online Tariff
Easily calculate, compare, and complete online.
eVB Now
Your electronic insurance confirmation immediately for registration.
Claims Service
Competent and prompt support in the event of a claim.
Excellent advice
Our experts are happy to advise you on your optimal protection.
Tailored and digital – for your driving pleasure.
Ready for worry-free driving fun?
Calculate quad insurance now!
Cost of Quad Insurance: These Factors Determine Your Premium
The premium for your quad insurance with nextsure is composed of various factors that reflect your individual risk. A significant aspect is the **vehicle type**: power (kW/HP), engine capacity, and the new value of the quad or ATV influence the classification. More powerful and expensive models tend to have higher premiums. Your **age and driving experience** also play a role; young drivers or beginners often pay higher premiums. Your **regional class**, which depends on your place of residence and the local claims statistics, is another factor. In areas with a high density of accidents or thefts, the premium may increase. The chosen **type of coverage** (liability, partial coverage, comprehensive coverage) has the greatest influence: a comprehensive insurance is naturally more expensive than a simple liability. Your **no-claims class (SF class)**, which you earn through accident-free driving, leads to significant discounts. An agreed **deductible** in the comprehensive coverage also reduces the premium – the higher the deductible, the lower the premium. Additionally, the **annual mileage** and whether you use the quad seasonally (seasonal registration) or all year round, have an effect. nextsure helps you to identify savings opportunities and find affordable quad insurance without compromising on important protection, by transparently presenting these factors and offering individual tariff options, such as garage binding or annual payment method.
Registering a quad made easy: Required insurance documents and the eVB number
Before you can legally drive your new or used quad on the road, official registration with the local vehicle registration office is essential. A key part of this process is providing proof of existing motor liability insurance. This is demonstrated with the electronic insurance confirmation, known as the **eVB number**. This seven-digit alphanumeric code is sent to you digitally by nextsure immediately after you take out your quad insurance. The eVB number confirms to the registration authority that your vehicle is insured. In addition to the eVB number, you typically need the following documents to register your quad: a valid identity card or passport with registration confirmation, the registration certificate Part I (vehicle registration document) and Part II (vehicle title) – for new vehicles, the COC (Certificate of Conformity) papers, proof of a valid main inspection (HU report) for used vehicles, and if applicable, the SEPA direct debit mandate for vehicle tax. Check with your local registration office in advance for any possible deviations or additional requirements. With the eVB number from nextsure, the insurance part of the registration is quick and straightforward, allowing you to use your quad promptly.
Seasonal license plates for quads: Flexibly and cost-effectively insured with nextsure
Many quad riders primarily use their vehicles during the warmer months. For this seasonal use, a **seasonal number plate** is an intelligent and cost-saving solution. With a seasonal number plate, you set an operating period of at least two to a maximum of eleven full months per year, during which your quad is registered and can be driven. Outside of this period, the registration is paused and the vehicle must not be moved or parked in public traffic; it must be stored on private property. The great advantage: vehicle tax and insurance contributions with nextsure are only required for the registered period. This can lead to significant savings. Important is the so-called **dormant insurance cover**: Even outside the season, many plans, including those with nextsure, continue to offer free insurance coverage, usually within the scope of partial comprehensive insurance. This means your quad is protected against theft or fire damage, even when it is unregistered and sits in the garage. When applying for your quad insurance, simply specify the desired seasonal period. The eVB number for registration will then be issued accordingly. A seasonal number plate is ideal for all who do not use their quad year-round and yet do not want to forgo comprehensive protection and flexibility.
Effective Theft Protection for Your Quad: Insurance Solutions and Prevention Tips
Quads and ATVs are unfortunately a popular target for thieves due to their design and value. A comprehensive **quad theft protection** therefore combines preventive measures with the right insurance coverage from nextsure. The **partial coverage insurance** is crucial here, as it covers the theft of your entire vehicle as well as permanently installed parts. In the event of a loss, the insurance usually reimburses the replacement value of the quad. To minimize the risk of theft, you should act proactively: Use high-quality, certified **mechanical security devices** such as steering wheel claws, disc brake locks, or robust chains with padlocks. Park your quad in well-lit and visible areas or in a locked garage whenever possible. An **alarm system** can have a deterrent effect and alert you in case of an emergency. Modern **GPS trackers** allow you to track the location of your quad after a theft, thus increasing the chances of recovery. Some insurers, including nextsure with certain tariffs, reward such additional security measures with lower premiums. Document your vehicle thoroughly (photos, frame number, special features) and keep the paperwork safe. Inform nextsure immediately in the event of a theft to quickly initiate the insurance process.
Digitale
Contract Management
Flexible
Payment options
Exclusive
Partner offers
Accident with a Quad: How to Act Correctly and Secure Your Claims
An accident with a quad can happen quickly. It is important, in such a stressful situation, to keep a cool head and proceed systematically to ensure your safety and your insurance claims with nextsure. **1. Secure the accident site:** Turn on the hazard warning lights and, if available and safe to do so, set up a warning triangle. Move yourself and other parties to safety, away from moving traffic. **2. Provide first aid:** Care for any injured parties and if necessary, call emergency services immediately (112). **3. Inform the police:** In cases of personal injury, unclear liability, significant property damage, or if the other party leaves the scene unlawfully, the police (110) must be involved. **4. Exchange details:** Note down the license plate numbers, names, addresses, and insurance details of all parties involved. Prepare a European Accident Report if available. **5. Preserve evidence:** Take photographs of the accident site from different angles, the involved vehicles, and the damages incurred. Record the names and addresses of any witnesses. Make sketches of the accident sequence. **6. Do not admit liability:** Do not give any verbal or written admission of liability at the scene. **7. Report the damage to nextsure:** Report the accident promptly to your quad insurer, nextsure. Describe the incident accurately and submit all gathered information and documents. Our claims service will assist you with further processing and clarify which services (e.g., liability, partial or comprehensive coverage) apply.
Travelling abroad with a quad: Does your nextsure insurance cover you across Europe?
If you plan a tour abroad with your quad or ATV, it is important to check the coverage of your insurance. In general, your **quad liability insurance** from nextsure is valid in most European countries. The **International Insurance Card (formerly Green Card)**, which you receive from us, serves as proof. This confirms that your vehicle is insured in accordance with the regulations of the host country. In EU member states and some other countries (e.g. Switzerland, Norway, Iceland), the official number plate often suffices as proof of insurance. Nevertheless, it is advisable to always carry the International Insurance Card, as it can facilitate matters in the event of a claim. Before your journey, carefully check which countries are listed on your card and whether your planned destination is covered. For comprehensive cover (partial and comprehensive insurance), there are often geographical limits, which usually include Europe. You can find details in your insurance terms from nextsure. For travel outside the areas mentioned on the card or for specific requirements, such as for off-road tours in certain regions, please contact us in good time. We are happy to advise you on whether your current cover is sufficient or if additional protection, such as foreign damage protection, would be wise to ensure you are optimally insured even on holiday.
Quad Tuning and Insurance Coverage: What You Need to Consider with Modifications
Custom modifications and tuning measures are popular among quad riders to improve performance, appearance, or functionality. However, it is essential to understand the impact of such modifications on your insurance coverage with nextsure. Essentially, all **approval-required modifications** that, for example, increase performance (e.g., chip tuning), alter the chassis (e.g., lowering, track widening), or affect the dimensions of the quad must be recorded in the vehicle documents. Such changes must be **reported to your insurance immediately**. Unreported, relevant modifications may lead to a denial or reduction of benefits in the event of a claim, as they change the insured risk (increased risk). Even non-approval-required additions that significantly increase the vehicle's value (e.g., high-quality luggage systems, special lighting) should be reported to the insurance to ensure they are adequately considered in the event of a comprehensive damage claim. After reporting the modifications, nextsure will check if an adjustment to your insurance premium is necessary. Transparency is key here: Inform us before or immediately after carrying out the tuning measures. This ensures that your insurance coverage for your customised quad remains seamless, and you don't end up bearing the costs yourself in the event of a claim.
What types of quads and ATVs can I insure with nextsure?
When searching for the right quad insurance, price is an important factor, but it should not be the sole criterion for decision-making. A comprehensive **quad insurance comparison**, as transparently enabled by nextsure, takes multiple aspects into account to ensure optimal protection. Firstly, pay attention to the **scope of cover** in the individual comprehensive policies: What exactly is covered by the insurance? Are there any exclusions, such as for gross negligence? Are damages caused by animal bites or short circuit consequences included? The amount of the **coverage sums** in liability insurance should be sufficiently high to provide protection even in cases of serious personal injury – the statutory minimum protection is often insufficient. Check the conditions of the **excess** in comprehensive and collision coverage: how high is it, and does it apply per claim? An important point also is the **service in the event of a claim**: How quick and uncomplicated is the processing? Does the insurer offer a 24/7 claims service? Is there a free choice of workshop or a binding tie to certain workshops that can reduce the premium? Additional criteria include extra services such as a **breakdown and accident assistance cover**, insurance of accessories, or special conditions for seasonal registration plates. At nextsure, we value clear contract terms and a digital, customer-friendly process. Compare not only figures but also the fine print and service to find the quad insurance that truly meets your needs.
