{"id":1951,"date":"2025-06-24T14:45:47","date_gmt":"2025-06-24T14:45:47","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1951"},"modified":"2025-10-17T12:52:19","modified_gmt":"2025-10-17T10:52:19","slug":"quad-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/","title":{"rendered":"Insurance for Quads"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#Seguros_para_Quads_Guia_completa\" >Insurance for Quads: A complete guide<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#%C2%BFQue_es_un_quad_y_como_se_clasifica\" >What is a quad and how is it classified?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#Seguro_obligatorio_lo_que_dice_la_ley\" >Compulsory insurance: what the law says<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#%C2%BFQue_cubre_un_seguro_para_quad\" >What does quad bike insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#Tipos_de_seguros_segun_el_uso\" >Types of insurance according to use<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#Factores_que_influyen_en_el_seguro\" >Factors influencing insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#Seguros_para_quad_agricola_o_de_uso_profesional\" >Insurance for agricultural or professional quad bikes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#Cuanto_cuesta_asegurar_un_quad_para_uso_recreativo\" >How much does it cost to insure a quad bike for recreational use?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#Consejos_para_elegir_tu_seguro_de_quad\" >Tips for choosing your quad bike insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#%C2%BFEs_obligatorio_contratar_un_seguro_para_quad\" >Is it compulsory to take out quad bike insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/quad-insurance\/#Preguntas_frecuentes\" >Frequently asked questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguros_para_Quads_Guia_completa\"><\/span>Insurance for Quads: A complete guide<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>If you have a quad bike, whether it is a light, non-light or special vehicle, you need at least compulsory civil liability insurance (RCO). Driving without it can lead to fines of between 800 and 1,500 euros, and even immobilisation of the vehicle.<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_quad_y_como_se_clasifica\"><\/span>What is a quad and how is it classified?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A quad, also known as an ATV or quad bike, is a four-wheeled vehicle without a bodywork, designed for off-road use and steered by handlebars. In Spain, according to the Direcci\u00f3n General de Tr\u00e1fico, there are three types: light quads (not exceeding 350 kg), non-light quads (up to 400 or 550 kg if carrying a load), and special vehicles (for agricultural or industrial use). Each requires a different type of licence and has its own conditions for driving.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Protect your quad and avoid penalties<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Take out compulsory insurance for your quad bike today and avoid fines, driving licence withdrawal and other legal risks.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Protege+tu+quad+y+evita+sanciones\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"Seguro_obligatorio_lo_que_dice_la_ley\"><\/span>Compulsory insurance: what the law says<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>All quads must be insured, even if they are parked or used only on private land. They are required by law to have at least RCO insurance, which covers damage you may cause to other people or vehicles. Failure to have this can lead to significant financial penalties and even the withdrawal of your licence.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_para_quad\"><\/span>What does quad bike insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The compulsory cover is Civil Liability. From there, you can add guarantees according to your needs: theft, fire, travel assistance, legal defence, driver's accidents, own damage, and even protection for accessories or installed equipment. It all depends on how you use the quad bike and what you want to protect.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tipos_de_seguros_segun_el_uso\"><\/span>Types of insurance according to use<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are several options:<\/p>\n<ul>\n<li><strong>Basic third party insurance<\/strong>which only covers civil liability.<\/li>\n<li><strong>Extended third party insurance<\/strong>which adds coverage such as theft, fire or assistance.<\/li>\n<li><strong>Comprehensive insurance<\/strong>which also protects your quad if you suffer your own damage.<\/li>\n<li><strong>Temporary insurance<\/strong>ideal if you only use your quad a few days a year.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Factores_que_influyen_en_el_seguro\"><\/span>Factors influencing insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The price and conditions of the insurance depend on many factors: the type of quad, its power, the use you make of it (recreational, professional, agricultural), your experience as a driver, the area where you live and the coverage you choose.<\/p>\n<p>For example, a powerful quad bike used in rural environments for work does not need the same as a light quad bike used for weekend rides. That's why it's important to choose an insurance policy that's right for you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seguros_para_quad_agricola_o_de_uso_profesional\"><\/span>Insurance for agricultural or professional quad bikes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you use your quad bike to work in the field, transport materials or drive in demanding terrain, you need a policy that covers these risks. These uses require specific coverages such as rollover damage, theft in rural areas or assistance on complicated roads. Tell us about your case and together we will assess the best option.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cuanto_cuesta_asegurar_un_quad_para_uso_recreativo\"><\/span>How much does it cost to insure a quad bike for recreational use?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There is no fixed price, as it depends on many aspects. If you use your quad bike on weekends for tours or getaways, it is important that you take advice so that you only hire what you really need.<\/p>\n<p><a href=\"\/en\/contact\/\">Contact with us<\/a> and we will help you choose the best policy for you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Consejos_para_elegir_tu_seguro_de_quad\"><\/span>Tips for choosing your quad bike insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Be clear about whether you use it for leisure or for work.<\/li>\n<li>Includes coverage for accessories if you have installed upgrades.<\/li>\n<li>Check the limits and exemptions for each option.<\/li>\n<li>Check the exclusions carefully, as many insurers do not cover competitions or night-time routes.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEs_obligatorio_contratar_un_seguro_para_quad\"><\/span>Is it compulsory to take out quad bike insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, even if you only use it on a farm or don't move it out of the garage. Any registered quad bike must have at least compulsory insurance. This is required by law in Spain.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Can an unregistered quad bike be insured?<\/strong><br \/>\nNo. It must be registered, either with an ordinary or agricultural plate.<\/p>\n<p><strong>Can I wear a bike helmet to ride a quad bike?<\/strong><br \/>\nNo. You must wear an approved motorbike or ATV helmet.<\/p>\n<p><strong>Is there temporary insurance for quads?<\/strong><br \/>\nYes, there are options to insure your quad for short periods, from 1 to 30 days.<\/p>\n<p><strong>What if I only use the quad bike within a private estate?<\/strong><br \/>\nYou still need compulsory insurance, because the law considers that there is a risk even if you are not driving on public roads.<\/p>\n<p><strong>Do I have to take out a different insurance if I work with my quad bike?<\/strong><br \/>\nYes, in such cases it is better to have coverage adapted to professional use.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fas fa-question-circle\"><\/i><\/div><p data-pm-slice=\"1 1 &#091;&#093;\"><strong>Do you have any doubts?<\/strong> <a href=\"https:\/\/lawebdeseguros.com\/en\/contact\/\">Contact<\/a> with La Web de Seguros if you would like us to study your case and advise you without obligation.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Insure your quad for recreational or professional use. Protection against accidents, damage and civil liability on rural, sporting or private routes.<\/p>","protected":false},"author":2,"featured_media":2535,"parent":1895,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[22],"class_list":["post-1951","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-para-vehiculos","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1951","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1951"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1951\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2535"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1951"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}