Insurance for a quad

BravoMike

I have been looking for a company here in Ireland to insure a quad so I can have it all legal to drive it on the roads but no insurance company wants to insure it.
I have seen quads on the roads of England and Germany so the question is if I find an insurance company within the EU to insure it, is that insurance valid here in Ireland?

Victor

Most quad bike aren't street legal here as they don't have a differential, i.e. both drive wheels operate together and can't operate separately.

So, once you have a street legal vehicle, ask again and then if you have no success, go to the insurance ombudsman and he can nominate an insurer who is obliged to insure you, although at a possibly prohibitive cost.

BravoMike

Thanks for the quick reply, I guess thats a no for insurance so.

Del2005

There are plenty of street legal quads, but from reading and posting on several threads the only viable way is to get them added to farm insurance policies.

Or ring the 4 Bike insurers, Quinn - Adelaide -Carole Nash -Aon, and then get the ombudsman to force them. But there may be phone numbers for quotes.

MagicSean

Wouldn't you need to register and vrt and tax it?

Del2005

k_mac wrote: »

Wouldn't you need to register and vrt and tax it?

Yes, that's what makes them road legal.

There are pure off road quads like the Yamaha Raptor and utility versions like the Yamaha Grizzly. The Grizzly is road legal.

OP, have you ever driven a quad on the road? There not the easiest vehicle to drive on sealed roads.

BravoMike

k_mac wrote: »

Wouldn't you need to register and vrt and tax it?

That’s correct the quad has to get a cert of road worthiness before you can start to register and tax, we don’t really want to have to through all the bother if we can find an insurance company.

Del2005 wrote: »

OP, have you ever driven a quad on the road? There not the easiest vehicle to drive on sealed roads.

Ya I have I have been driving quads for about 11 years now on paved road and off road. I agree they can be tricky to drive but it all depends on the speed your travelling.


Can anyone answer the other question if I find an insurance company within the EU to insure it, is that insurance valid here in Ireland?

MagicSean

BravoMike wrote: »

That’s correct the quad has to get a cert of road worthiness before you can start to register and tax, we don’t really want to have to through all the bother if we can find an insurance company.



Ya I have I have been driving quads for about 11 years now on paved road and off road. I agree they can be tricky to drive but it all depends on the speed your travelling.


Can anyone answer the other question if I find an insurance company within the EU to insure it, is that insurance valid here in Ireland?

It doesnt matter if you get insured on it. If the vehicle is not registered and taxed you cannot drive it on the road.

BravoMike

BravoMike wrote: »

That’s correct the quad has to get a cert of road worthiness before you can start to register and tax, we don’t really want to have to through all the bother if we cantfind an insurance company.



Ya I have I have been driving quads for about 11 years now on paved road and off road. I agree they can be tricky to drive but it all depends on the speed your travelling.


Can anyone answer the other question if I find an insurance company within the EU to insure it, is that insurance valid here in Ireland?

Thats what it should have read

MagicSean

BravoMike wrote: »

Thats what it should have read

Ah right. Once the insurance company agrees to insure the vehicle in Ireland and the terms of the policy meet those required in Ireland I don't see how there would be a problem.

Del2005

BravoMike wrote: »

Can anyone answer the other question if I find an insurance company within the EU to insure it, is that insurance valid here in Ireland?

No, AFAIK the company has to be registered in Ireland to cover you in Ireland.

Since there are very few actual insurance companies you're highly unlikely to find one that's not operating here already.

coylemj

Del2005 wrote: »

No, AFAIK the company has to be registered in Ireland to cover you in Ireland.

Since there are very few actual insurance companies you're highly unlikely to find one that's not operating here already.

There used to be an approved list of motor insurers, it was kept by the Dept. of Industry & Commerce but I guess now it's the responsibility of the Financial Regulator.

As the previous poster has said, all of the possible insurers are probably operating here already but if you found some crowd in Slovenia or Estonia, the likelihood is that they wouldn't give you a quote and even if they did, any policy they wrote for you wouldn't satisfy the legal requirements here unless they were on the approved list.