Mönkijän vakuutus turvaa kuskin ja kulkupelin.

Quad bike insurance

Insure the quad bike and its driver

Motor liability insurance for quad bike

A quad bike’s motor liability insurance is mandatory regardless of where you drive it, on roads, in terrain or even just in your own yard.


A year-round insurance for the quad bike

Seasonally rated insurance is valid throughout the year, with the premium automatically lower in the winter than in summer.


Owner-customer benefits

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

Motor liability insurance must be taken out for all quad bikes

When your quad bike is properly insured, you can concentrate on enjoying it. A quad bike’s motor liability insurance is mandatory regardless of where you drive it, on roads, in terrain or even just in your own yard. When provide insurance for quad bikes designed for use in terrain and public roads. A utility ATV can be insured as a tractor.

A quad bike’s motor liability insurance covers any of the driver’s or passengers’ personal injuries and their treatment and any losses caused to an innocent adverse party. Any losses to the quad bike, on the other hand, are covered by an optional comprehensive motor vehicle insurance.

The commonest quad bike accident occurs when it tips over.
Jokainen mönkijä tarvitsee liikennevakuutuksen.

Comprehensive motor vehicle insurance covers losses to your quad bike

Comprehensive motor vehicle insurance taken out for a quad bike covers a variety of damage to it. You can choose between Maxi and Medium Motor Insurance for your quad bike. Maxi Motor Insurance covers the most, such as losses caused by the quad bike being involved in a collision or swerving off the road, and also theft, fire and vandalism losses.

Medium Motor Insurance is a cheaper option, but does not cover any collision losses. Yet Medium Motor Insurance covers theft and fire losses.

Naiset ajavat autovakuutuksella turvattua henkilöautoa
Car insurance for passenger cars
Nainen nauraa terveysvakuutuksen turvin
Health insurance for an adult

You can reduce the probability of accidents by being careful and following the safety regulations.

When not in use, a quad bike should always be locked or kept inside a locked space. If a stolen quad bike has not been in a locked space, the deductible is triple the normal amount. A quad bike is properly locked when the keys are out of the ignition and the steering lock or the immobiliser is activated. In the absence of such devices, the quad bike must be locked with a brake lever lock, chain lock or wire lock to prevent unauthorised use.

Please remember that not only the quad bike driver but also all the passengers must wear a helmet.

Benefits from Pohjola Insurance

You receive the following insurance benefits for prime customers when you have policies from at least three different product categories:

  • 7% off home and other property insurance, personal insurance, continuous travel insurance and comprehensive motor vehicle insurance policies
  • as our prime customer aged 18–27, a discount of 21% on nearly all insurance for home and family policies.
  • free 40% increase in the sum insured under life insurance.

If you are also an OP cooperative bank owner-customer, you are entitled to an extra discount of 3% on most insurance products. The extra 3% discount for owner-customers cannot be combined with the 21% discount for young insurance customers.

Regardless of your number of policies or type of customer relationship, we always offer the following benefits:

  • a 2.5% discount when paying your insurance bill in one instalment.
  • a permanent 5% discount on life insurance purchased online.
  • free life insurance for one year for parents of children under 12 month

Benefits for OP cooperative bank owner-customer

As an owner-customer, you get the following benefits regardless of your number of policies:

  • OP bonuses you accrue will be used to pay insurance premiums*
  • free 40% increase in the sum insured under life insurance.
  • deductible benefit of 200 euros for MyHome Insurance.
  • free Product Protection Insurance for purchases made using OP credit cards

*As our owner-customer, you earn OP bonuses, which are used to pay insurance premiums and banking service charges. OP bonuses are earned from insurance policies, loans, savings and investments, funds in your accounts, and purchases paid with OP-Visa using the credit function.

The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.