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Travel Insurance for Quad Bike (ATV) Riding
Travel Insurance for Quad Bike (ATV) Riding
Written by
Rachel Gregg
Edited by
Andrew Kemp
Reviewed by
Adrian BennettEasily compare Travel Insurance
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Does travel insurance cover quad bike (ATV) riding?
Long story short
Quad bike (ATV) riding usually needs an adventure add-on
Cover for riding quad bikes, sometimes referred to as ATVs, isn’t included in standard travel insurance; you’ll need extra cover specific to adventure activities.
Quad bike riding increases injury risk, making extra cover more important
Rollovers and rocky terrain can cause severe injuries and costly medical bills. You will need to check you have the policy inclusions to receive financial help if your plans (and quad bike) go sideways.
Adding quad bike travel insurance can cost more
Adventure activity coverage will cost more than your standard policy. On top of this, your destination, trip length, and pre-existing conditions could also bump up the cost.
Does travel insurance cover quad bike (ATV) riding?
Most of the time a regular travel insurance policy won’t cover all-terrain vehicle (ATV) activities, which includes quad bike riding; for that, you’ll need an adventure sports add-on to your main travel insurance policy.
Optional adventure insurance is offered by most travel insurers for things that get your heart pumping and adrenaline rushing, like jumping out of a plane or exploring the depths of the sea. The exact list of included adventure activities and exclusions will vary by insurer. Still, they’re there to protect you against the higher risk that some of these thrilling activities come with.
You might have plans to take an off-road quad bike day trip in Bali or add a last-minute ATV experience to your US trip, like riding around Hawaii for those extra tropical views. Whether it’s a highlight of your trip or a fun side quest, it’s important to ensure your travel insurance covers every inch of your holiday.
Why should I get travel insurance for quad bike (ATV) riding?
Quad bike accidents are common, with injuries from rollovers carrying the biggest risk. If you’re exploring a location by ATV, it’s worth making sure your policy covers medical expenses, should you require emergency assistance if something goes wrong. Having to cover the cost of a trip to the hospital isn’t a souvenir you’ll want to bring home.
Helpful tip
You could find that claims for adventure activities come with a bigger excess than usual – it could even be added on top of your standard excess. This could mean a higher price to pay if something goes wrong during your quad bike adventure. This is why you should always read the full details of your policy so you understand exactly what you’d have to pay if you need to claim.
Adrian Bennett
General Manager for General Insurance
What does travel insurance for quad biking (ATV) typically cover?
Travel insurance for quad bike (ATV) riding can include cover for things like medical expenses, damaged personal belongings, and event cancellation costs. Just remember that you won’t be covered for everything; for example, most insurers won’t cover you if you’re not wearing a helmet or driving under the influence.
Typically covered
Medical expenses if you’re injured while on an all-terrain bike tour
Damage to personal belongings during such an activity
Cancellation costs from pre-booked adventure tours
Claims involving a single rider with a single passenger
Not typically covered
Accidents caused by ignoring safety instructions or not wearing the right protective gear
Accidents while under the influence of drugs or alcohol
Accidental damage to the quad bike itself
How much does travel insurance for quad bike (ATV) activities cost?
Comparing from iSelect’s range of providers as of March 2026, a week-long comprehensive travel policy with adventure sports coverage could cost an average of $117. This example is based on a trip to Iceland that needs extra coverage for a quad bike tour through local volcanic springs. Because quad bike riding is typically an extra coverage option, policies including it will typically cost more than standard travel insurance alone.
Just remember that the exact price of your travel insurance product can change depending on factors unique to your trip, like where you’re going, how long for, and any personal health conditions that could affect your coverage.
What should I consider when choosing travel insurance for quad bike (ATV) riding?
Factors such as the excess and policy you choose, where you intend to have your quad bike adventure, and your age can all affect your base travel insurance quote.
Destination
Where your holidays take you can affect your travel insurance policy. Most policies price premiums based on a destination’s specific risk, which is why some countries, like New Zealand, might be cheaper than others, like the US.
Age
Some insurance companies have age limits for their travel insurance policies. This can vary, but most insurers have an age limit of around 89 years; sometimes this can be higher at up to 99 years old or lower, it all depends on your chosen travel insurer. There could also be age limits for optional add-ons which you’ll need to think about.
Excess
Most policies will come with a customisable excess, which can determine the final price of your policy. A lower excess can mean a higher premium, whereas a higher excess could knock your final premium price down a notch. Just make sure you choose an excess that you would be comfortable paying if you need to claim.
Tips to stay safe on quad bike (ATV) adventures
Quad bike travel insurance can have your back, but it’s still important to be safe – that means wearing a helmet, listening to your instructor, and driving sensibly (while still having a fun time).
Wear a helmet
Whether your instructor tells you to or not, you should always wear a helmet while riding or driving an all-terrain vehicle. In some insurance cases, you’ll need to be wearing a helmet to be covered or to make a related claim.
Use a licensed tour operator
Booking with a licensed operator means you’ll be given proper safety briefings and the equipment you need to have safe fun on your four-wheeled adventure. In most cases, your travel insurer will only cover you if you’re using a commercial operator.
Check if you need a licence
Depending on where and how you’ll be riding, you’ll need to check if your current licence in Australia works or if you need an international one for your activity. Some quad bike tours could take you on main roads, while others are on private land.
Listen to the safety briefing
Make sure to pay attention to the safety briefing before driving off. Even if you’ve driven a quad bike before, your guide knows the track better and has the right knowledge to keep you safe.
Don’t drive recklessly
Driving recklessly can mean a greater chance of accidents or injury. Even if you’re not an ATV newbie, don’t drive in a dangerous way that could potentially risk you or others in your tour group.
Find travel insurance for your quad bike (ATV) adventure
Planning to add some adrenaline-filled fun to your trip? Whether it’s a single quick activity or a full weekend on heart racing fun, check your travel insurance coverage options before leaving to ensure you get a great cover. Make sure you always read the PDS. Head online to compare from a range of travel providers and plans so you can enjoy your next adventure with as little stress as possible.
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iSelect General Pty Limited ABN 90 131 798 126, AFS Licence Number: 334115. Any advice provided by iSelect is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold.