Yes, you do. It's against the law to ride on UK roads without at least third-party insurance for your road-legal quad.

While you're not required to carry your insurance documents with you constantly, you must provide them to a police officer upon request - either on the spot or within 7 days by presenting them at a police station.

• To get a quote, you'll need:

• Your quad's registration number

• The make and model

• Your driving licence details (car licence required)

• Your postcode

• Your date of birth

• Details of any previous claims, convictions or accidents in the last five years

• Your no claims bonus (if you have one)

• How you'll use the quad (social, domestic and pleasure, commuting, or agricultural use)

• Your estimated annual mileage

Don't worry if you haven't got all the details to hand – request a callback and we can help you through the quote

We provide cover for road-legal quads only. Off-road cover is not available as part of our quad bike policies.

We may be able to cover imported or custom-built quads, but these are assessed on a case-by-case basis at the underwriter's discretion.

Request a callback to discuss your specific quad and we'll let you know if we can help.

There are a few things that can help bring down your premium:

• Fitting additional insurance-approved trackers to your quad bike can provide discounts. Keep it in a locked garage or secure premises overnight if possible. Please note that mechanical locks are a policy requirement.

• Your riding record makes a big difference. Accruing your no-claims bonus is the single most efficient way of building up discounts on your insurance quote. Try to avoid getting points on your licence or having accidents.

• When setting up your policy, you could choose a higher voluntary excess to lower your insurance premium. However, take care to guarantee you would still be able to afford the excess should a claim arise – and that the value of this excess does not exceed the value of your vehicle. Be realistic about your annual mileage, too – estimating too high will increase your premium.

Request a callback and we can talk through more ways to lower your premium.

The more you ride, the more you'll typically pay. Insurers see it as simple maths: more miles mean more time on the road, which means more chance of having an accident.

The important thing is to be honest about your mileage. If you overestimate, you'll pay more than you need to. But if you underestimate and then need to make a claim, you might find your policy isn't valid.

If your mileage changes quite a bit during the year, let us know so we can update your policy.

Yes, you can do it through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You'll be able to look at your policy documents, renew your policy, update your details, and make changes to your cover. It's available 24/7, so you can sort things out whenever it suits you.

Yes, we're based in Diss and Thetford, Norfolk. Having a UK-based team means you're speaking to people who understand UK roads. We’re also around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year. It's run by Lancaster Gate Assistance.

So whether you've had an accident at 3am on a Sunday or need to make a claim on Christmas Day, you can get through to someone straight away.

We've been insuring vehicles for over 25 years now.

In that time, we've built up considerable expertise across different vehicle types, including specialist knowledge of quad bikes and ATVs used for both agricultural and leisure purposes.

That experience means we understand what quad bike riders need, rather than just treating you like another vehicle insurance customer.