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Quad bikes do need insurance if: They’re ridden on public roads · They’re parked on public roads · They’re used as farm quads and are driven on public roads for more than 1.5km at a time ; Quad bikes do not need to be insured if: They’re only ever driven off road · They’re parked on private land, or kept it in a garage, when not in use · They’re registered as light agricultural vehicles , and are driven for 1.5km or less on public roads