Trike insurance: Compare three-wheeler bike insurance

Although not a common sight on UK roads, trikes have a devoted following. They’re loved for their individuality, comfort and greater stability than standard motorcycles. Whether you ride one for pleasure or to aid your mobility, you’ll need to find the right trike insurance to protect your cherished three-wheeler.

Although not a common sight on UK roads, trikes have a devoted following. They’re loved for their individuality, comfort and greater stability than standard motorcycles. Whether you ride one for pleasure or to aid your mobility, you’ll need to find the right trike insurance to protect your cherished three-wheeler.

Daniel Hutson
From the Motor team
4
minute read
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Posted 20 MAY 2021

What is a trike and how is it insured?

A trike is a three-wheeled vehicle. While that might sound obvious, it’s not quite as simple as that for insurance purposes.

Trikes are often custom-built or modified and won’t be covered by standard policies. There may even be confusion over which type of vehicle it is, as trikes can be classed as either cars or motorcycles.

  • Three-wheel cars – broadly speaking, if a three-wheeler has a closed chassis, manual gears and a steering wheel, it’s classed as a car. Well-known examples include the Reliant Robin and the upmarket Morgan 3 Wheeler. You’ll need specialist car insurance for this type of trike.
  • Three-wheel motorbikes – a three-wheeler with an open chassis and handlebars is typically classed as a motorcycle. Think Harley Davidson’s Tri Glide Ultra and the Piaggio MP3. You’ll either need standard motorbike insurance or specialist tricycle insurance for three-wheel motorcycles.

Who can ride a trike?

his all depends on which type of licence you have, as the law changed in 2013.

If you passed your car driving test before 19 January 2013, nothing changes and you’re allowed to ride any trike. If you passed your driving test after that date, or you don’t hold a car driving licence, the rules are different.

You’ll need to be over 21 and have a full motorcycle licence to ride a motor tricycle of any power rating. You can ride trikes with a power output of up to 15kW with an A1 motorcycle licence or more than 15kW with a full category A motorcycle licence. You’ll also need to pass compulsory basic training (CBT) before taking a theory and practical test.

Only people with physical disabilities can take a driving test on a trike.

How do I get insurance for my trike?

It can be tricky to find tricycle insurance that meets your needs, as three-wheelers are often motorbikes that have been modified into trikes by their owners. If you have a non-standard or custom-built model, you’ll probably need specialist insurance. But If your trike is a standard production model from a recognised manufacturer, you may be able to get cover with a normal motorbike insurance policy.

To compare trike insurance, you’ll need to provide information about the make, model, age and value of your vehicle, as well as how long you’ve held your licence. You’ll also need to give details of any alterations or modifications you’ve made.

Some providers will offer you a discount if you’re a member of a recognised motorcycle club. Discounts may also be available to members of the National Association for Bikers with a Disability (NABD).

What level of trike cover can I get?

As with other types of auto insurance, you can choose from three levels of cover for your trike.

  • Third party only is the basic legal minimum. It covers you for any damage you cause someone else, their vehicle or their property. You won’t be covered for the cost of any damage to your own vehicle.
  • Third party, fire and theft includes everything in third party insurance, but can also offer cover you if your three-wheeler is stolen or damaged by fire.
  • Fully comprehensive is the highest level of insurance available. It offers the same as third party, fire and theft, but also covers injuries to yourself and damage to your trike.

What extras can I add to my trike insurance policy?

Like with most insurance policies, you have the option to add extras to your motorcycle or trike cover to give you even more protection. These can include:

Breakdown cover
Many insurance providers now offer breakdown assistance as an add-on. Having motorbike breakdown cover can soon get you back on the road or taken home safely if anything goes wrong with your trike, both in the UK and Europe.

Legal expenses cover
This type of cover can help pay some or all of your legal costs if you need to make a claim or a driver makes a claim against you.

Personal accident cover
If you’re involved in a serious accident, this will cover things like loss of limbs, permanent disability and accidental death.

Pillion cover
Most motorbike insurance policies won’t cover passengers as standard. So, if you regularly carry passengers on your trike, it’s important to have pillion cover in place in case they’re injured in an accident.

Helmet and leathers cover
You can get extra cover for your protective riding gear, including helmets, leathers and pads. This can help pay for repairs or replacements if your gear gets damaged in an accident.

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