Trike Insurance

Whether your trike is a unique home crafted design or is one of the finest pieces of automotive engineering on the road, we know it’s your absolute pride and joy. After all trikes, or tricycles, offer a unique riding experience unlike anything a regular bicycle or motorcycle could provide. You don’t ride it because you want to fade into the background, you probably like the attention it gets wherever you go – the awed stares from passing motorists, kids and other bike and trike fans. Functioning on three wheels, trikes come in all shapes and sizes, and depending on their configuration, can be classed as either motorcycles or cars. However, because they are unique forms of motor transport, they sometimes need to be covered by specialist trike insurance and that’s where The Bike Insurer’s unique partnership with Howden Insurance comes into play!

What is trike insurance?

Trike insurance is essentially a type of insurance that’s specifically designed for three-wheeled vehicles, commonly known as trikes. Trike policies typically offer coverage like car or motorcycle insurance, but since trikes are considered unique vehicles, you might need a specialised policy tailored to the specific needs and risks of your pride and joy. These policies also consider factors such as what the vehicle is classed as (is the trike classed as a motorbike or car) its engine size, the make and model, its usage, and the rider's driving history.

Types of insurance for trikes

The type of insurance you’ll need will depend on the type of trike you have. Some trikes are actually classed as cars, and others are classed as motorbikes. Either way, if the trike is a standard production model, you might only need a regular car or motorcycle insurance policy to provide cover. But, if your trike has modifications or is non-standard in anyway, you might need a more specialist type of policy, which The Bike Insurer can help you with.

Besides all that, much like many standard motor and vehicle insurance policies, all trike owners are able to opt for one of three levels of cover when taking out a policy:

1. Third Party Only
2. Third Party, Fire and Theft
3. Comprehensive

You’re legally required to have at least Third Party Only cover, as the minimum level of protection you can buy, whilst Comprehensive cover is the highest level of cover you can opt for.