Trikes are three-wheeled vehicles. The type of insurance you need depends on whether yours is built like a three-wheel car or a three-wheel motorbike.
Examples include the Campagna T Rex and classic three-wheelers like the Reliant Robin.
For a three wheel car, you’ll usually need car insurance, though some models may need specialist cover depending on the vehicle.
Examples include the Harley Davidson Freewheeler and the Yamaha Niken GT.
For a three wheel motorbike, you’ll usually need motorbike insurance, though some models may need specialist cover depending on the vehicle.
What your trike insurance covers depends on the level of insurance you take out. There are three levels to choose from:
Third-party
Third-party, fire and theft
Comprehensive
Some insurers let you add optional extras to your trike policy for an extra cost. The options available can vary by insurer, but these are some of the most useful add ons for trike riders. Typical trike insurance add-ons include:
In most cases yes. The majority of car and motorbike insurance policies we compare quotes for will cover you to drive in Europe for up to 30 days.
You’ll normally be covered for any country within the EU, as well as non-EU countries like:
Some insurers may charge you extra for European cover, but this is unlikely. If you’re driving further afield, your insurance may not cover you, so it’s worth checking with your insurer before setting off. You may need add ons like an international driving permit and additional insurance.
Aside from a valid trike insurance policy, you need to make sure:
You’re not legally required to wear a helmet when you ride a trike - that only applies to mopeds and motorbikes. But it’s still a sensible idea to wear a helmet whenever you’re on the road for all-around protection.
The same goes for leathers and other protective gear - if you’re exposed to the road, it’s a good idea to wear as much protection as possible.
Yes. As long as you’re over 21 and have a full car driving licence, you can ride a trike of any power.
That said, it’s still worth double checking your licence entitlement before you ride, as some trikes can be classed differently depending on their design. You should also make sure you have the right insurance in place for the type of trike you’re riding, whether it’s treated more like a three wheel car or a three wheel motorbike.
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