Trikes come in two styles: car style trikes and bike trikes.
If you have a bike-style trike, you'll need motorbike insurance. Get a quote now to find cover in minutes.
If you have a car-stye trike, you'll need car insurance. Read on for tips on finding the right cover, or head over to our car insurance page to compare quotes.
The type of insurance you’ll need depends on whether you have a car style or motorbike style trike.
Examples of car trikes include the Campagna T-Rex and classic 3-wheelers like the Robin Reliant.
For a car-style trike, you’ll need car insurance.
Examples of motorbike trikes include the Harley Davidson Freewheeler and the Yamaha Niken GT.
For a bike-style trike, you’ll need motorbike insurance.
What your trike insurnce covers depends on the level of insurance you take out. There are three levels to choose from:
Average cost of insurance:.
car insurance
£776*
Motorbike insurance
£320**
*Confused.com Q2 2023 price index data, average cost of fully comprehensive car insurance.
**Confused.com data Q2 2023, average cost of fully comprehensive motorbike insurance.
For car style trikes, the average cost of a fully comprehensive policy is the same as for any other type of car at £776*.
For bike style trikes it’s lower at £320**.
It isn’t just the type of trike that influences what you pay, though.
Your insurance is affected by other factors too, including:
*Confused.com Q2 2023 price index data, average cost of fully comprehensive car insurance.
**Confused.com data Q2 2023, average cost of fully comprehensive motorbike insurance.
What you pay for your trike insurance depends on many things that are out of your control, like your age and driving history. But there are some factors you can control to bring the cost of your cover down.
Have a car licence: If you don’t already plan on getting a car licence, getting one just to save on your trike insurance isn't ideal. But if you’re on the way to getting one anyway, waiting until you pass to insure your trike is a good idea. Our data shows that customers with a car licence paid £336* less for their motorbike insurance, on average, than those with a bike-only licence.
Add pillion cover: If you have a bike-style trike, adding pillion cover to your motorbike insurance policy can be a quick way to save. Our data show that policies with pillion cover selected cost 52% less on average than policies without it.
Try multi-bike or multi-car policy: While they work slightly differently, both multi-bike and multi-car policies can help bring your cover costs down. Insuring several vehicles on one policy often works out cheaper than insuring them all individually. You’ll also have less admin to deal with, and less paperwork to keep track of, so they can be useful time savers too.
Pick the right cover:Third party policies may cover less, but this doesn’t mean they cost less. In fact our data shows the opposite. Fully comprehensive motorbike policies, despite covering far more, cost £320 on average. Third party policies cost £572 on average, £252 more.
Get more tips on how to saveIn 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.
Learn more about driving through Europe.
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.
You can tax your motorbike online, by phone or by visiting the post office. You'll need your V11 form and your MOT if you're taxing it at the post office.
You should be able to cancel your motorbike insurance policy at any time, but you might have to pay an admin fee. Here's what you need to know.
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can offer you protection on the road. Whether your ride is a scooter, a classic, a superbike or something else, we can help you find your next policy.
Cover for bikes with small engines, commonly associated with first-time bike users.
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