What's classed as a trike?
Insurers class any three-wheeled vehicle as a trike, whether it's a delta trike with its two wheels at the back, or a tadpole trike with two wheels at the front.
But there are two main types of trike: and you'll need different insurance for each of them.
Car trikes usually have the following features:
- An enclosed body (a roof and sides)
- A steering wheel
- A car chassis
Motorbike trikes usually have:
- An open body
What extras can I get with my trike insurance?
You could add a number of optional extras to your trike insurance policy. Depending on your needs, these could come in handy for extra protection, but bear in mind they could also come with added costs.
Typical trike insurance add-ons include:
- Breakdown cover
- Legal cover
- Pillion cover
- Leathers & helmet cover
Motorbike breakdown cover can be added to your policy with most insurers. It can include breakdown assistance both in the UK and abroad.
Motor legal protection is an add-on that's designed to help pay your legal costs if you incur any following a claim.
Pillion cover covers you to carry a passenger on your trike. Most motorcycle insurance companies don’t cover passengers as standard.
Leathers and helmet cover insures your riding gear. This could help pay for repairs or replacements if they get damaged following a claim.
What our motorbike insurance expert says
If your trike is a standard model we can get you a great trike insurance price. If its customised or converted you’ll need to make sure that your insurer really understands what they’re insuring.
Basically, if it’s got handlebars we’ll try to insure it for you, if its enclosed with a steering wheel then it usually needs car insurance.
Motorbike insurance product manager