Do I Need Electric Tricycle Insurance?
For many riders, an electric tricycle quickly becomes more than just a way to get around - it’s a source of freedom, independence, and joy. Like any valued possession, it deserves to be looked after. While it’s easy to focus on the adventures ahead, it’s worth taking a moment to think about how you’d protect your tricycle if the unexpected happened.
Insurance can sometimes feel confusing, with so many options and providers out there. That’s why we’ve put together this simple guide: to help you understand whether tricycle insurance is something you should consider.
Do I Need Insurance to Ride an Electric Bike or Tricycle?
You don’t need insurance by law to ride an electric tricycle or bicycle, but having cover in place can still be a wise choice. Riding an electric trike is a wonderful way to enjoy freedom and independence, yet, just like cycling on two wheels, there are always risks. While most of your journeys will be filled with fun and adventure, insurance can take away that lingering “what if?” and give you extra peace of mind.
It’s also worth thinking about protection when your tricycle is parked or stored away. Our guide on How to Safely and Securely Store Your Tricycle can help you keep it safe, but, just like with any treasured possession, it’s reassuring to know you have a back-up plan should the unexpected happen.
What Does Electric Tricycle Insurance Cover Me For?
The type of cover you’ll get depends on the policy, but most insurance for electric tricycles includes protection against theft and damage as standard. Many policies also go further, offering additional peace of mind with features such as:
Equipment and accessories
When you’re out on your tricycle, you’ll often bring along extras and accessories. Whether it’s a spare battery, helmet, lock, or other gear. Some policies will also cover these items if they’re stolen or damaged.
Personal accident cover
Jorvik tricycles are designed to be stable and secure, but accidents can still happen. Personal accident cover helps protect you financially if you’re injured while riding. This is often included as standard.
Public liability insurance
Sometimes it’s the little mishaps that cause the most worry. Public liability cover helps if you accidentally damage someone else’s property, for example, scraping a car while manoeuvring in a tight space.
Breakdown cover
Just like with cars, some tricycle insurance policies offer breakdown support. If your trike lets you down while you’re out and about, this cover can either arrange roadside recovery or reimburse costs for alternative transport.
Every insurer is different, so it’s important to check exactly what’s included in your policy. That way, you can be sure the cover you choose fits your needs and gives you complete peace of mind.
Are Tricycle and Bicycle Insurance the Same Thing?
In most cases, yes. Tricycle and bicycle insurance work in much the same way, with the main purpose being to protect your cycle, whether it has two wheels or three, against theft and accidental damage.
Insurance with Jorvik Tricycles and ETA
At Jorvik Tricycles, we’ve partnered with ETA Insurance, the UK’s longest-established specialist cycle insurer, to give you 30 days of free insurance and breakdown cover with every electric tricycle purchase.
ETA were the first to launch a breakdown service for cyclists more than 30 years ago, and they continue to offer a trusted 24-hour recovery service today. You can find out more here.