Trike Insurance

Why choose us for your trike insurance?

Trikes come in all shapes and sizes, from factory-built models to custom engineered conversions, and they deserve insurance that reflects how unique they are. When you come to Principal (part of Howden), we take the time to understand your three-wheeler, the way it has been built, and how you use it so we can guide you toward cover that fits your specific setup.

Through Principal Insurance (Part of Howden), you also benefit from dedicated trike expertise. Principal has years of experience supporting Ireland’s trike community and understands the differences between bike engine builds, car engine trikes, and one of a kind custom design.

Our role is to make everything simple. We explain your options in clear language, help you compare what is available, and support you at each stage so your trike is protected with confidence.

Benefits of our trike insurance cover

• Approximately one in three riders insured through Principal trust their specialist knowledge, and Principal is now part of Howden.
• Specialist support for bike engine, car engine and custom-built trikes through our dedicated team.
• Clear guidance from people who understand the needs of Irish trike riders and Irish roads.
• Tailored advice that reflects how your trike is engineered, modified and used.
• Real help when you need it, whether you are updating details or dealing with the unexpected.

What’s included in trike insurance

As part of the wider Howden group, Principal brings specialist trike knowledge to the table - meaning you get access to features designed specifically for three‑wheel machines. These can include:

• Cover for almost all kinds of trikes, whether they’re bike‑based, car‑engine builds, custom conversions, or factory models.
• Acceptance of unlimited road‑legal modifications, ideal for riders who’ve invested time and creativity into their machine.
• Agreed value options, helping you lock in your trike’s worth, so you know exactly what you’d receive if it were written off.
• Salvage retention possibilities, giving you the option to keep your trike if the worst happens, subject to criteria.
• Legal expenses cover, often up to €100,000 for non‑fault incidents.
• Discount opportunities, such as limited‑mileage savings or owners’ club membership benefits.
• Support for adapted trikes, with options suited to riders who use mobility‑related modifications.
• European travel cover, allowing you to take your trike abroad with confidence on many policies.

Trikes are often personal projects and long‑term passions - these specialist features help protect the value, time, and care you’ve put into your three‑wheeler.

Why would comprehensive insurance be better for trikes?

Comprehensive insurance is usually the strongest option for trike owners because it provides the widest level of protection. Trikes are often custom‑built, modified, or higher in value than standard two‑wheel bikes, which means repairs can be costly if something goes wrong. Comprehensive cover can help repair or replace your trike after an accident - even if you’re at fault - and protects you against fire, theft, vandalism, and damage you might cause to others. For riders who rely on their trike regularly or have invested a lot of time, money, or custom work into it, comprehensive insurance offers added peace of mind that the other cover types simply can’t match.

Who is trike insurance suitable for?

Trike insurance in Ireland is suitable for a wide variety of three-wheel builds and riders, including:

• Custom‑built trikes
• Bike‑engine or car‑engine trikes
• Factory‑built models such as Boom, Rewaco, and similar brands
• Converted or home‑engineered trikes
• Riders using either a car licence or a motorbike licence (depending on the trike’s classification)
• Riders using adapted trikes, including those with mobility‑related modifications

Because every trike is different, specialist insurance helps ensure your cover reflects how it is built and how you ride it.

Why go through a broker like Howden?

• We explain your options clearly, so you know exactly what each type of cover includes.
• We help with questions, updates, or changes, giving you ongoing support whenever you need it.
• We do the comparison work for you, saving time and helping you find suitable specialist cover.
• We make the process easier, guiding you through the details instead of leaving you to figure everything out alone.
• You can speak to real people, not just an automated online system.

Using a broker means getting expert guidance and a smoother experience - making it easier to choose the right protection for your trike.

*Note: This is a marketing article from Howden Insurance. The information in this guide is accurate at time of publication. This content is provided for general information only and does not constitute financial or insurance advice.