Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Insuring a trike
With a trike it is not the appearance but the vehicle category on the registration certificate that determines which driving licence you need and which cover is possible.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Depending on their construction, weight and power, trikes are registered either as a motorcycle or as a three-wheeled motor vehicle. That distinction is not a formality: it determines the driving licence required, whether a helmet is compulsory and how the insurer assesses the vehicle. Driving without the required licence is an absolute exclusion on every motor vehicle policy, including under own-damage cover and even if the collision was not your fault.
Insurance is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) for as long as the vehicle has a registration number, even if it stands indoors all winter. Suspending the registration with the RDW (the Dutch vehicle authority) is the only way to set that obligation aside temporarily. Third-party liability cover pays for the damage you cause to others; damage to the trike itself is covered only under third-party, fire and theft or comprehensive cover.
Many trikes have been converted or built by their owner. That is the most awkward point for the own-damage value: there is no list price and no comparable model. In that case we have the value established in advance, so that there is no argument about what the vehicle was worth if it is a total loss. See also the cover for quads, trikes and the MP3.
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Trike: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Vehicle category. Registration as a motorcycle or as a three-wheeled motor vehicle determines the rate and whether the risk is accepted.
- Engine capacity and power. Heavier engines, often taken from a car, fall into a higher class.
- Cover chosen. Third-party liability is the statutory basis; third-party, fire and theft adds fire, theft and glass, and comprehensive cover also covers damage that is your own fault.
- Agreed value. For a home-built or converted machine the valued amount counts, not a list price that does not exist.
- Storage and security. A locked garage and an approved lock weigh heavily, because a trike does not fit in a porch but can be towed away.
- No-claims years and riding experience. Years built up on a motorcycle policy can often be transferred. The age of the regular driver counts as well.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Check your registration certificate first
Part I states the vehicle category. If it names a motorcycle category, the motorcycle licence with its associated power restriction applies. For a three-wheeled motor vehicle a different category may apply. Look at this before you take to the road and not after something has happened, because in the event of a claim an insurer first checks whether the driver was entitled to drive. If not, cover lapses entirely.
Modifications must be declared in advance
A different engine, a wider rear frame, different suspension or a modified exhaust changes the risk and sometimes the type approval. Article 7:928 of the Dutch Civil Code requires you to declare everything relevant to the assessment when the policy starts. If that changes later, the same applies. An undeclared increase in power gives grounds for a defence of non-disclosure in the event of a claim, and the payment may be reduced or refused.
Establish the value before things go wrong
For home-built and converted machines there is no market value table. Have the vehicle valued and include the valuation as an annex to the policy, together with the parts fitted. Without a valuation the loss adjuster sets a value himself in the event of a total loss or theft, and for a home-built machine that is almost always lower than what you have invested in parts and labour.
Where the policy stops
Excluded are taking part in competitions, speed trials and driver training on a circuit. Driving under the influence means the third-party damage paid out is recovered from you personally. If you hire out the trike or let someone else use it for payment, that is commercial use and does not fall under a private policy. And under own-damage cover, theft is covered only if the prescribed security was fitted and in use.
Frequently asked questions
This is what people ask us most.
Which driving licence do I need?
That follows from the vehicle category on Part I of your registration certificate, not from what the vehicle looks like. Two trikes standing side by side may be registered differently. Check the category and compare it with the categories on your driving licence. If you drive without the required entitlement there is no cover, and the insurer recovers from you the amounts paid to third parties.
Do I have to insure the trike while it is stored indoors over the winter?
Yes, for as long as the registration is active in your name. Article 2 WAM links the insurance obligation to the registration and not to use. If you would rather not pay for the winter period, suspend the registration with the RDW; during a suspension the obligation lapses, but the vehicle may not stand or be driven anywhere on the public road either.
Is a passenger insured as well?
Third-party liability cover pays for injury to your passenger, because a passenger is an injured third party. The driver is not, and remains uninsured for his own injury. If you want to cover that, you need a personal accident policy for riders or an occupants' indemnity policy; the latter pays the actual loss instead of a fixed sum.
I built the trike myself. Can I take out own-damage cover?
Often you can, but not automatically. Insurers want a valid registration, photographs and a valuation report from a recognised valuer. Without a valuation, part of the market accepts third-party liability only. Have the valuation renewed periodically, because a valuation report is valid for a limited period, after which the insurer is no longer bound by it.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
- Insuring a quad and trikeCategory, licence, cover
- Insuring a quadRegistration, off-road, third-party liability
- Compare quad, trike and MP3 insuranceThree- and four-wheelers, registration, off-road use
- Insuring a 200 cc quad200 cc, registration, AM or B licence
- Insuring a 350 cc quad350 cc, registration, B or A licence
- Business vehicle insuranceUse, drivers, claims burden
- Insuring a PiaggioVehicle category, theft, lock requirements
- Insuring a financial leaseEconomic owner, comprehensive cover, outstanding balance
Read more
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Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.