Trike insurance for disabled riders

Stable, safe and yet exhilarating, trikes are great vehicles for disabled riders. However, many insurance companies don’t have policies to suit. Chartwell Insurance, a completely independent insurance broker that offers a specialist, caring service for disabled customers, offer a competitive trike insurance quote tailored to suit the individual.

Chartwell Insurance can cover any trike, including factory-built and converted trikes, as well as those that can be driven from a wheelchair. Chartwell also covers custom conversions, such as trikes based on bikes or cars, plus adapted or modified trikes with features such as full hand controls and performance modifications.


For example, the Conquest Trike is built around a BMW 1150 and can be driven from a wheelchair. However, many insurance companies charge well over the odds for insuring such a machine. The trike itself is very stable but doesn’t compromise on speed, doing 0-60 in under seven seconds.

Chartwell has it covered. For example, cover for social, domestic and pleasure use for a 50 year old male, living in a PE32 postcode with a clean license held for 30 years, with no motorcycle NCB but 5 years NCB on a car insured elsewhere, can get cover for a 2005, 850cc Martin-Conquest Trike, valued at £21,500, and with a limited mileage of 3000mpa for £240.86 for Chartwell comprehensive cover, with £500 excess.

Everyone’s circumstances are different and insurance policies should reflect this. That’s why the team at Chartwell takes into account the way you will use your trike as well as any modifications, using their expertise and knowledge to help you find the best deal, whatever the modification.

logo1blue&yellow300Agreed value cover is available and policies include legal cover up to £100,000. All Chartwell trike policies come with 30 days European cover (extendable to 90 days). Chartwell also offers trike specific Breakdown cover, including 60 days European cover, for £50. Other options include personal injury cover and cover for helmet, leathers and protective clothing up to £1,000.

If you are a member of an owners club, there are further discounts available. For example, members of The National Association for Bikers with a Disability (NABD) get up to 25% discount from Chartwell. If you take extra security precautions or only ride a few thousand miles per year you could also qualify for additional savings.

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