Getting the trike was fairly easy. You either bought a pre-built one, had one custom built or built one yourself. All three these methods are of course a fun way of becoming the owner of this growing mode of transportation. Of course you can also have it adapted to suit your mood, style or disability. The general philosophy regarding trikes is that it should be more fun that practical. Of course it should be in running order so that you can show off your fun trike.
Once you’re in possession of your wheels of fun, there are a few responsibilities that you need to take care of. One of the most important ones is getting appropriate insurance for your trike before you take it on the road. Although the trike insurance is there to protect your precious trike from harm and damage, it is also there to protect you from crippling lawsuits should you be in an accident.
Now another ‘fun’ part of your ownership journey begins: finding insurance.
The first stop, as with anything, should be the dealer who sold the trike to you. They should be in contact with various insurance companies that are willing to negotiate with their clients. If that’s not satisfactory then you next stop should be the internet. Here you will find a variety of links to sites and advertisements that will give you the information that you need in order to make an informed decision on the insurance that you want to purchase. Some sites even go as far as doing the comparisons for you and giving you advice on this matter.
The next step is to get a few quotes. Even though you may have done a comparison online, it is important that you get a quote for your specific situation. Then you can compare it with the other quotes. You need to look at the benefits that they offer versus the premiums that they want you to pay. If that is satisfactory, you found the insurance company that you’re looking for. Before signing the papers on your trike insurance, also make sure that the company has a reputation of honouring claims. It’s no good having to fight with your insurer in order to get a claim paid out.
Finally, once you’ve decided on your trike insurance, make sure that you will be able to afford the premium quoted. Missed premiums lead to unpaid claims which could further lead to costly and disabling lawsuits.
Trike insurance is a must in today’s world of busy roads and big cars. It is unwise to neglect this aspect of riding you wheels of fun.