Wed Apr 27, 2022 7:26 am

Member
Fes125
Joined: 27 Apr 2022
Posts: 5
Location: London
 
Member
Fes125
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Location: London
Wed Apr 27, 2022 7:26 am linkquote
When getting insurance for a mp3. Do you put provisional licence or full car licence in and do you put your full car no claims bonus in I haven't got a full motorcycle licence but I've done the CBT for the past 4 years. When I put a quote in with provisional it's quoting me £1200.

Look forward to your replies
Wed Apr 27, 2022 7:40 am

Molto Verboso
GTS 300ie Touring 2013 - Signora D'argento & GTS 300ie HPE 2022 - Regina Arancione.
Joined: 03 Jun 2018
Posts: 1486
Location: Lancaster, U.K.
 
Molto Verboso
GTS 300ie Touring 2013 - Signora D'argento & GTS 300ie HPE 2022 - Regina Arancione.
Joined: 03 Jun 2018
Posts: 1486
Location: Lancaster, U.K.
Wed Apr 27, 2022 7:45 am

Member
Fes125
Joined: 27 Apr 2022
Posts: 5
Location: London
 
Member
Fes125
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Location: London
Wed Apr 27, 2022 7:45 am linkquote
Unfortunately doesn't answer my question but thanks anyway
Wed Apr 27, 2022 8:45 am

Moderaptor
The Hornet (GT200, aka Love Bug) and 'Dimples' - a GTS 300
Joined: 26 Aug 2007
Posts: 40904
Location: Pleasant Hill, CA
 
Moderaptor
The Hornet (GT200, aka Love Bug) and 'Dimples' - a GTS 300
Joined: 26 Aug 2007
Posts: 40904
Location: Pleasant Hill, CA
Wed Apr 27, 2022 8:45 am linkquote
See here: https://www.askthe.police.uk/faq/?id=d154c6e8-0b7a-ec11-8d21-6045bd0f2a10

So if it's an LT (wider spacing on front wheels) then it's a trike. If it's an older one (RT etc) then it's a motorcycle.
Quote:
The licence you need to ride a Piaggio MP3 will depend on the power output and the spacing of the front wheels.

If the vehicle is classed as a motorcycle you'll need the appropriate category for its power output:

A1- Light motorcycle up to 11 kW (and a power-to-weight ratio of no more than 0.1 kW per kg) and 125 cc. The minimum age is 17.
A2- Standard motorcycle up to 35 kW (and a power-to-weight ratio of no more than 0.2 kW per kg) bike must not be derived from vehicle more than twice its power. The minimum age is 19.
A- Unrestricted motorcycles in power/size, with or without a sidecar. The minimum age is 21.
If the vehicle is classed as a tricycle, you can drive a motor tricycle of any power rating if you are over 21 and have a full car driving licence. If not, you will need a full category A1 motorbike licence to ride motor tricycles up to a power output 15 kW , and a full category A motorbike licence to ride trikes with a power output of more than 15 kW .
Wed Apr 27, 2022 10:07 am

Addicted
2015 MP3 500 ie Business
Joined: 29 Oct 2019
Posts: 707
Location: Belgium
 
Addicted
2015 MP3 500 ie Business
Joined: 29 Oct 2019
Posts: 707
Location: Belgium
Wed Apr 27, 2022 10:07 am linkquote
I'm paying about 290 Euro per year for full comprehensive.

Ironically, the Honda ST1300 comes in at 140Euro per year with same comprehensive. Half the cost for a bike with 3 times the power, about 3 times the displacement and 4 times as many pistons

I have a multicar policy (2 bikes, 2 cars), no claims, no accidents
Wed Apr 27, 2022 10:11 am

Member
Fes125
Joined: 27 Apr 2022
Posts: 5
Location: London
 
Member
Fes125
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Location: London
Wed Apr 27, 2022 10:11 am linkquote
jimc wrote:
See here: https://www.askthe.police.uk/faq/?id=d154c6e8-0b7a-ec11-8d21-6045bd0f2a10

So if it's an LT (wider spacing on front wheels) then it's a trike. If it's an older one (RT etc) then it's a motorcycle.
Doesn't really answer my question but it is a lt version
Wed Apr 27, 2022 10:12 am

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Fes125
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Posts: 5
Location: London
 
Member
Fes125
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Wed Apr 27, 2022 10:12 am linkquote
sbaert wrote:
I'm paying about 290 Euro per year for full comprehensive.

Ironically, the Honda ST1300 comes in at 140Euro per year with same comprehensive. Half the cost for a bike with 3 times the power, about 3 times the displacement and 4 times as many pistons

I have a multicar policy (2 bikes, 2 cars), no claims, no accidents
Doesn't really answer my question
Wed Apr 27, 2022 10:17 am

Addicted
2015 MP3 500 ie Business
Joined: 29 Oct 2019
Posts: 707
Location: Belgium
 
Addicted
2015 MP3 500 ie Business
Joined: 29 Oct 2019
Posts: 707
Location: Belgium
Wed Apr 27, 2022 10:17 am linkquote
Not sure what CBT is. Must be a UK thing of some sorts.

When I got the MP3 I i sured with just a conventional car license (class B), although there is a loophole in the EU that allows owners of certain trikes like the MP3 to get a full class A license at no cost. No courses, no exams. Just a small fee to update and reissue your license.

The update was required to allow traveling 2up outside my home country
Wed Apr 27, 2022 12:45 pm

Member
Piaggio MP3 300 HPE
Joined: 22 Aug 2020
Posts: 49
Location: Croydon
 
Member
Piaggio MP3 300 HPE
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Posts: 49
Location: Croydon
Wed Apr 27, 2022 12:45 pm linkquote
I got a quote on Confused.com saying full license, then called round those identified to clarify that it was in fact a car license and I only had the CBT. Bemoto quoted me (insurer is Axa) over £400 and this was the most competitive. Quote on confused was around £250 with a full license (from memory)
Wed Apr 27, 2022 1:20 pm

Moderaptor
The Hornet (GT200, aka Love Bug) and 'Dimples' - a GTS 300
Joined: 26 Aug 2007
Posts: 40904
Location: Pleasant Hill, CA
 
Moderaptor
The Hornet (GT200, aka Love Bug) and 'Dimples' - a GTS 300
Joined: 26 Aug 2007
Posts: 40904
Location: Pleasant Hill, CA
Wed Apr 27, 2022 1:20 pm linkquote
Bazzaboy09 wrote:
Doesn't really answer my question but it is a lt version
Yes it does. You only need a car licence for the LT version. It's legally a trike. That's *WHY* Piaggio widened the front wheel spacing. All of a sudden they sold ten times as many in France.

Forget about the provisional m/c licence. Do not quote it.

You can try to use your n/c bonus, but it may not apply to a trike.
Thu Apr 28, 2022 6:43 am

Member
MP3
Joined: 16 Aug 2021
Posts: 9
Location: Co Durham
 
Member
MP3
Joined: 16 Aug 2021
Posts: 9
Location: Co Durham
Thu Apr 28, 2022 6:43 am linkquote
Bazzaboy09 wrote:
When getting insurance for a mp3. Do you put provisional licence or full car licence in and do you put your full car no claims bonus in I haven't got a full motorcycle licence but I've done the CBT for the past 4 years. When I put a quote in with provisional it's quoting me £1200.

Look forward to your replies
I've a full car and bike licence and it's a trike.
I insure it on my car insurance one year, and my bikes the next.
Helps keep my ncb up to date!
Thu Apr 28, 2022 11:25 am

Addicted
2015 MP3 500 ie Business
Joined: 29 Oct 2019
Posts: 707
Location: Belgium
 
Addicted
2015 MP3 500 ie Business
Joined: 29 Oct 2019
Posts: 707
Location: Belgium
Thu Apr 28, 2022 11:25 am linkquote
Anybody care to explain what all these acronyms mean such as NCB, CBT, etc.?
Thu Apr 28, 2022 11:40 am

Molto Verboso
GTS 300ie Touring 2013 - Signora D'argento & GTS 300ie HPE 2022 - Regina Arancione.
Joined: 03 Jun 2018
Posts: 1486
Location: Lancaster, U.K.
 
Molto Verboso
GTS 300ie Touring 2013 - Signora D'argento & GTS 300ie HPE 2022 - Regina Arancione.
Joined: 03 Jun 2018
Posts: 1486
Location: Lancaster, U.K.
Thu Apr 28, 2022 11:40 am linkquote
sbaert wrote:
Anybody care to explain what all these acronyms mean such as NCB, CBT, etc.?
NCB ~ No Claims Bonus aka No Claims Discount, offered by insurance companies.

CBT ~ Compulsory Basic Training (required before you can ride a motorcycle/scooter).
Fri Apr 29, 2022 10:57 am

Ossessionato
Gilera Fuoco 500ie
Joined: 11 Oct 2009
Posts: 4376
Location: Netherlands Olst
 
Ossessionato
Gilera Fuoco 500ie
Joined: 11 Oct 2009
Posts: 4376
Location: Netherlands Olst
Fri Apr 29, 2022 10:57 am linkquote
it also depend on the year your Car license is did you get it before 19 jan 2013 is a car good enough past 2013 you need a A1 35 kw
Fri Apr 29, 2022 11:29 am

Member
Fes125
Joined: 27 Apr 2022
Posts: 5
Location: London
 
Member
Fes125
Joined: 27 Apr 2022
Posts: 5
Location: London
Fri Apr 29, 2022 11:29 am linkquote
I got my licence in 1994
Maksor wrote:
it also depend on the year your Car license is did you get it before 19 jan 2013 is a car good enough past 2013 you need a A1 35 kw
Fri Apr 29, 2022 11:57 am

Ossessionato
1991 Vespa T5 Pole Position, 2008 Vespa S 125, 2013 Peugeot Metropolis RS
Joined: 06 May 2011
Posts: 3809
Location: Staffordshire England
 
Ossessionato
1991 Vespa T5 Pole Position, 2008 Vespa S 125, 2013 Peugeot Metropolis RS
Joined: 06 May 2011
Posts: 3809
Location: Staffordshire England
Fri Apr 29, 2022 11:57 am linkquote
My mate's got an MP3 500 and a Fuoco, both trikes ( no bike licence). He had to insure it as a trike (not a bike or a car) and went to Adrian Flux Insurance for the trike policy.

I insure my trike as a bike but I've got a full bike licence.
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