Insurance for a mp3
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Bazzaboy09
Wed, 27 Apr 2022 15:26:26 +0000
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Bazzaboy09
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Wed, 27 Apr 2022 15:26:26 +0000 quote
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
Touring300
Wed, 27 Apr 2022 15:40:09 +0000
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Wed, 27 Apr 2022 15:40:09 +0000 quote
This should help you...

https://www.motorcyclenews.com/news/first-rides-tests/2009/june/jun1009-scooter-law-says-is-a-car/
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Bazzaboy09
Wed, 27 Apr 2022 15:45:24 +0000
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Wed, 27 Apr 2022 15:45:24 +0000 quote
Touring300 wrote:
This should help you...

https://www.motorcyclenews.com/news/first-rides-tests/2009/june/jun1009-scooter-law-says-is-a-car/
Unfortunately doesn't answer my question but thanks anyway
jimc
Wed, 27 Apr 2022 16:45:13 +0000
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Wed, 27 Apr 2022 16:45:13 +0000 quote
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 .
sbaert
Wed, 27 Apr 2022 18:07:50 +0000
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sbaert
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Wed, 27 Apr 2022 18:07:50 +0000 quote
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
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Bazzaboy09
Wed, 27 Apr 2022 18:11:31 +0000
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Wed, 27 Apr 2022 18:11:31 +0000 quote
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
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Bazzaboy09
Wed, 27 Apr 2022 18:12:26 +0000
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Wed, 27 Apr 2022 18:12:26 +0000 quote
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
sbaert
Wed, 27 Apr 2022 18:17:38 +0000
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Wed, 27 Apr 2022 18:17:38 +0000 quote
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
imadequavers
Wed, 27 Apr 2022 20:45:33 +0000
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Wed, 27 Apr 2022 20:45:33 +0000 quote
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)
jimc
Wed, 27 Apr 2022 21:20:08 +0000
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Wed, 27 Apr 2022 21:20:08 +0000 quote
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.
Tedex
Thu, 28 Apr 2022 14:43:03 +0000
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Thu, 28 Apr 2022 14:43:03 +0000 quote
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!
sbaert
Thu, 28 Apr 2022 19:25:06 +0000
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Thu, 28 Apr 2022 19:25:06 +0000 quote
Anybody care to explain what all these acronyms mean such as NCB, CBT, etc.?
Touring300
Thu, 28 Apr 2022 19:40:07 +0000
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Touring300
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Thu, 28 Apr 2022 19:40:07 +0000 quote
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).
Maksor
Fri, 29 Apr 2022 18:57:15 +0000
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Fri, 29 Apr 2022 18:57:15 +0000 quote
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
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Bazzaboy09
Fri, 29 Apr 2022 19:29:04 +0000
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Fri, 29 Apr 2022 19:29:04 +0000 quote
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
fleece
Fri, 29 Apr 2022 19:57:19 +0000
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Fri, 29 Apr 2022 19:57:19 +0000 quote
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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Maalsa
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Thu, 20 Apr 2023 19:14:20 +0000 quote
sbaert wrote:
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
Which country required full class A to travel 2 up on the MP3?
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