What is Tricycle (Keke Napepe) insurance coverage?

What is the Tricycle insurance coverage?

Generally, tricycles are built from ordinary motorcycles using conversion kits. A tricycle is typically defined as (1) a three-wheel land motor vehicle with wheels in tandem (including an attached designed car shape) with one wheel in front and two in the back, or the opposite sometimes referred to as a “reverse trike.”  that is designed primarily for use on public roads.

Even though they have three wheels, however, tricycles are still treated as motorcycles by the National Highway Traffic Safety Administration (NHTSA), a Federal authority responsible for motor vehicle safety.

The National Highway Traffic Safety Administration considers any motor vehicle with a seat or saddle and no more than three wheels to be a motorcycle. As a result, insurers generally issue motorcycle insurance covering three-wheeled motorcycles and converted trikes. In most countries of the world, the tricycle is one of their major means of moving both goods and passengers from one location to another.

However, the need for tricycle insurance arises following the high rate of accidents leading to bodily injuries, and property damages faced by many tricycle drivers, this alone awakens the desire to seek any form of protection to assist them in the event of an unexpected loss.

Although tricycles can also be added to the personal auto policy (PAP), coverage gaps can result. Several insurers have developed this insurance for tricycle owners, which reduces or eliminates these gaps. Some insurers also have special policies for off-road cycles.

Choosing the right insurance policy is much like choosing the right tricycle. You want it to fit your needs and lifestyle—and to be within your budget.

The below video will help you understand some documents needed to start a tricycle insurance


Other related types of coverage Offered in Tricycle insurance

a.  Collision coverage: This may help to protect the covered vehicle in the event that it’s damaged in a collision with a vehicle or object while in operation

b. Comprehensive coverage: It may help protect the three-wheeled vehicle (tricycle) against risks such as fire and theft

c. Uninsured/underinsured motorist coverage, which may help provide protection if you’re hit by another driver who is uninsured or whose coverage limits won’t cover the damages. This type of coverage may help pay for your resulting medical expenses, damage to your vehicle, or both.

d. Coverage for customized motorcycle parts. Many comprehensive and collision policies will only cover the factory standard parts on your motorcycle, or they will limit the coverage. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers, or sidecars, check with your insurer to understand the limits of coverage.

 e. Liability insurance: covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn’t cover injury to you or damage to your motorcycle.

Guest Passenger Liability, which provides protection in the event that a passenger is injured on your motorcycle, may also be available to you, depending on state laws and the company issuing your policy.

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Factors that affect your Tricycle insurance costs

i. Your age, your driving record, and where you live

ii. Type or style of bike you ride—for example, sport bike, cruiser, or custom motorcycle

iii. Age of the motorcycle

iv. Number of miles you ride a year

v. Where you store your bike

vi. Level of maintenance ( how often do you change the oil from the engine)

How Much do I Need to purchase Tricycle Insurance?

There are several factors that determine the cost of a tricycle policy. These include your age, the kind of tricycle you ride, and the types of coverages you choose. If you’re concerned about pricing, there are a number of ways to save on your premiums.

You may receive a break for insuring multiple bikes or bundling your tricycle policy with other insurance policies. However, tricycle cover has been reduced in such a way an ordinary person can easily purchase them. Though your income level determines the type of cover you will purchase.

What will happen to my passenger if an accident occurs with my Insured tricycle?

In most states, passengers riding your tricycle are covered by your policy. However, since this coverage isn’t nationwide, it’s best to talk with your insurance agent to see which applies to you.

Als some policies as well cover passengers’ medical bills and their property. it is very important you ascertain what is applied cover you want to buy.

The time frame for getting a tricycle claim

There are a variety of factors that may affect how long it takes to resolve your claim. In most countries claims teams are made up of experienced professionals who always do their best to get your claim resolved quickly and efficiently.

To help the claim process go more smoothly, be sure to provide your insurance company with all the information you can about the incident at the appropriate time not less than two to three weeks from the date the incident took place.

Will I be mandated to pay for damage if the incident was caused by another motorist?

Provided the incident was not caused by you definitely you not be forced to pay for the damage. However, you may be able to recover damages, including your share of the deductible, from the person responsible for the accident. your insurance company will try to help with this if the claim investigation finds the other person was at fault.

In Nigeria according to Adedapo Adesanya

According to the underwriter, riders of the popular tricycle known as Keke can now pay as low as N2,600 to get personal accident cover.

KEKE PASS plan was uniquely designed to provide cover for personal accidents to the insured rider. This policy also will be sold as an individual policy and as a group scheme to the riders.

The plan is a compensation plan for riders in case of an accident. The premium amount to pay depends on the type of plan they opt for.

It comes in four different plans which are: Jeje Cover, which can be subscribed to with an N2,600 yearly premium and enables a rider to get paid up to N50,000 for Medical Expenses; N150,000 for Permanent Disability; N150,000 for Death N50,000 for Third Party Liability and N15,000 Repair assist (Owned damage).

Another plan is the Carry-Go Cover, which comes with an annual premium of N3,700 per annum and the rider is expected to get paid up to N75,000 for Medical Expenses, N200,000 for Permanent Disability; N200,000 for Death; N75,000 for Personal Liability and N20,000 RepairAssist (Owned damage).

The third package is the No-Shaking Cover, which is sold for N4,800 per annum and riders get N100,000 for Medical Expenses; N250,000 for Permanent Disability; N250,000 for Death; N100,000 for Personal Liability and N25,000 RepairAssist (Owned damage).

The last bouquet is the Confaam Cover, which attracts a payment of N6,000 per annum. The insured gets N100,000 for Medical Expenses; N250,000 for Permanent Disability; N250,000 for Death; N100,000 for Personal Liability; N25,000 RepairAssist (Owned damage); N60,000 for Passenger’s Medical Expenses (Limit per passenger N20,000).


A tricycle is a three-wheel motorcycle that has a car-like shape with one tire at the front and two tires at the back and which has the capacity to carry 3 passengers at a go.

A tricycle insurance coverage is an insurance cover designed to protect tricycle users against unexpected loss arising from accidents, fire outbreaks,s and many other factors that could cause the total breakdown of the machine.

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