Yes, you do. It's against the law to ride on UK roads without at least third-party insurance. This applies whether you're riding on a car licence or a motorcycle licence.

While you're not required to carry your insurance documents with you constantly, you must provide them to a police officer upon request - either on the spot or within 7 days by presenting them at a police station.

It's also advisable to keep your driving licence with you.

Yes. We provide insurance quotations for riders on car licences. The Piaggio MP3 is classified as a trike, which means it can be ridden on a full UK car licence provided you passed your test before 19 January 2013, or hold full car licence with category B1 entitlement.

This is one of the MP3's biggest advantages - allowing car drivers to experience powered two/three-wheeled transport without taking additional tests. However, finding insurance for car licence holders can be challenging, which is why we've developed specialist schemes for MP3 riders.

Many insurers aren't set up to handle three-wheelers, particularly when the rider holds a car licence rather than a motorcycle licence. The combination of:

• Different licensing rules (trike classification vs motorcycle)

• Unique vehicle characteristics (tilting three-wheeler)

• Smaller market compared to two-wheeled bikes

...means fewer insurers offer cover. As specialists in two and three-wheelers, however, we're able to accommodate MP3 riders on both car and motorcycle licences.

To get a quote, you'll need:

• Your MP3's registration number

• The model and engine size (e.g., MP3 300 HPE Sport, MP3 500)

• Your licence details (whether you hold a car licence or motorcycle licence - A1, A2 or full A)

• Your postcode

• Your date of birth

• Details of any previous claims, convictions or accidents in the last five years

• Your no claims bonus (if you have one)

• How you'll use your MP3 (social and commuting, business use, etc.)

• Your estimated annual mileage

Don't worry if you haven't got all the details to hand – request a callback and we can help you through the quote.

Yes. Immediate quote and cover is available for all Piaggio MP3 models, provided the risk falls within our underwriting appetite.

If your specific circumstances require additional review, we'll let you know during the quote process. Request a callback if you'd prefer to speak to someone directly.

There are a few things that can help bring down your premium:

• Fitting additional insurance-approved trackers to your MP3 can provide discounts. Keep it in a locked garage or secure premises overnight if possible. Please note that mechanical locks are a policy requirement.

• Your riding record makes a big difference. Accruing your no-claims bonus is the single most efficient way of building up discounts on your insurance quote. Try to avoid getting points on your licence or having accidents.

• When setting up your policy, you could choose a higher voluntary excess to lower your insurance premium. However, take care to guarantee you would still be able to afford the excess should a claim arise – and that the value of this excess does not exceed the value of your Piaggio MP3. Be realistic about your annual mileage, too – estimating too high will increase your premium.

Request a callback and we can talk through more ways to lower your premium.

MP3 insurance costs vary depending on the model and your circumstances. The three-wheeler design means different risk calculations compared to two-wheeled scooters.

Factors that affect your premium include:

• The specific MP3 model and engine size (125cc, 300cc, 400cc, or 500cc)

• Whether you're riding on a car licence or motorcycle licence

• Your age and experience

• Your location and storage arrangements

• How you use your MP3

• Your claims and driving history

Some riders find MP3 insurance comparable to equivalent-sized maxi scooters, while others (particularly car licence holders) may find limited options elsewhere. At Lexham, we assess each case individually to offer you competitive cover.

You need to tell us about any modifications, both when you're getting a quote and any time you make changes during your policy. That includes things like exhaust systems, performance upgrades, custom paintwork, or any aftermarket parts. If you're in doubt, ask us.

We'll look at each MP3 individually. Modifications will usually increase your premium, but we'll do what we can to find you competitive cover.

Most of our policies include European cover for up to 90 days a year, with a maximum of 30 days in one go.

Before you head off, check your policy documents to see which countries you're covered in, how many days you've got, and what level of cover applies when you're abroad, as it might be different to what you've got in the UK.

If you need to extend your cover or you're going somewhere that's not included, request a callback before you go, or manage your policy on the Lexham Insurance App or through the Lexham Portal on our website.

No, the security requirements are the same as for two-wheeled motorcycles and scooters. You'll need:

• A steering lock (standard on the MP3)

• Plus one of: a d-lock, disc lock, grip lock, or armoured chain

Fitting insurance-approved trackers to your MP3 can provide discounts. Storing your MP3 in a secure garage or premises overnight can also help reduce your premium.

Yes, through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You can view your documents, renew your policy, update your details, make changes to your cover, and even report claims. It's available 24/7.

Yes, we're based in Diss and Thetford. Having a UK-based team means you're speaking to people who understand UK roads, and we're around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year, serviced by Lancaster Gate Assistance.

Whether you've had an accident at 3am or need to make a claim on a Sunday, you can get through to someone straight away.

We've been insuring mopeds, scooters and motorcycles for over 25 years.

In that time, we've built expertise in small-capacity bikes, young and learner riders, urban commuters, and delivery riders. That experience means we understand what two-wheeler riders need.