My thanks go to Gus Craig (New Zealand) for sending in this photo that he found in a family album. Gus writes;
Please find enclosed photo of a three wheeler, I am not going to say it is a Singer as it could as you say be a Riley. The handle bar steering and aircooled
motor may give someone a clue as these two items appear to define the year. The photo was taken in New Zealand about 1900 or later ... The young lady is the Mother of a friend of mine who is 82 years old.
If anyone can identify this 3-wheeler, please let me know.