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What is scooter and moped insurance?
Need moped insurance? You must get the right cover for your vehicle before taking to the open roads.
We're a leading website for moped insurance comparison that sources competitive insurance offers. We specialise in finding the best quote for you. All you need to do is complete our short online form. We do the rest.
We'll grab you the best deals from the best moped insurance quotes. Then you choose the cover that's right for you and your vehicle directly through our website. Fill in our form and get your quote today.
Riding a scooter or moped is an efficient and cost-effective way for people to get around. Finding a low-cost insurance package that fits the bill is vital. Mopeds and scooters are small motorbikes that legally need insurance before taking them out on the road. As mopeds and scooters have smaller engines than cars and larger motorbikes, they are cheaper to insure - making them a more affordable option for people to travel.
How does it work?
Fill in our online insurance form once, providing your details and moped type. After submitting your insurance application, we will source insurance packages based on this information. In minutes, we'll send a range of moped insurance quotes.
What's the difference between a moped and a scooter?
Generally, the main difference between mopeds and scooters is the size of the engine. Mopeds are typically 50cc or less and reach speeds of 25mph. While scooters are between 50cc and 150cc, making them much faster at their top end of 50 mph. Scooters also have smaller wheels than mopeds, but they have a combination of automatic and manual transmissions.
What do I need to legally ride a moped or scooter?
To ride a moped or scooter in the UK, you need to hold a full car driving licence or a provisional licence and must be at least 16-years-old.
Before heading onto the road, you must first complete the Compulsory Basic Training (CBT). The CBT is a course that provides basic training for riding mopeds on public roads. You can ride a moped with L-plates for up to 2 years before passing for your full licence.
Mopeds or scooters must be insured and taxed before legally going on the road. Penalties for not having the correct tax and insurance will be very costly.
Do I need insurance for a moped and scooter?
By law, to ride a moped, you're required to have at minimum third-party insurance. Without insurance, you could face fines of £300 or more, six penalty points on your licence, and even a criminal conviction. The moped or scooter can also be taken away and destroyed.
You only need to insure your moped or scooter if you use it. However, this requires you to apply for a Statutory Off Road Notification (SORN) to declare the vehicle is not on the roads. If not, a hefty fine might come your way - a fixed penalty fine of £100 or, if you go to court, a fine of up to £1,000.
What type of insurance do I need?
You must know the level of cover you need before taking our insurance. You will need at least a provisional licence, L-plates and have undergone the Compulsory Basic Training. You can get insurance to ride scooters and mopeds on the road while riding as a learner.
How do you get moped or scooter insurance?
Motorbike insurance covers both moped and scooter insurance too. You need to know what type of insurance you need for your vehicle and the best value for money. Compare quotes and get the right cover today through our quick online form.
What's the difference between moped and scooter insurance?
In general, mopeds are cheaper to insure than scooters since they have a smaller engine and a slower top speed - meaning mopeds and scooters are less of a risk on the road. Insurance providers see the lower risk and lower the insurance costs. This makes insurance more affordable for a moped over a scooter. However, both are lower than vehicles with larger engines, such as cars and larger motorbikes.
How much does moped and scooter insurance cost?
Many factors come into play when looking at the cost of moped insurance. The average price of moped insurance in the UK is around £200-£300 per year.
Levels of moped and scooter insurance
Whichever level policy you choose will impact the cover and protection you get. A general rule of thumb, the higher the cost, the better the cover for your vehicle.
Third-party only: This is basic insurance cover and the minimum legal requirement for riding on UK roads. Third-party only policies cover any injury or damage. It does not cover vehicle damage from an accident. Although a cheaper option initially, if the moped faces damage and requires repairs, it's an extra cost long-term.
Third-party, fire and theft: This policy will cover everything under Third-party only with the addition of fire damage or vehicle theft. A lot of riders consider TPFT minimum level cover as motorcycle theft is a high risk in the UK.
Comprehensive: Fully Comprehensive insurance policies provide complete cover. It provides the same benefits as Third-party only and TPFT but also covers any repairs or replacement costs. Even if an accident is your fault, the policy covers it.
Can I carry a passenger?
To carry a passenger on your moped or scooter, you'll need pillion cover which can be included in your insurance quote. You're only eligible to get pillion if you have a full licence and pass your final moped or scooter tests.
What do I need to provide to get a quote?
To get an insurance quote, you need to provide us with some details, including:
- Your number plate
- Your name, age, address, employment details
- Make and model of moped or scooter
- Details of any claims or convictions
- Whether you've had any accidents in the last few years
- Value of your bike
You'll also need to let your insurance provider know whether you've passed your Compulsory Basic Training (CBT) and whether you hold a full or provisional licence.
We love mopeds! But we also love finding the best deals for our customers. We compare moped insurance costs on the market across a variety of policy providers - so that you get the best insurance deal for you, with the best value. Get started with our online form today, and we'll do the rest. Sit back, relax and let us bring back the right deal for you.