Moped insurance
Every day moped riders use the independent Scoot Scoot comparison site to help track down a great moped insurance deal that won't cost them a fortune. We specialise in moped and scooter insurance ‐ nothing else ‐ and source the most competitive offers from across the market by comparing quotes from the top insurers operating in the UK today. To get a quick, impartial quote for moped insurance, you only have to complete our online form once, giving a few details about yourself and the type of moped you want to insure. Once your moped insurance application has been submitted, you won't have long to wait before you'll have a range of moped insurance quotes to choose from. We source insurance cover for all makes and models of moped, including well known brands such as Piaggio, Vespa, and Peugeot.
As the leading comparison site for scooter and moped insurance in the country, we've helped thousands of customers find the type of cover that is tailored to suit their exact needs. Why pay more than you have to for bloated moped insurance cover that you don't really need, and why spend hours filling out forms with different insurers, when we can do all the hard work on your behalf? Using Scoot Scoot, you can save both time and money by comparing moped insurance from all the leading providers. Each moped insurance policy will be based on the information you provide and designed to give you the right level of cover for your usage. Get started straight away, and you could be ready to ride ‐ fully insured - sooner than you thought possible!
Do you need moped insurance?
It's hard to think of a cheaper, more efficient way of getting around in a motorised vehicle than on a moped. Whether you opt for a 50cc or even a more powerful 125cc moped, the annual running costs are typically very low, especially compared to those of a car. Modern mopeds with four stroke engines are also kinder to the environment and will cost considerably less to tax and insure every year than other vehicles. You can ride a 50cc moped aged 16 as long as you display ‘L' plates, and a 125cc moped with certain restrictions, but regardless of your age or experience or the type of moped you plan to ride, the law requires you to be insured before you can use a moped on UK roads. No exceptions to this law apply and if you are caught riding a moped without insurance, you could face a hefty fine. In some instances, your moped may also be confiscated and you could even face criminal charges. As well as it being required by law, moped insurance will also help to keep you and other road users covered in the event of accidental damage or an accident. What is and isn't insured is determined by the type of policy you take out, the subject we're coming to next.
Moped insurance as an annual cost
Along with road tax and paying for regular maintenance of your moped, insurance is a cost that has to be budgeted for every year. Getting an accurate quote for insurance may help you to decide on the make and model of moped to buy, whether to choose a 50cc moped or pay a bit more for a 125cc model. Or perhaps you're already with an insurer and are looking around for a better deal. Using our site, you'll be able to compare moped insurance policies at a glance, not just in terms of the annual cost but what you're getting for your money as well so be sure to check if the policy includes extras such as insuring you against loss or damage to your helmet, and personal accident and breakdown cover. Remember, insurers will base their quote on the information you provide, so make sure all your details are always accurate and up to date.
Look out for special offers
Because we source and compare moped insurance from all the leading providers in the UK, you may be able to take advantage of some special offers. These include:
- * Reduced annual rate for riders with zero no claims bonus
- * Discounted rate for limited annual mileage riders
- * Rates for riders aged 35 and over
- * Special rates for multi rider cover
Use Scoot Scoot to find the best deal
We'll shop around on your behalf, comparing quotes from more than 40 providers to find you the best deals out there. Remember, you don't have to remain tied to your present insurer forever, when you could be saving money on your annual premium by switching to a better rate, while at the same time taking any benefits you've accrued with you.
Think before you claim
Those zero claims bonuses can add up to considerable savings on your annual premium, so think carefully before making a claim, especially if the damage to your moped is only minor. It might be better to pay for a small repair out of your own pocket rather than losing your no claims' record and the chance of a great discount on a future premium.
Modifications to your moped
The insurance on a moped that has been modified is likely to cost more because of the higher replacement/repair costs and may not be covered in any case. Stick to a standard moped and you won't be out of pocket if you do have to make a claim.
More than one rider?
Some moped insurance providers offer special rates for multi-rider insurance although if the other named rider has motoring convictions for instance, the extra discount may not apply. If having a multi-rider policy is important, choose your named rider with care to be able to take advantage of any special deals. Insurance for a solo rider will be cheaper, but remember that you won't be covered for carrying a passenger.
We love mopeds!
Here at Scoot Scoot, we love riding our mopeds and we also get a buzz out of finding great deals for our customers by comparing insurance premiums across the market. And because we're not tied to any one provider, you're assured of totally impartial insurance quotes every time. Get started today and let us help you to find a fantastic moped insurance deal!
What kind of policy is right for you?
There are three main types of moped insurance, each one offering a different level of cover. As tempting as it may be to simply opt for the cheapest type of moped insurance policy, it's far better to be guided in your choice by where and when you're planning to ride your moped and whether you'll be using it every day, or only for occasional rides. The three most common insurance policies are as follows:
- *Third party moped insurance: this is the most basic level of cover and is also the minimum type of insurance that is permitted under present UK law. With this policy, you'll be covered for the damage to a third party, including their vehicle and property, but you will not be insured against any loss or damage you suffer in the event of an accident. Third party only insurance is the cheapest option, but it's important to note that you'll have to pay for repairs to your moped out of your own pocket; if the damage is severe, you could face having to replace the vehicle altogether.
- *Third party fire and theft: this type of policy provides the same level of cover as above with some added benefits, including insuring you against costs if your moped is damaged in a fire, or is stolen. Some restrictions may apply, and not all providers offer exactly the same terms.
- *Comprehensive moped insurance: on top of what is insured under the previous two policies, a comprehensive policy will cover you for damages to your own moped and any injuries you suffer as a result of an accident. Comprehensive is the most expensive type of insurance, but it's the one that means you're covered for virtually all eventualities. This makes it a popular choice with moped riders who want complete peace of mind and want to avoid being seriously out of pocket if their bike is badly damaged in a crash.
Name your moped, get your quote
We've streamlined our application process to make requesting a quote as straightforward and quick as possible. You can apply online and will receive an instant quote to insure your moped, whether it's one of the classic Vespa, Piaggo or Peugeot mopeds, or your first ever twist-and-go 50cc model. You'll be asked to enter some personal details about yourself and where you live, some information about the named rider and any additional riders, and a few details about the moped you want to insure. This is where you create a policy that reflects your actual usage so make sure you answer all the questions accurately and honestly as any misleading or wrong information could lead to a claim being invalidated in future.
How to reduce the annual cost of moped insurance
When it comes to working out your annual premium, providers consider a range of factors, such as how old you are, your occupation, how often you use the moped and what for, and also where you live. There's not much you can do about your age and moving to an area with lower crime stats may not be an option, but there are ways to minimise the cost of your premium.
Choose the right moped
If you've always wanted to own and ride a classic model such as a Vespa, Piaggo or Peugeot, you can expect to pay a bit more to insure your moped, as any replacement and repair costs will be higher. If you need a low cost and efficient means of getting from A to B every day, an automatic 50cc moped may be the better ‐ and cheaper - option, as the insurance premium will be lower.
Limit your annual mileage
Providers look at your annual mileage when calculating your premium as statistically, the more miles you do, the greater the chances are that you'll make a claim in future. It's important to give an accurate estimate of your annual mileage, but you could get a discounted rate if you can manage to stay under a certain limit.
Commuter or weekend rider?
If you plan to only ride your moped occasionally your premium is likely to be lower than if you use it every day to get to and from work or college, so consider your usage carefully before answering this question.
Ride safely
Riding your moped with care and attention at all times will reduce the likelihood of you having to make a claim for damage in future but more importantly, it will help to keep you and other road users safe. If this is your first moped, take it easy at first and gradually you'll feel more confident on the road. Here are some more tips for safer riding:
- * Always wear a high vis jacket or something that will help you to be seen by other road users, especially if riding in traffic
- * Make sure the vehicle in front knows you're there by positioning yourself so you can be seen in the rear-view mirror
- * Keep enough distance from the vehicle ahead so you have to time to brake or take evasive action
- * Always check before making a move to the right or left, using both your mirrors and by glancing over your
shoulder
- * Remain alert to other road users and the road conditions and be ready to react in plenty of time
- * Watch your speed, and stay within a safe limit
Enhancing your riding skills is another way of becoming a safer rider and it could also save you some money on insurance. Some providers offer reduced premiums for riders with these kind of qualifications because riders with them are viewed as a lower risk. Check out organisations such as the Institute of Advanced Motoring, the British Motorcyclists Federation, and the Royal Society for the Prevention of Accidents, to see if they have any special courses.