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In addition, our website is packed with helpful tips on everything from how to prepare your scooter before you ride a moped or scooter, to proper safety techniques, to what you can expect when registering your moped or motorcycle after purchasing it.
Why Do You Need Moped Insurance?
Moped or Scooter insurance policies are a legal requirement before you can legally ride a moped and scooter on the road in the UK. Mopeds tend to be dangerous if not operated safely, and if you are involved in an accident, you will likely need insurance to cover damages.
Moped accidents can also be costly. If you injure someone else or damage their property, you could be held liable for the damages. Moped and scooter insurance policies along with motorbike insurance can help protect you from these costs.
Additionally, a policy can provide coverage if your moped or scooter is stolen or damaged. This can help you get your two wheels back on the public UK roads quickly and without a lot of expense. If you ride a moped or scooter, it is essential to have specialist insurance policies that will protect you in the event of an accident. At Scoot Scoot, we can help you find the right policy for your needs and budget. We work with some of the biggest names in the insurance industry, so you can be sure of getting good quality cover at a competitive price. Contact us now for a scooter policy.
Moped Insurance is essential
It is illegal to drive without moped and scooter insurance. Your vehicle must be insured to help protect yourself and other drivers and riders. Even young riders and learner riders need specialist insurance. You must apply for an Off-Road Notification if you do not wish to insure your vehicle. If your vehicle is kept off-road, you must declare an Off-Road Notification; otherwise, you can receive a fixed penalty fine that can reach as high as £1,000. You must always rember protective clothing and l plates and having a motorycle licence.
You will need to have a minimum of Third-Party Insurance moped insurance cover if you wish to ride a moped legally. A failure to have insurance cover can lead to penalty fines of £300 and above and points on your provisional scooter licence. Also, compulsory basic training cbt, moped test or motorcycle test is essential on top of your provisional scooter licence to ride mopeds and scooters. A moped or motorcycle test is the equivelant to your driving test for a car licence. If you don’t have compulsory basic training cbt contact your nearest centre for a moped or motorcycle test. Taking a CBT course can usually be completed in a day and require theory and practical tests. Remember l plates are needed for a moped or scooter even after having a full motorcycle licence before taking on public roads.
What Kind of Coverage Does Moped Insurance Provide?
A Moped Insurance or Scooter Insurance policy provides limited coverage and is usually less expensive than motorcycle insurance. Moped Insurance typically includes liability, collision, and fully comprehensive cover insurance.
Liability coverage pays for damages your moped or scooter may cause in an accident. It also pays for any injuries or property damage you may cause to others.
Third Party Insurance
It is the most basic level of insurance, covering legal costs and compensation for any third party in an incident. This is the cheapest option for moped insurance. This basic level of third party cover will not cover your repair costs and injury costs.
Third Party Fire and Theft Insurance
This form of insurance called Third Party Fire and Theft, provides the same depth of cover as Third Party insurance offer cover for your moped or scooter if it is lost, stolen, or damaged via a fire. Accidental damage is not covered by Third Party Fire And Theft.
Fully Comprehensive Insurance
Fully Comprehensive is the most thorough scooter and moped insurance policy. It offers more cover then Party Fire And Theft Insurance. It offers cover for accidental damage to your moped resulting from other incidents, such as theft, vandalism, or a natural disaster. This coverage with scooter insurance policies and motorcycle insurance protects you if you are injured by another driver who does not have enough insurance to pay for accidential damage.
How much Is Moped Insurance?
Scooter or moped insurance cost varies depending on your state, the make and model of your moped, and your driving history. However, it's typically much less expensive than motorbike insurance.
Typically, a scooter insurance quote or bike insurance quote can be over £300 per year for a 50cc moped. However, your driving experience and age will play a role in determining your policy premiums. Learner riders and young riders swill usually pay more, and learner riders and young riders with little driving or experienced riders will still pay more. You will always need l plates in your first year of riding scooters and mopeds.
The price of your scooter insurance or motorbike insurance is determined by how much risk you are determined to be for the insurance company. This is why specialist insurance comparison sites are so meaningful, as you can get a fairer insurance premium by researching your options. If you are high risk your insurance premiuim will be more than usual than someone who is not higher risk. You may have no claims discount, a no claims discount can help reduce your policy cost aming it generally cheaper. Advanced training may also reduce the cost of your moped insurance. Also if you have a full licence that may also reduce your policy cost. It is important to choose the right policy for your requirements.
How Can I Get Moped Insurance?
A Scooter and moped insurance policy is something that all bikers should consider before they set out on their next journey. At Scoot Scoot, we work with some of the biggest names in the bike insurance industry to bring you the right cover at a competitive price.
You’ll have access to the leading insurance providers of motor insurance in the UK. That means you can get a quick, independent quote to insure your scooter or moped in next to no time. Simply complete the online form with your number plate, giving a few personal details and some information about the scooter you want to insure, and based on the information you provide, you’ll be presented with a range of bike insurance quotes to choose from.
At Scoot Scoot, we are uk based and we like to keep things simple, so we make it as straightforward as possible for you to find the best quote from UK insurers. We’ve done all the hard work for you, so you don’t have to spend time contacting numerous providers yourself, filling in long and detailed forms every time, and then waiting to get a reply.
Simply enter your details once on our online form including your number plate and in a matter of minutes, you’ll be able to compare bike insurance from all the leading providers in the UK. Thousands of customers have saved themselves both time and money by using Scoot Scoot.
What Vehicles Do We Cover?
These small, affordable 50cc mopeds can be ridden by people of all ages from the age of 16. They have a smaller engine size of 50cc compared with 125cc and a top speed of around 28 MPH! Young riders will find these smaller engines bikes perfect for their first time on one because there's not much speed difference between compared to larger machines. Remember you will need l plates.
Electric scooter licenses work in the same way as their respective counterparts, though 16-year-olds are legally allowed to ride a moped at a top speed of around 28mph with l plates while larger electric versions require compulsory basic traning CBT or bike license, provisional licence and l plates.
Maxi scooters and mopeds are great for longer journeys and tours. Usually they have an engine size of 125cc or 50cc. You will need an A2 or higher motorcycle licence to ride a moped these larger-capacity vehicles, but it’s worth the extra charge!
125cc Mopeds are perfect for those who are more expereinced riders who want to commute in the city and take on a little bit of adventure. These larger framed motorcycles can be ridden by anyone after passing their compulsory basic training CBT/ motorcycle theory with an A1 scooter licence as well! An engine size of 125cc are powerful engines that can reach top speed of around 50mph.
If you're looking for classic scooter and moped insurance quote, we've got what your heart desires. Irrespective of the engine size or whether your scooter has a step through frame or no step through frame, our policies include benefits like agreed value and spare parts cover. Often with classic scooters and mopeds spare parts are essential in the repair and are hard to find. Spare parts cover for classic scooter puts your mind at ease.
What Do I Need To Get Moped Insurance?
If you intend to take our scooter and moped insurance quote or undergo a search on comparison sites, then you will need to provide some key details such as:
- Your personal details, such as your age, address and employment history.
- The make and the model of your scooter or moped.
- The year that it was manufactured and the year it was bought.
- The cost of the vehicle and the cost of any modifications/additions.
- The length of time that you have had your riding license.
- Any previous claims or history of convictions that are on your record. Generally they ask for the period in the last five years.
- Details of your motorcycle licence / full licence or provisional licence.
- Do you have any claims bonus – can help reduce your scooter insurance price.
- You will need to know any convictions details. You need to be honest with any convictions details as this will affect the price of your policy and claim you may make.
- You will need the agreed value of your moped. This is used if you make a claim the agreed value needs to be correct.
- You will need to supply your annual mileage. The average annual mileage is around 10,000 mile per year. If you go on longer journeys you will need to account for this.
With this information, you can then be given a more accurate quote regarding your potential policy costs.
Moped Insurance Extras
You might also wish to have extra peace of mind, and you can get that with scooter insurance policies with extra coverage. Some of the most common extra policies include solutions like breakdown cover. If you add breakdown cover to your policy you can avoid being stranded in the event of your moped not working. Breakdown cover is especially useful if you go on longer journeys. Often there is an option in your scooter insurance quote when checking out for breakdown cover. This will effect th total scooter insurance cost.
You may also need leathers insurance. This will cover your protective clothing if you have an accident. Leathers insurance is an added extra that will give you peace of mind. Leathers insurance is available on most policies.
You can also get other support for your long-term health, such as personal accident cover and legal expense coverage. Other services include the key cover and wrong fuel cover, which can help you with lost keys or using the wrong type of fuel in your moped.
If you own more than one vehicle, you might want multi-bike insurance policy. If you intend to carry passengers, then you will be legally required to get pillion cover insurance to carry passengers.
Making modifications to your scooter or moped? Then you need modification-friendly insurance. Without proper coverage, any modifications made will not be fully covered in the pice of your policy, and they could even void your insurance without being declared.
Lastly, you may also wish to investigate European cover if you intend to ride your moped across the continent. Having an Insurance policy for a moped and scooter can be adjusted to fit your own personal needs, so be sure to look at all extra policy options when taking out scooter insurance.
What's The Difference Between A Moped And A Scooter?
The terms scooter and moped are often used in replacement for one another. Despite the similarities, a moped and a scooter are two different entities. Typically, they are defined by engine sizes.
A moped is a common term used for a two-wheel vehicle with an engine size of up to 50cc. In terms of speed, this maxes out at around 25mph. Scooters and mopeds can reach as high as 150cc in engine sizes, meaning they can hit much larger speeds overall.
When looking at an insurance policy for a moped or scooter, you need to know what engine sizes you have. The power of your vehicle determines a lot about your moped or scooter policy. Today, government figures estimate that over 300,000 mopeds and scooters are on the public UK roads.
Frequently Asked Questions
Your first insurance claim will always be relatively costly, so keep that in mind. You can reduce your year-to-year insurance costs by achieving no claims, increasing your voluntary excess rate, and showing proof that your vehicle is parked in a safe, private parking location.
You can even fit security devices, as many providers will offer this in exchange for a discount. The choice is yours personally.
It certainly can help, yes. Your driving experience plays a major role in how you are viewed by any potential insurance provider. Your first years will always be the most expensive, but your insurance costs should come down as you build no-claims history.
If you get a full license, ranging from your AM license (maximum speed of 28mph, must ride with L plates) to your A1 license (125cc maximum, can drive without L plates) or an A2 license (Aged 19 and above, provides up to 395cc engine power), then your insurance costs can naturally change.
So long as you invest in what is known as Fully Comprehensive insurance, you should be able to get a replacement in the event of a write-off. This, though, comes down to the insurance policy that you take, so be sure to look at the policy on providing replacements in the event of severe damage.
So long as your scooter is less than six months old, you can be offered a full replacement. However, this is dependent on the policy provider, so make sure you fully understand what you have agreed to beforehand.
Definitely. If you have a no claims bonus, you will find that you get a discount over time. Once you prove that you are not going to be a regular claimant, insurance companies will be happy to give you a more reasonable cost for insurance.
The longer you can avoid making a claim, the more likely your insurance will come down in price. As a no claims history, keeping that in mind can make scooter and moped ownership even more affordable.
For more information on moped insurance, please visit our website or call us. We would be happy to answer any questions you have. Thanks for choosing Scoot Scoot!