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Compare cheap Moped Insurance quotes today with a click of a button. We offer the best moped insurance deals, by comparing our leading panel of insurance providers.

In addition, our website is packed with helpful tips on everything from how to prepare your scooter before a ride, 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 insurance is required before you can take your moped on the road in the UK. Mopeds can 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 or scooter insurance can help protect you from these costs.

Additionally, a moped or scooter policy can provide coverage if your moped is stolen or damaged. This can help you get back on the UK roads quickly and without a lot of expense.

If you ride a moped, it is essential to have insurance 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 further assistance.

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. 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 will need to have a minimum of Third Party Insurance if you wish to ride your scooter legally. A failure to have moped insurance cover can lead to penalty fines of £300 and above and points on your provisional licence. Also, compulsory basic training, moped or motorcycle test is essential.

What Kind of Coverage Does Moped Insurance Provide?

Moped and scooter insurance provides limited coverage and is usually less expensive than motorcycle insurance. Coverage typically includes liability, collision, and comprehensive insurance.

Liability coverage pays for damages your moped 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 form of insurance cover and covers legal costs and compensation for any third party in an incident. It will not cover your repair and injury costs.

Third-Party, Fire, and Theft Insurance

This form of insurance provides the same depth of cover as Third Party insurance but includes cover for your moped if it is lost, stolen, or damaged via a fire.

Comprehensive Insurance

Comprehensive insurance pays for damages to your moped resulting from other incidents, such as theft, vandalism, or a natural disaster.

Moped insurance does not provide as much coverage as motorcycle insurance. For example, it typically does not include uninsured or underinsured motorist coverage. This coverage protects you if you are injured by another driver who does not have enough insurance to pay for your damages.

Moped And Scooter Insurance Cost

The 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 moped can cost you over £300 per year for a 50cc moped. However, your driving experience and age will play a role in determining your insurance premiums. Younger riders will usually pay more, and younger riders with little driving or riding experience will still pay more.

Your insurance cost is determined by how much risk you are determined to be for the insurance company. This is why moped and scooter insurance comparisons are so meaningful, as you can get a fairer premium by researching your options. You can contact us for scooter or moped insurance along with details to get a quote.

How Can I Get Moped Insurance?

Moped and motorcycle insurance 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 insurance industry to bring you quality cover at a competitive price.

You’ll have access to the leading providers 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, 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 quotes to choose from.

At Scoot Scoot, we like to keep things simple, so we make it as straightforward as possible for you to find the best quote to insure your scooter. 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, and in a matter of minutes, you’ll be able to compare 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?

  1. 50 CC

These small, affordable 50cc mopeds can be ridden by people of all ages from the age of 16. They have an engine size that ranges between 50 and 80CCS with top speeds around 28 MPH! learner riders will find these bikes perfect for their first time on one too because there's not much speed difference between each pedal stroke compared to larger machines.

  1. Electric Scooters

Moped and scooter licenses work in the same way as their respective counterparts, though 16-year-olds are allowed to ride at 28mph with L plates while larger electric versions require a CBT or bike license.

  1. Maxi Scooters

Maxi scooters are great for longer journeys and tours. You will need an A2 or higher license to ride these larger-capacity vehicles, but it’s worth the extra charge!

  1. 125CC

125cc Mopeds are perfect for those 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 CBT/ motorcycle theory with an A1 licence as well!

  1. Classic Scooters

If you're looking for classic scooter insurance, we've got what your heart desires. Our policies include benefits like agreed value and spare parts cover- perfect if the need arises that one of these is damaged or lost!

What Do I Need To Receive Moped And Scooter Insurance?

If you intend to take our moped and scooter insurance or undergo a comparison, 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.

With this information, you can then be given a more accurate quote regarding your potential insurance costs.

Moped And Scooter Insurance Extras

You might also wish to have extra peace of mind, and you can get that with moped and scooter insurance extra coverage. Some of the most common extra policies include solutions like breakdown cover, meaning you can avoid being stranded in the event of a breakdown.

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 or scooter.

If you own more than one vehicle, you might want multi-bike moped and scooter insurance. If you intend to ride with a passenger, then you will be legally required to get pillion insurance to protect any passengers.

Making modifications to your scooter or moped? Then you need modification-friendly moped and scooter insurance. Without proper coverage, any modifications made will not be covered in your insurance costs, and they could even void your insurance without being declared.

Lastly, you may also wish to investigate European coverage if you intend to ride your moped or scooter across the continent. Insurance policies for mopes and scooters can be adjusted to fit your own personal needs, so be sure to look at all extra policy options when taking out moped and scooter insurance.

Mopeds Vs. Scooters - What Is The Main Difference?

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 power.

A moped is a common term used for a two-wheel vehicle with engine size up to 50cc. In terms of speed, this maxes out at around 25mph. Scooters can reach as high as 150cc in engine size, meaning they can hit much larger speeds overall.

When looking at insurance for a moped or scooter, you need to know what engine size you have. The power of your vehicle determines a lot about your insurance. Today, government figures estimate that over 300,000 mopeds and scooters are on the roads of the UK.

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!