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Scooter and Moped Insurance
About Scoot Scoot
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 and 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.
Do you need scooter insurance?
When it comes to a cheap and practical means of getting around, a scooter or moped is hard to beat. Easy to handle and fun to ride, the added appeal of scooters is that they’re also cheaper to buy, have lower maintenance costs, are kinder to the environment than cars. Scooters also cost less to tax and insure than virtually any other type of motorised vehicle. Most 50cc scooters or mopeds can also be legally ridden on UK roads (excluding motorways) from the age of 16. You will require L plates to be displayed at all times until the rider has completed a practical and theory test when they turn 17. You can also ride a 125cc scooter without passing your test as long as you have a provisional licence, or Compulsory Basic Training (CBT). Continuous Enforcement (CIE) regulations state that any vehicle which has not been declared off the road by the DVLA must have cover. You are legally required to both tax and insure the vehicle before you can ride it. There are no exceptions, so if you’re planning to buy a scooter or moped, you need to arrange cover before you can take it out on the road. Being caught riding without valid cover can have serious consequences and as well having to pay a fine you could have your scooter confiscated. You could even end up with a criminal record.
Moped and Scooter Insurance Comparison
If you intend to ride a moped or a scooter, you need insurance. Insurance is essential, and we can help you to get the best moped and scooter insurance. For over fifty years now, mopeds and scooters have been a key part of UK driving culture. From the age of sixteen, you can join the many Britons who take to the roads on a moped or scooter.
If you want to get the best deal you can on moped and scooter insurance, then you are in the right place.
Mopeds and scooters - what is the main difference?
The term 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 the common term used for a two-wheel vehicle with an 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, then, 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.
What do I need to drive a moped or scooter?
If you wish to ride a moped or scooter in the UK, then you need a full car driving license, or a provisional driving license. Please note that anyone who passed their car driving test prior to the 1st of February 2001 can ride a 50cc moped regardless.
If you passed your car driving test after the 1st of February 2001, though, you will also need to sit a Compulsory Basic Training (CBT) examination before you can ride your moped. A CBT provides you with the legal right to drive a moped or scooter up to an engine size of 50cc for those aged 16. Those aged 17 and above, though, can ride up to 125cc vehicles.
Also, you will legally be required to get moped and/or scooter insurance, as well as tax your vehicle. Failing to have your moped and/or scooter taxed, and insured is a legal offence, and can lead to various penalties including fines, bans, and more.
Do I need moped and scooter insurance?
Yes, 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, then 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 insurance can lead to penalty fines of £300 and above, and points on your license.
Is moped and scooter insurance different from one another?
The main difference here comes down to the cost. Mopeds cost less because they have smaller engines and thus drive at slower speeds. They also are not permitted to drive on motorways, meaning journeys will typically be shorter and thus less risky. Scooters will cost more as they can be used for more varied journeys, though both moped and scooter insurance can be very cost-effective when researched fully.
Your insurance cost will be impacted by your age, your experience, and your history of claims.
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, your address, and your 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, as well as 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.
How much does moped insurance cost?
Normally, a moped can cost you in excess of £300 per year for a 50cc moped. However, your driving experience and your 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 pay more still.
Your insurance cost is determined by how much of a risk you are determined to be for the insurance company. This is why moped and scooter insurance comparisons are so important, as you can get a fairer premium by researching your options.
How much does scooter insurance cost?
The cost of your moped and scooter insurance is determined by engine size. As noted previously, scooter insurance will typically cost more than moped insurance. You could be looking at a cost in excess of £500 per year for a scooter. This is determined by your engine size, with larger engine sizes likely to cost more in scooter insurance.
Like with moped insurance, your age, your driving experience, and your history of claims/no claims will determine your scooter insurance costs.
Types of moped and scooter insurance
Anyone intending to invest in insurance for their moped and/or scooter will need insurance. You typically have three forms of insurance level you can choose from, and they are:
- Third Party Insurance. This 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 own 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 provides cover for your own moped if it is lost, stolen, or damaged via a fire.
- Fully Comprehensive Insurance. This is the most detailed form of insurance, and offers the same depth of protection as Third Party Insurance whilst covering the cost of repairs for your moped and/or scooter.
Can I get 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 key cover and wrong fuel cover, which can help you in the event of 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.
Why should I compare moped and scooter insurance?
There are many reasons to undergo moped and scooter insurance comparisons with our help. For one, we can make sure that you are comparing moped and scooter insurance with the leading bike insurance providers in the UK.
We provide you with quotes in a matter of minutes, too, so you aren't waiting to receive any meaningful feedback. This allows you to quickly ascertain the cost of moped and scooter insurance, as well as ensuring you don't miss out on the best offers on the market.
To find more information about moped and scooter insurance, input your details and our moped and scooter insurance comparison finder will provide you with up-to-date insurance possibilities.
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.
Yes, you will absolutely need to invest in a driving license. As mentioned above, your driving history determines the license you need. If you have a full car driving license, and you earned this license prior to 1st February 2001, you can ride a 50cc moped without your CBT examination. If you passed after this date, you would need to take your CBT examination.
Those under the age of sixteen cannot legally drive a moped or scooter. From age 16 to age 17, you are limited to a 50cc vehicle. At age 17+, your CBT license would allow for usage of up to 125cc in power.
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 as you build no-claims history your insurance costs should come down.
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.
It depends on the kind of license that you hold, and the kind of insurance you have. You will need to also ensure that your chosen insurance policy allows for passengers: some forbid riding with a passenger as part of the agreement. Others will offer pillion insurance for an extra cost. However, you will only be allowed to have a passenger on a moped and/or scooter once you have completed your test and hold a full, not provisional or CBT, license.
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, then you will find that you get a discount over time. Once you prove that you are not someone who is 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 having to make a claim, the more likely your insurance will come down in price. Keep that in mind, as a no claims history can make scooter and/or moped ownership even more affordable.