There are three types of scooter insurance to choose from and the price will vary depending on which level of cover you go for. It is important to remember that the cheapest option isn’t always the best one, especially if it doesn’t provide you with all the insurance cover you need. So what are the three types of scooter insurance?
Use our independent and impartial comparison service site to compare quotes for you. Search insurers to find the best scooter and moped insurance deals available in the UK – saving you time and money in the process!
First you need to choose your scooter. If you’re planning to use your scooter for commuting in an urban setting, you’re unlikely to need maximum engine capacity. A 125cc scooter will be more economical to run, as well as to insure. High performance scooters cost more to insure because insurers know that claims are more likely, as well as more costly.
It goes without saying that you should always ride safely for your own sake and out of consideration for other road users. How you ride can also affect your insurance premium. If you have previous riding convictions you may need to pay more for your scooter insurance.
You can earn attractive discounts if you have zero claims on your policy. The longer you’ve gone without making a claim, the greater this discount can be. This can add up to huge savings on your premium. It’s definitely worth bearing this in mind before making a claim if you have a minor accident with your scooter. Paying for the damage yourself may be the better option, rather than losing a no claims discount.
Where you keep or park your scooter when not in use can affect your insurance. If possible keep it in a locked garage or shed rather than on the street. You can minimise the risk of being stolen by fitting an alarm, locks, chains, immobiliser and security markings. The more secure your scooter, the less chance it has of been stolen or vandalised, decreasing the need to make a claim.
No matter what make or model of moped you ride you can find the most competitive deal on moped insurance using the Scoot Scoot comparison site. As the UK’s leading scooter insurance specialists – we source and compare scooter insurance – we search across the market for the best moped insurance deals available, so that you don’t have to!
Perhaps you’re thinking about buying your first moped and want to factor in annual insurance costs, Maybe you already own a moped and your existing policy is coming up for renewal. Whatever the reason, we’ll help you find the type of moped insurance policy that is designed to meet your specific requirements. Harley Davidson motorcycle insurance, Lexmoto Insurance, Aprilia scooter and Lambretta Insurance along with other well know brands are likely to be more expensive because of higher replacement and repair costs. Despite this we’ve helped lots of customers find great insurance rates for these and other models.
Getting a moped insurance quote only takes a few minutes. If you need some help or prefer to do it by phone, we’ll be happy to help. Simply provide information about yourself, details of the make and model of the moped, and the type of policy. Submit your quote and compare prices.
When working out scooter insurance premiums, insurers take into account factors such as age, where you live and occupation. You can’t do anything about your age and are unlikely to move to another area or change jobs just to save a few pounds. But there are a number of things you can do to help bring down the overall premium without compromising on your protection. Here are our top tips.
All insurance polices come with a compulsory excess, which is the amount you pay towards any claim. You have the option of increasing your voluntary excess to reduce the overall cost of your scooter insurance. This can rule out claims for minor damages or costs, so weigh up the pros and cons carefully first.
If you use your scooter for getting to and from work on a daily basis, or use it for business purposes ( doing deliveries etc.) you can expect to pay a higher annual premium than if you only ride the scooter occasionally. It will usually be cheaper to insure a scooter if it’s for recreational use only.
Insurers take into account your estimated annual mileage when working out your premium. It is important to be completely honest about the number of miles you ride, you could reduce your premium by decreasing your annual mileage.
Modified scooters could effect your insurance premium. If keeping the cost of your premium down is important, riding a standard scooter is the better option. If you have made any modifications it is important to call your insurance company.
You could reduce your annual premium by always riding your scooter alone. Remember that it’s against the law to carry a passenger on your scooter without appropriate insurance.
Some insurers have special offers for multi-rider policies, but much will depend on who the other named riders are. Adding an older rider with no previous motoring convictions will cost less than insuring a younger rider with a poor riding history, so think carefully about who you choose to add to your policy .
Knowing your yearly insurance cost is likely to help you decide the scooter or moped you buy. 50cc Scooter Insurance and 125cc Scooter Insurance will be cheaper than more powerful models. There are other factors that determine how much your scooter insurance will cost. It’s important to always provide honest, accurate and up to date information when you complete your online application. If you supply inaccurate information it could void your policy.
If you’re planning to buy Vespa Insurance, Piaggio Insurance, Peugeot Scooter Insurance, or any other make, you want to be sure you’ve got the right insurance policy in place. With Scoot Scoot you can do just that, so whether you’re the proud new owner of a twist-and-go 50cc model, a 125cc run-around, or a full accessorised classic model, you’ll be able to create the kind of scooter insurance cover that best matches your usage by using our online tool. Some of the benefits to look out for include:
Once you’ve entered all the relevant information, just click to retrieve your scooter insurance quote.