Can you buy a motorcycle without insurance?

Purchasing a new motorcycle or scooter is an exciting process, but before you hit the road, there are legal requirements to fulfil. In the UK, it is mandatory to have insurance before you can ride your bike on public roads. While you can buy a motorcycle without insurance, you cannot legally ride it until your insurance is active.

Here’s what you need to know about insuring your new motorbike or scooter.

Do You Need Insurance Before Buying a Motorcycle?

No, you don’t need insurance to purchase a motorcycle. However, you must have an active insurance policy in place before you can take it on the road. If you want to ride your bike immediately after purchase, it’s a good idea to arrange insurance in advance.

By using a simple and hassle-free comparison tool, you can compare quotes from over 40 trusted UK insurance providers. Whether you’re looking for basic cover or comprehensive protection, the website helps you find a policy tailored to your needs and budget.

Steps to Get Insured Quickly

  1. Research Insurance Costs
    Before purchasing your bike, research how much insurance will cost for the make and model you’re considering. Scoot Scoot provides a price comparison service, ensuring you get the best deal.

  2. Set Up Your Policy Before Riding
    Once you’ve decided on a motorcycle or scooter, you can set up an insurance policy to activate from your delivery or pick-up date. To do this, you’ll need the bike’s make, model, and registration.

  3. Activate Your Policy Online
    Thanks to online insurance services, your policy can often be activated within 24 hours, allowing you to get on the road quickly after purchase.

Factors Affecting Motorcycle Insurance Costs

The type of bike you buy has a direct impact on your insurance premium. Here’s what to consider:

  • Engine Size: Smaller engines, such as 50cc scooters, are typically cheaper to insure. Larger, more powerful engines, such as 125cc motorcycles, tend to cost more.
  • Security Features: Installing security devices like alarms or trackers can reduce your premium.
  • Excess Payment: Volunteering to pay a higher excess can help lower your premium.

Insurance Options

Whether you’re buying a scooter or motorcycle, you’ll need to choose one of three levels of cover:

  • Third Party Insurance: The minimum legal requirement, covering damage to third parties and their property.
  • Third Party, Fire, and Theft Insurance: Includes the above, plus protection if your bike is stolen or damaged in a fire.
  • Comprehensive Insurance: Offers full protection, covering you, your bike, and third parties.

Get a Quote Before You Buy

The site offers insurance for all major brands, including BMW motorcycle insurance, Harley Davidson motorcycle insurance, and Suzuki motorcycle insurance. Additional options, such as delivery rider insurance and electric moped insurance, are also available.

Using the comparison tool ensures you’ll find affordable insurance for the bike you want to buy. Simply enter your details and receive tailored quotes within minutes.

Reduce Your Insurance Costs

To lower your premium, consider these tips:

  • Opt for a smaller engine size, like a 50cc scooter.
  • Volunteer for a higher excess payment.
  • Fit security devices such as alarms or immobilisers.
  • Limit your annual mileage where possible.

While you don’t need insurance to purchase a motorcycle or scooter, it must be in place before riding on public roads. By planning ahead and using the insurance comparison tool, you can ensure your new bike is road-ready as soon as possible.

Get a free, no-obligation quote today and hit the road with confidence.

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