Getting a new vehicle on the road, regardless of whether it’s a scooter or a car, can be a costly business. After you’ve paid for your scooter (even if you got it at a great price), you’ll probably have shelled out about a grand for it. You need insurance to drive a scooter. Then there are the other bits to think about, such as tax and insurance. It can be tempting to think you can get away without these bits in order to save money.
Well the short answer is you can’t. Every vehicle on the road is required to have valid tax and insurance, regardless of its size or power. You might think that a small 50cc scooter can slip under the radar, but the opposite is true. The police, along with traffic enforcement officers, pay close attention to scooters and motorbikes, especially those ridden by young drivers.
Scooter insurance might seem like a financial burden, but it’s best to think about it as a service you’ll hopefully never need. Plus, it’ll be an even bigger financial burden to pay out of your own pocket for someone else’s insurance claim (a small collision can easily move into the thousands of pounds before you even realise). It’s also important to remember that insurance to drive a scooter isn’t necessarily just for you, it’s for everyone else on the road. For example, if you unfortunately crash into someone, not only are you covered from paying out of pocket, but also they’re able to get their vehicle repaired.
If you don’t want to be paying through the nose for insurance, consider the following tips:
It’s important to have insurance to drive a scooter, especially if you’re a young rider. Young riders are considered a greater risk, mainly due to inexperience. The best piece of advice is to get on the road as early as you can (ideally 16) and start gaining experience. It might take a few years, but you’ll eventually get a premium you’re happy with.
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