Insurance for a 50cc moped can be very expensive, particularly for young road users. Insurance costs more because there’s more chance of young drivers having a crash, mainly due to their lack of experience. The cost of insurance is affected by dozens of different factors, but one of the biggest is engine size.
Mopeds with smaller engines are cheaper to insure than more powerful motorbikes. Not only is this because they can’t go as fast, but also because they’re cheaper to repair. The engine on a 500cc moped is a lot simpler than a proper motorbike, and so doesn’t take as long to fix.
Do you need insurance for a moped? Yes you do by UK law. It is illegal to ride on public roads without insurance.
How much is insurance on a 50cc scooter? There isn’t a definitive answer to how much is insurance for a 50cc scooter, mainly because it depends on you and the bike. While everyone has different premiums, the average cost of scooter insurance is £279 a year. This is based on an average of different levels of cover for a 50cc moped. There are three levels of cover, and each is more expensive than the last:
Your use of the moped will also affect how much is your moped insurance. If you’re using it for riding to work, you’ll need Social and Commuting, but if you only want to see friends you’ll need Social. Social is the cheapest use and is a good way to cut down on insurance costs. While 50cc mopeds are great for getting around town, it’s unlikely you’ll be making long journeys on it. This also means you’ll have a low annual mileage, which will make your premium cheaper.
50cc mopeds are the cheapest vehicles to put on the road. This is mostly due to their low top speed and small engine, but also because they’re easy to repair. If you’re young or new to the road, they can be a great way of getting around.