Scooter and Moped Insurance

Vespa scooters on a ride out - Scooter Insurance

Scooters and mopeds are extremely common on UK roads and account for around one in three new two-wheel registrations in the UK.

They’re cheap to buy, cheap to run and generally cheap to insure. They’re also one type of bike that all riders can ride, whether you have completed Compulsory Basic Training (CBT) or passed the most basic of motorcycle tests.

Why are scooters and mopeds so popular?

The major reason for the immense popularity of scooters and mopeds is the fact that 16-year-olds can ride scooters and mopeds of 125cc or less when they have completed their CBT.

Essentially, they’re one of the first routes to life on the road for young people and they’re also the cheapest way for young people to get on the road, too.

Scooters and mopeds can cost as little as £500 for new models, and even less for used models. They are also cheap to tax and fuel efficient, meaning outgoings on petrol are fairly limited, especially given that long distance travel is unlikely on a 50cc.

Lastly, scooters and mopeds are cheap to insure for young riders; they’re much cheaper to insure than cars and larger capacity two-wheelers.

Types of scooter and moped insurance

The types and levels of insurance cover for scooters and mopeds are identical to any other forms of motorcycle insurance.

That means there is Third Party Only, Third Party Fire and Theft and Comprehensive cover available – all you have to do is pick the policy that best suits your needs.

How to get cheap scooter and moped insurance

The issue of insurance for mopeds and scooters has changed considerably in the past few years but this is primarily limited to anyone living or commuting the area within the M25 motorway.

Scooter and moped theft rates have soared in Greater London as not only are scooters being stolen for parts but also to be used in other crimes like muggings and shop robberies.

As a result, scooter premiums are rising for riders in these areas. Shopping around for a quote rather than letting a policy auto-renew is essential if you to ensure you’re getting your cheapest price.

Outside London the situation is very different with scooters and mopeds offering cost-effective travel and often allowing access to free parking at places like train stations.

The most important element to consider when thinking about insurance for your scooter is security while it’s parked, as they are relatively easy to lift up and load into a van unless they are secured by a good quality chain.

Having a scooter stolen may up your premium in following years if you make a claim so the negative effects could last long past the initial theft!

Compare moped and scooter insurance quotes

Finding cheap insurance for your scooter or moped is straightforward with The Bike Insurer. Get a quote now and compare prices from around 40 UK brokers.

And remember, if you find a cheaper quote anywhere else online, we promise to beat it.

If you’re not sure what the difference is between a scooter and a moped, read our guide that shows you what the difference is between the two.

The Bike Insurer Reviews

Customers who used The Bike Insurer to compare bike insurance gave the site a rating of 4.70 out of 5 from 4,835 reviews.

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“Excellent website! After buying myself a new scooter it helped me greatly in finding a reasonable price for fully comp insurance I would definitely recommend it to anyone looking for insurance and I will definitely be using it again when my insurance comes up for renewal next year.”

Keith, October 2015

“Insuring my moped was very easy and straightforward. It was also excellent value for money. I would recommend them to my friends. What else can I say?”

Charlie, July 2015