Moped Insurance

Scooters or mopeds are often our first encounter with owning a vehicle. They may be small and light but they still need to be properly insured before we let them out on the road. As most people who own scooters or mopeds are very young, insurance becomes even more of a priority as, sadly, the young men who are the main demographic for this type of vehicle are more likely to be involved in some sort of accident.

Just like every other type of insurance, how much you end up paying depends on just how covered you want to be.



As most of the people interested in this type of insurance will be relatively young, the temptation would obviously to be to go with the cheapest for available in order to stretch out meagre funds however, when looking into getting a policy, remember that spending a little more now could save you a lot of money later.

Third Party Moped Insurance

As with all types of vehicle insurance, the cheapest form which you can get, the legal minimum, is third party insurance. This type of policy covers your liability to other people, their vehicles and their property. This won’t cover your bike or you if you get involved in some sort of accident. If you get in an accident, then it is likely that your scooter or moped is always going to come off the worst simply because they are so small and light. Thus, third party will likely end up not being that cost effective as, if an accident does occur, it is likely your vehicle which will be damaged.

Third Party (Fire & Theft) Moped Insurance

The next rung up from this is third party and theft/fire cover. Whilst a fire with your vehicle might be unlikely, theft is sadly not out of the question. The light frame of a moped or scooter means that is easy to steal and thus insurance against such an unfortunate event would be wise. However, with this policy you will still not be covered for any accidents which you may have. In order to get covered for accidents, you will need comprehensive insurance. Whilst this is the most expensive, it is still cheaper than insuring a car or a larger motorbike. Comprehensive insurance will cover you for fire and theft and also will fully cover you in case of accidents on the road.

Moped Insurance Optional Extras

There are also extra features which some insurance policies will offer. However, these do not come as standard and thus you must check the details of your individual policy to see what you are actually spending your money on. You could well get cover for riding your scooter abroad, or for other people who may be riding your scooter (perfect for siblings who are sharing the same vehicle). Some policies will also offer you the chance to insure your helmet and other bike kit as well. Breakdown insurance is another important area which you need to consider (there is a separate page on this website which should tell you everything you need to know) Some policies include breakdown cover as standard but you need to be absolutely sure that this is the case; don’t wait until you break down to find out that you don’t actually have the cover that you thought you did.

Most standard insurance policies only cover social, domestic, pleasure and commuting use; if you want to use a scooter to visit clients for your business then you may need special business insurance. As with all policies, the amount you use your scooter and what you use it for will always affect your premiums. Luckily with mopeds and scooters they tend to be used for short and local journeys and this will help you keep your premiums down. There are other ways to keep your premiums down as well. By keeping your scooter in a locked garage and proving you keep it safe and secure you should be able to help your premiums. If you simply leave your scooter outside on the drive then this isn’t going to help the amount you pay at all. No claims discounts and being slightly older than the average scooter rider will also help you to keep your premiums down.

Riding a scooter or a moped can be a very exciting and thrilling experience and yet you are very exposed on the road and also on a vehicle which is much smaller than most others on the road. Thus insurance is vital to help protect you and anybody else who may be using your scooter. As long as you drive safely, accidents should be minimal but even the safest of us gets in trouble every once in a while. This is where moped or scooter insurance comes in. Protect yourself and then you can enjoy yourself.