Moped and Scooter Insurance

What is moped insurance?

Moped insurance can provide cover for you to drive your moped legally on the road and protect you from risks such as collisions and accidents. This insurance is specifically designed to protect your moped, not scooter. So, what classes as a moped, then?

Mopeds are defined as any bike under 50cc, usually with a maximum speed limit of 28 mph. Cover for mopeds is usually included within a 50cc moped insurance policy, so you can drive any moped bike up to this engine limit.

Boasting great fuel efficiency, mopeds are useful for commuting and short journeys, particularly in the city. They’re often a popular choice for younger adults, especially 16-year-olds, who are legally allowed to ride a motorbike below 50cc. If you’re looking for Vespa insurance, that’s something different. You’ll need scooter motorbike insurance for that.

What is scooter insurance?

Like mopeds, scooter insurance ensures you can drive your scooter on the road legally. It can also help protect you in the event of damage and accidents, including to other vehicles.

Scooters are specific types of motorbikes containing an engine that’s 50cc or above, plus what’s known as a ‘step-through’ where there’s space for your feet to sit together. You might recognise a Vespa a popular and iconic scooter with a stylish shape, often featuring multiple wing mirrors. Usually, scooters come with 125cc engines, making them perfect for commuters in cities looking to nip through rush-hour traffic. For these bikes, you’ll need 125cc scooter insurance.

Why is moped and scooter insurance important?

Just like any other bike or vehicle, you’ll need to have a minimum of third-party insurance to drive your moped or scooter legally on UK roads. Taking the risk of riding a scooter or moped without insurance means you could be hit with a fine and penalty points on your licence. Your moped or scooter might also be seized and destroyed. In short, it just isn’t worth it.

With that mind, let’s look at the three types of scooter and moped insurance:

• Third-party-only cover: Only covers you for damage that you and your moped or scooter might cause to another person’s vehicle or property.
• Third party, fire and theft cover: Covers the policyholder for third-party damage, in addition to protecting against the risk of fire or theft.
• Comprehensive cover: Covers you for range of risks, including damage sustained to your own bike, as well as third-party damage, fire, and theft.

Although you can buy moped or scooter insurance before passing a test, you won’t be able to obtain pillion cover, because learners aren’t permitted to carry a passenger on their moped or scooter. However, you’ll still need insurance. You should still take out learner insurance to cover you while learning to drive your moped or scooter.

Passing your test might help you get cheaper cover, as it will show that you have proved your capability as a rider. So, you should inform your insurer as soon as you pass your test.

Our moped and scooter insurance policy features

Devitt isn’t ‘just another’ company offering insurance for scooters and mopeds – we’re one of the longest-established and most trusted names in motorbike cover, having been arranging it for riders in the UK since the 1930s. We continue to be passionate and knowledgeable as motorbike insurance specialists – indeed, many of us are motorcyclists ourselves.

So, when you want to obtain your next scooter or moped insurance policy through a company that you can trust, there’s no need to look further than Devitt. Our work with many of the UK’s premier insurers means we can help you find the most affordable and comprehensive moped or scooter insurance.

Here’s what you can expect from us:

• Low-cost scooter and moped insurance: We’ll compare the market to find you the cheapest quote.
• Agreed value options: Ensure your moped or scooter’s value is protected, reflecting its true worth.
• UK-based 24/7 accident helpline: Access immediate assistance anytime you need it.
• Variety of additional cover options: Tailor your policy with additional cover options to get a policy bespoke to you.
• Multi-bike coverage: Simplify your insurance with one policy for multiple bikes.
• Exclusive offers and discounts: Take advantage of special deals and savings.
• Insurance for modifications: Cover your customisations and modifications for complete peace of mind.

To get a quote, fill in our online form or give us a call on 0345 872 3614. We’re just a phone call away.

How much does moped insurance cost?

Moped insurance is usually cheaper than standard motorbike insurance, mostly because the engines are much smaller and less powerful. They also tend to be lower in value.

Your driving experience is particularly important when pricing your moped insurance quote. Those that have less experience on two wheels will generally pay a higher premium until they can prove their ability. If you’ve claimed on a policy in the last few years, this can also increase the cost, even if you’ve been driving on the roads for a while.

Factors affecting your moped insurance price include:

• The make and model of the vehicle
• Your age
• Your driving history
• Your claims history
• Where your moped is stored
• Any security measures you use to protect your moped, e.g. from theft
• The type of cover you choose, including any policy extensions

How much does scooter insurance cost?

Like moped insurance, scooter insurance is often cheaper than motorbike cover. However, it can be more expensive than moped insurance as scooters’ engine sizes are bigger and they usually have a higher market value.

Alongside your driving experience, claims history, and other personal circumstances, providers usually consider other factors like security measures. If you take steps to secure your scooter, such as storing it in a locked garage with CCTV overnight, it can reduce the cost of your scooter insurance quote.

Factors affecting your scooter insurance include:

• The make and model of the vehicle
• Your age
• Your driving history
• Your claims history
• Where your moped is stored
• Any security measures you use to protect your moped, e.g. from theft
• The type of cover you choose, including any policy extensions

Why choose Devitt for moped or scooter insurance?

We’re scooter and moped insurance specialists, so you can trust us to find you suitable cover. We also know how much your two-wheel investment means to you, which is why we take the time to understand your personal circumstances so we can arrange suitable cover at competitive rates. We’ll work with you to find and compare cheap scooter insurance and moped cover that keeps you safe on the road.

• Competitive prices: Get great coverage at affordable rates.
• 24/7 claim line: Report claims anytime with our round-the-clock helpline.
• Immediate documents: Receive your insurance documents instantly.
• No long wait times: Get quick and efficient service every time.
• UK-based help centre: Speak to knowledgeable and friendly UK-based staff.

To get a moped or scooter insurance quote, fill in our online form or give us a call on 0345 872 3614.