Moped and scooter insurance

Find out all you need to know about insuring your moped or scooter, including what cover is available and the type of licence required.

What’s the difference between a moped and a scooter?

Mopeds and scooters are both motorised vehicles, but the difference between them lies in their engine size and the speed they go up to.

Mopeds have the smaller engine, at up to 50cc, and a top speed of around 25mph. Scooters have an engine size of between 50cc and 150cc, so can go much faster, especially at that top end.

This is not to be confused with electric scooters, which are also classed as vehicles but are very different contraptions.

What’s the difference between moped insurance and scooter insurance?

Much like with cars, a smaller engine usually means lower insurance premiums, so mopeds are generally cheaper to insure than scooters.

The moped’s reduced speed makes it less of a risk for insurance companies, partly because, as it has a max speed of 25mph, it cannot be ridden on motorways. This means it’s less likely to be used for longer journeys.

Yes – riding a moped or scooter on the road without insurance is illegal.

Like with most other vehicles, the minimum requirement is third party cover. The best-case scenario for being caught driving without at least this type of insurance is a £300 penalty fine and six points on your licence.

If you’d like more than just the minimum level of cover, you can also get a third party, fire and theft or comprehensive policy.

If you’re not currently riding your moped or scooter, you can take a Statutory Off Road Notification (SORN) with the DVLA. Failing to do this for an unused moped or scooter when you don’t have insurance can result in a fixed penalty of £100 or a fine of up to £1,000 if you’re taken to court.

How much is moped and scooter insurance?

This will vary by insurer, the model of the moped or scooter and the driver’s personal details (like address, driving experience and even profession).

However, as a general rule, the larger the engine in your moped or scooter, the more expensive it is to insure. This is because vehicles with more powerful engines can go faster and be used for longer journeys. They tend to be more expensive to repair or replace.

As mentioned above, scooter insurance is usually more expensive than the same level of cover for a moped.

Note that, in some cases, comprehensive cover actually works out cheaper than the more limited options. According to VastVisibility data from April 2020, the average annual cost of a comprehensive motorcycle policy was £243, compared to £323 for third party only cover.

Levels of cover for scooter and moped insurance

Insurance levels for mopeds and scooters are the same as car insurance: third party only, third party fire, and theft and comprehensive cover.

Moped and scooter insurance policy features

This is the minimum level of cover that all UK drivers are required to have by law. This is often the cheapest option, but it does not protect your moped or scooter against any type of damage.

What is covered?

  • Injuries to others, including riders on your moped or scooter, people in other vehicles and pedestrians.
  • Damages to other people’s property or other vehicles.
  • Some policies include the cost of legal claims against you.

What isn’t covered?

  • Damages to your moped or scooter.
  • Personal injury.
  • Cover for your moped or scooter against theft.
This policy offers all the same benefits as third party cover, as well as protection for your moped or scooter against fire and theft. This is often a popular choice for those who need a bit more cover without the potentially high price tag.

What is covered?

  • Injuries to others, including riders on your moped or scooter, people in other vehicles and pedestrians.
  • Damages to other people’s property or other vehicles.
  • Some policies include the cost of legal claims against you.
  • Replacing your moped or scooter if stolen.
  • Damages to your moped or scooter as a result of attempted theft or fire.

What isn’t covered?

  • Other damages to your moped or scooter.
  • Cover for your personal injuries.
  • A payout if your moped or scooter is written off.
This is the most complete form of insurance you can get, so if you’re looking for top cover, this is the option for you. Specifications vary by provider, but comprehensive moped and scooter insurance covers you for most eventualities, except for those outlined in your policy exclusions.

What is covered?

  • Everything covered under the third party, fire and theft policy.
  • Damages to your moped or scooter through accident.
  • Cover for your personal injuries.
  • Some policies also include additional cover, such as riding accessories, sidebar cover and legal protection.

What isn’t covered?

  • There may be some exceptions outlined in your policy exclusions.

Many insurance companies also offer optional extras you can add to your policy, like key cover, valuables protection and riding your moped or scooter abroad.

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