Use our expertise and we will save you time and money in finding the cheapest scooter insurance available on the market, whatever the type of moped (classic, modified and custom mopeds and imported models). Be sure to give us all the details we will need to give you an accurate quote.
Moped and Scooter Insurance
Do you need a moped or motor scooter insurance? Are you fed up with paying large amounts for your moped insurance? Or maybe this is your first bike and you are facing the prospect of finding suitable scooter insurance? We can help, whatever your situation.
Our teams of experts have many years of experience of scooter insurance and a depth of knowledge of all moped matters. We have extensive contacts with leading and reputable companies who deal with scooter insurance. We use this expertise to find you the cheapest insurance for moped available on the market.
Finding cheap scooter insurance isn’t easy. Statistically speaking, a motorbike is more likely to be stolen than a car, and a moped or motor scooter is more likely to be stolen than a motorbike. If you have security measures in place to protect you moped when not in use, such as a lockup or secure garage space, this will help to reduce the costs of your scooter insurance, especially if you live in an area with a high crime rate.
The cost of your insurance for a scooter will depend on several factors, the area where you live being just one of them. Moped users tend to be a mixture of young and old and your age and riding experience is another factor to be taken into account. It’s also a fact that moped insurance tends to be cheaper for women riders compared to men because women riders are less likely to be involved in an accident. (Shame on you men - try driving with more care and attention!)
In calculating your moped insurance costs, an insurance company will also want to know whether you have made prior claims or had previous convictions. The cost of your moped insurance is also going to depend on the type of cover you want.
Third party moped insurance is the very minimum you are required to take out by law. This will cover you for any damage you may cause to other road users or vehicles in the event of an accident. It will not cover you should your moped be stolen however, and for that you will need a third party fire and theft moped insurance, which will be more expensive but offers greater cover. A fully comprehensive moped insurance policy gives you even greater cover, such as costs resulting from an accident in which you were clearly to blame.
Insurance for a scooter
A fully comprehensive scooter insurance will cover you for a certain amount of legal expenses should you face legal action following an accident or if you decide to take legal action in order to claim compensation from other drivers in the event of an accident. Other kinds of cover, which may be included in a fully comprehensive moped insurance, include breakdown cover (covering you for the cost of repairs should you break down when out on the road), personal injury cover (covering you for medical costs in the event of an accident), and helmet and clothing cover (covering you for the costs of replacing protective clothing in the event of an accident.
Finding the cheapest scoote insurance can be difficult if you are doing it on your own. If you own a Chinese scooter, for instance, you may be faced with high premiums for your moped insurance because many insurance companies mistakenly believe that parts will be hard to find. The same applies to any imported moped that’s unavailable from mainstream UK dealers.