Frequently asked questions about Moped Insurance for 16 year olds
Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
For 16-year-olds everywhere, enjoying a sense of independence can be a vital part of growing up as you head towards young adulthood, and having your own transport can play an important role in achieving that freedom.
However, at that age, your options are limited – you can’t begin learning to drive a car until you’re 17 and running around on four wheels can prove expensive when you factor in the likes of fuel, tax and insurance on top of the cost of the car itself.
That’s why mopeds prove such a popular alternative – you are eligible to ride one at 16, offering you the chance to get out on the roads a whole year before your friends learn to drive.
You’ll need to meet certain criteria first, of course, such as completing your compulsory basic training (CBT). Another hurdle to overcome is taking out moped insurance for 16-year-olds, but that’s where Devitt can help.
We can take you through a quotation over the phone, which will give you the opportunity to ask questions about the cover on offer. Although we can’t advise on what you should do, we can explain the different types available. You can choose from fully comprehensive cover, third party or third party fire and theft. You will need to decide which best suits your needs.
Getting a quote couldn’t be easier. You’ll just need a few pieces of information to hand, including details of your bike, your location, where the bike is stored and any additional security measures you have such as chains and alarms. You can get a quick quote online, and buy your insurance there or you could call one of our friendly insurance agents on 0345 872 3614 for a quote over the phone.
We also offer optional extras that you can include within your policy, which may help to offer additional peace of mind. These include Legal Expenses, Helmet & Leathers cover, Breakdown cover and Personal Accident. They can be purchased individually (at additional cost) but they are also included in our handy Enhanced and Evolution packages at a reduced cost. You can see more about these cost saving packages here.
*This promotion is valid until 23:59 on 31/03/2027, unless otherwise stated or extended by Devitt Insurance. Exclusions. The discount code is available to new and renewing customers who obtain a quote and purchase a qualifying insurance policy through Devitt Insurance and you must be a resident of the UK. Not valid in conjunction with any other offer, promotion, or discount unless otherwise specified. One Use Per Customer: This offer is limited to one use per customer and must be used within 6 months from the date of issue. To claim the discount, enter your valid discount code at the time of checkout via Sportsbikeshop. You will receive your discount code automatically by email from Devitt Insurance within 5 working days of your policy start date. For full terms and conditions visit https://www.devittinsurance.com/motorbike-insurance/10-discount-code-sportsbikeshop/
**Up to 90 days EU cover is included in all our motorcycle policies. Please see your policy documents full details.
FP506-2026e 08/04/2026
What are you allowed to ride at 16 years of age?
At 16, you are legally allowed to ride a moped with a speed range of 25-45 km/h – essentially a 50cc. You need to complete your CBT, as well as a theory and practical test, to obtain a licence. To be legally roadworthy you also need adequate insurance cover, and here at Devitt we will aim to help you to secure 50cc moped insurance for 16-year-olds.
What to expect when taking out moped insurance for 16-year-olds
Because younger riders are not as experienced on the roads as their older counterparts, the average cost of moped insurance for 16-year-olds is typically higher than a premium for someone who has been riding for a long time. That’s because new riders are deemed to be a higher risk, based on the accident data analysed by the insurance providers. At Devitt we will compare moped insurance quotes for 16-year-olds from a panel of specialist insurers in the UK and offer you our best price.
What can you do to get lower premium moped insurance for 16-year-olds?
There are several ways to help to reduce the cost of insurance, including: storing the moped in an off-road and secure facility, using robust locking equipment, completing extra training qualifications and limiting the mileage you cover in a year.