Moped and Scooter Insurance

What is moped insurance?

Moped insurance can provide cover for you to ride 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.

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. Remember you’ll need a valid provisional driving licence and your CBT to ride on L plate in the UK. If you’re looking for Vespa insurance, that’s something different. You’ll need scooter motorbike insurance for that. Read on for details.

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 with an engine that is 50cc or above, plus what’s known as a ‘step-through’ where there’s space for your feet to sit together. Vespa are popular and iconic scooters with a stylish shape, and 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 that you can choose from:

• Third-party-only cover: This is the most basic type of insurance and 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: This will cover the policyholder for third-party damage as above but also protects against the risk of fire or theft.
• Comprehensive cover: This covers you for range of risks, including damage sustained to your own bike, as well as third-party damage, fire, and theft.

The price for each policy will differ depending on how much protection you want.

Policy limits and exclusions may apply. Please review the policy wording for full terms and conditions.

Why choose Devitt for moped or scooter insurance?

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, arranging insurance for riders in the UK since the 1930s. We continue to be passionate and knowledgeable as motorbike insurance specialists and are rated ‘excellent’ on Trustpilot with more than 26,000 reviews as of October 2025.

When looking for your next scooter or moped insurance policy why not give us a try?

Here’s what you can expect from us:

• Our best prices: We compare prices from some of the leading UK motorcycle insurers to find you the insurance you’re looking for at our best price.
• Agreed value options: Ensure your moped or scooter’s value is protected, reflecting its true worth.
• A 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.
• Insurance for modifications: Cover your customisations and modifications offering you additional peace of mind.
• Immediate documents: Receive your insurance documents instantly.
• UK-based help centre: Speak to knowledgeable and friendly UK-based staff.
• 24/7 Claim Notification line: Report your claim anytime.

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.

*One use per customer. Promotion valid until 31/03/2026 and must be used within six months from date of issue. Full terms and conditions can be found here: 10% discount code for Sportsbikeshop with Devitt.

**Up to 90 days EU cover is included in all our motorcycle policies. Please see your policy documents full details.

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

Factors affecting your moped insurance price may 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 optional extras which typically incur additional costs

How much does scooter insurance cost?

Like moped insurance, scooter insurance may often be cheaper than motorbike cover. However, it can be more expensive than moped insurance as scooter 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 may help to 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 scooter is stored
• Any security measures you use to protect your scooter, e.g. from theft
• The type of cover you choose, including any optional extras which typically incur additional costs