Moped and Scooter Insurance

A scooter is a specific type of motorbike: 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.

A Vespa is popular and iconic scooter that has a stylish shape and often features multiple wing mirrors. Vespas now have a cult status thanks to films like Quadrophenia and its links with the mod subculture.

Scooters come with 125cc engines, which are perfect for commuters in cities looking to nip through rush-hour traffic.

A moped is any motorbike under 50cc, which tends to have maximum speed limit of 28mph. Boasting great fuel efficiency, mopeds are useful for commuting and particularly suitable for city riding.

They’re often a popular choice for younger people – especially 16-year-olds, who are legally allowed to ride a motorbike below 50cc.

Yes, just like any other car or motorbike, you’ll need to have at least Third Party Only insurance to ride your moped or scooter legally on UK roads.

No, all of our insurers require you to have a valid CBT to validate your cover. This is because your CBT is your license to drive a moped.

Scooter and moped insurance is usually cheaper than standard motorbike insurance, due to the fact that the engines are less powerful and their value is often lower.

However, your experience can make a difference to your moped and scooter insurance, as those that have less experience on two wheels will generally pay more for insurance until they can prove their ability.

Good security measures will often help with your scooter or moped insurance cost in the UK, especially if you live in a city, where thefts are more likely.

Layer your security up as much as you can, ie use as many devices as you can; a chain, ground anchor, disc lock, cover, alarm immobiliser, tracker and so on…

Storing your scooter or moped in a garage will always be a great way to bring your insurance premium down, although this obviously isn’t possible for everyone!

Devitt isn’t ‘just another’ company offering motorcycle insurance – 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.

Fast-forward to the 2020s, and 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 will help ensure you obtain the most suitable moped or scooter insurance for your requirements.

As a minimum, you are legally required to have third-party insurance in order to ride a moped or scooter. 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 all that in mind, below are the three principal types of scooter and moped insurance:

• Third-party-only cover, which – as the name suggests – will only cover 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, which covers the policyholder for the aforementioned third-party damage, in addition to protecting against the risk of fire or theft
• Comprehensive cover, which would protect you for a suitably ‘comprehensive’ range of risks, including damage sustained to your own bike, as well as third-party damage, fire and theft

Although it is possible to buy moped or scooter insurance before passing a test, you won’t be able to obtain pillion cover in such circumstances, because learners aren’t permitted to carry a passenger on their moped or scooter.

Passing a moped or motorcycle test might help make your insurance cheaper, 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.

Getting an insurance quote for your moped or scooter should be fairly simple, most things like your name, address, occupation etc you be able to recall pretty easily!

It’s a good idea to have some of the following info ready that you may not know off by heart:

• Your licence details
• Number of year you have of No Claims, for your No Claim Discount (if you have any)
• Details of any claims, accidents or convictions you may have had

You can choose to do your scooter and moped quote online or if you’d like a little extra help with the process you can give us a call and we’ll happily be of service.