It's easy to see why many people choose to ride a moped or scooter. Not only are they cheap to run and insure, but you can wave goodbye to parking or congestion problems – perfect if you live in the city.
Mopeds are also a great option for teens eager to get on the road, as you can ride one from the age of 16.
This handy guide contains all you need to know about insurance for a moped.
What's the difference between a moped and scooter?
The main difference between mopeds and scooters is the engine size. Mopeds have engines up to 50cc and a top speed of around 45mph, while scooter engines can range from 50cc to 150cc so have a much higher max speed.
Because insurance providers think of speedier bikes as riskier to insure, 50cc moped insurance is likely to be cheaper than 125cc scooter insurance.
What do you need to ride a moped?
If you're yet to pass your driving test, you'll need to take a compulsory basic training (CBT) course. As Gov.UK explains, this training makes sure you can ride safely on your own while you practice for your full moped or motorcycle test.
After you've completed your CBT, you can ride a moped if you're 16 or over, or a motorcycle up to 125cc with a max power output of 11kW if you're 17 or over. You must display L plates and pass your full moped or motorcycle test within two years – or take the entire CBT again.
You don't need to undergo CBT if you want to ride a moped and you passed your driving test before 1 February 2001, or you want to ride a motorcycle and have a full moped licence from passing a moped test since 1 December 1990. That same goes if you hold a full motorcycle licence for one category and want to change to another.
You'll also need to tax and insure your moped before you can take it out.
What is moped insurance?
Moped or scooter insurance comes in three levels: third party, third party fire and theft, and comprehensive. Here's what each one covers:
This is the most basic level of insurance. If you're involved in an accident your policy will cover costs associated with the third party and their vehicle, but not with you or your bike. You can't claim if your bike's stolen or damaged/destroyed by fire either, so you could end up seriously out of pocket.
Third party fire and theft
This offers the same as third party cover, but you'll get a payout if your moped or scooter is stolen or damaged/destroyed by fire.
Comprehensive insurance is the highest level of cover you can take out, covering the costs associated with you and the third party in the event of an accident. Your moped or scooter is covered against theft and fire, and you can even claim for accidents where you're deemed at fault.
As you'd expect, comprehensive insurance often costs more than third party policies, but you'll be receiving a much higher level of protection. Which makes sense for many moped and scooter owners.
Do you need insurance for a moped?
Yes – just like cars and motorbikes, you need a minimum of third party insurance to be able to ride your moped or scooter on public roads.
How much is moped insurance?
The price of moped and scooter insurance is calculated based on many different factors. These include your age, riding experience, how many miles you cover each year – even where you live can have an impact.
Are mopeds cheap to insure?
Generally speaking, moped insurance is cheaper than car cover, especially if you're a young rider. If you've just reached an age where you can ride a moped or scooter, you can find some useful advice on our guide to young riders bike insurance.
There are some ways you can make sure you get the best possible price for moped and scooter insurance. These include:
- Limiting the amount of miles you cover each year
- Keeping your moped or scooter in a garage overnight
- Improving its security, for instance by using tyre lock
- Buying a moped or scooter with a smaller engine
- Paying for cover in full (as you usually pay interest on monthly instalments)
- Increasing your excess (but making sure you can afford it in the event of a claim).
You might be tempted to buy the basic level of insurance for a cheap price, but if your moped or scooter was stolen or damaged, you might find yourself out of pocket if you have to replace or repair it.
Does moped insurance count towards no claims discount?
Planning to switch from two wheels to four? You'll need to check with your specific provider as to whether they'll transfer any no claims discount (NCD) you've built up on your moped or scooter policy to a car policy.
Insurance with Hastings Direct
Get quality moped insurance for a competitive price with Hastings Direct. We offer Defaqto 5 Star rated cover on our Premier bike policies and feature a great range of benefits as standard. Plus, you can tailor your cover to suit your needs with extras including helmet and leather cover, bike legal expenses, breakdown cover and personal accident.