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Coronavirus update Last updated 28th May 16:00

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In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Hastings Direct.
i

Coronavirus update Last updated 28th May 16:00

Show more

  • We hope you and those close to you are keeping safe. Our teams are now working from home so we're very sorry if you notice the sound quality isn't as good as usual or you experience periods of silence. We're working hard on improving this so please bear with us.
  • Please help us prioritise urgent calls by only phoning us if you want to discuss your renewal or you're thinking of cancelling your insurance, or you're in financial difficulties and you're worried about payments, or you're an NHS or frontline healthcare worker.
  • For anything else, you can now manage your policy online. For latest advice and help to use our online tools, read our Coronavirus FAQs.

In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Moped insurance

Row of scooter motorbikes.

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.

Moped insurance

Our bike insurance is Defaqto 5 Star rated. So you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

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:

Third party

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

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.

Moped insurance

Our bike insurance is Defaqto 5 Star rated. So you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

Join us...