Hastings Direct — Car, Van, Bike & Home Insurance

Moped & scooter insurance uk

Riding a moped has many advantages: not only are you able to escape problems with parking and congestion, but you can reap the benefits of lower running costs and more affordable insurance. And with the price of running and maintaining a car constantly on the increase, swapping four wheels for two seems like a sensible choice.

While scooter engine sizes typically range from 50cc-150cc, moped engines tend to be 50cc or less. This means that mopeds usually cost less to buy, plus riders also save money on fuel. The low CO2 emissions mean that mopeds are also a good option for the environmentally conscious.

Licence requirements

You can ride a moped from the age of 16 and are required to undertake Compulsory Basic Training (CBT). If you don't pass your full motorbike test within two years of your CBT, then you'll have to take it again.

Once your CBT is completed, you can ride a moped up to 125cc with a power output of 11kW. You must display L plates on your moped (L or D in Wales) until you pass your full test.

If you gained your car driving licence before 1 February 2001, then you don't need to undertake CBT. There are a couple of other exceptions, including:

  • If you hold a full moped licence from passing a full test after 1 December 1990.
  • If you hold a full motorcycle licence for a certain category and want to upgrade to another.
  • If you live and ride in some offshore islands.

Safety equipment

Though mopeds don't travel as fast as other vehicles, you're still just as vulnerable as any other road user. It might not be necessary to kit yourself out head-to-toe in leather, but protective clothing and accessories are a must whenever you take to the road.

The law states that you must wear a safety helmet when riding a moped. If you haven't bought your helmet yet, the SHARP website contains a database of different makes and models and their safety ratings.

Types of insurance

Before you can hit the open road, you need to insure your moped. Just like car insurance, there are three levels of cover to choose from, including:

Third party

Third party provides riders with the legal minimum level of protection. It covers the third party and their property if they're injured or their vehicle is damaged in the accident. But you're not covered, meaning you'll need to pay for repairs to your moped as well as treatment fees if you're injured and need medical treatment.

Third party, fire & theft

With third party, fire & theft insurance, your provider will cover costs to repair or replace your moped if it's stolen or damaged by fire.


A comprehensive policy provides you with the highest level of cover. If you're involved in an accident, your provider will cover the costs for damage to the third party's vehicle and your moped. Any treatment fees for you or the third party are also covered.

Third party insurance might offer the most basic level of cover, but it won't always be the cheapest option. So, be sure to compare quotes for different levels of cover before deciding on a policy.

Moped insurance with Hastings Direct

At Hastings Direct, we offer quality cover for a price that won't break the bank, whether you're an experienced rider or you've just bought your first moped.

Save money on your moped insurance with a policy that lets you choose what you need without any extras you don't want. Tailoring your policy means you'll get cover that best suits your needs, for the best possible price.

We offer optional extras that include everything from key protection and helmets and leather insurance to personal accident and road rage cover.

Enjoy the freedom of riding the open road with a Hastings Direct moped insurance policy. Request a quote today and see how much you could save.

Bike insurance

Our refreshingly straightforward 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.

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