Hastings Direct — Car, Van, Bike & Home Insurance

Scooter insurance

With fuel prices climbing and congestion clogging up the UK's major cities, people are turning to other forms of transport to get them from A to B.

Scooters offer an affordable, reliable and economical way to travel, whether they're used for riding to work, nipping to the shops, or pottering around town.

From Italy's iconic Vespas and Lambrettas to maxi-scooters and modern electric models, scooters are proving to be an increasingly popular choice among new and experienced riders alike.

You'll be saving money on fuel and general running costs by riding a scooter, so why not save on insurance, too? At Hastings Direct, we provide customers with quality cover for a price that won't break the bank.

What's the difference between scooters and mopeds?

Scooters and mopeds are similar in the way they look, as they usually both have a step-through frame.

But, the main difference is in the engine. Mopeds often have an engine size of 50cc or less, reaching a top speed of around 28mph. Scooter engines, on the other hand, usually range from 50cc-150cc, though maxi-scooter engines are much larger.

Mopeds are smaller than scooters, but the wheels are generally bigger. And in terms of cost, scooters tend to be more expensive than mopeds due to them having more power and on-road capabilities.

Why choose a scooter over a car?


You could potentially save a huge amount of money by riding a scooter. Not only do scooters offer higher mpg, saving you money on fuel, but you'll pay less for tax, MOT and possibly insurance, too. Scooters also depreciate slower than cars, so you'll lose less money if you do decide to sell it.


Travelling to work via scooter may spell the end to waiting in traffic jams and tailbacks. You'll be able to nip in and out of stationary cars, arriving at the office on time and with a smile on your face.


If you're conscious about your impact on the environment, scooters are more economical than fuel-powered cars, owing to their higher mpg and ability to zip through traffic.

Young riders

Scooters offer a great mode of transport for young riders aged 16 and up, though they are limited to riding up to 30mph.

Types of scooter insurance

When it comes to scooter insurance, there are three levels of cover to choose from:

Third party

This is the basic level of insurance required by law. If you're involved in an accident on your scooter, the policy covers cost for damage caused to the other person's vehicle, plus any medical treatment fees. But, if your scooter is damaged or you need medical treatment after the accident, you'll have to foot the bill.

Third party, fire & theft

Third party, fire & theft offers the same benefits as third party, plus additional cover for your scooter if it's stolen or damaged by fire.

Fully comprehensive

Fully comprehensive is the highest level of insurance. In the event of an accident, the policy covers costs for damage to the third party's vehicle plus your own, as well as costs for treatment fees for you and the other driver.

People often assume that a third party policy is the cheapest option, but this isn't always the case. That's why it's important to compare quotes for different levels of cover before deciding on a policy.

Saving money on your scooter insurance

There are plenty of things you can do to increase your chances of securing a great deal on your scooter insurance, such as:

Limit your mileage: The fewer miles you ride, the less risk you are to other road users. So, reducing your mileage could knock money off your premium.

Keep a clean record: Safe, responsible riding is key to keeping insurance costs as low as possible. If you're ever convicted of a riding offence and get points on your licence, you could see your premium skyrocket.

Increase your excess: Raising the amount of voluntary excess could see your premium drop, but make sure it's a figure you can realistically afford to pay if you ever need to make a claim.

Boost security: Anything you do to make your scooter more secure can lead to cheaper insurance. This includes using a factory-approved alarm and ground anchor, and parking it in your garage or on your driveway overnight.

Hastings Direct scooter insurance

As well as providing customers with competitively priced scooter insurance, our policies feature a wealth of benefits as standard plus a range of optional extras.

Optional extras include everything from personal accident cover to key protection and helmet and leathers insurance. The ability to tailor your policy to suit your individual requirements helps to make sure you're not paying over the odds for cover you don't need.

Get a bike insurance quote with Hastings Direct 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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