Moped Insurance

The rising cost of fuel, the limited parking and possible congestion charges in city centres, means that many people are turning to mopeds to get around town.

The engine of a moped must not exceed 50cc, which means they benefit from both excellent fuel efficiency and cheap road tax. In addition, their low-level CO2 emissions mean that they are kind on the environment as well as your wallet. Furthermore, their light frames, which must not exceed 250kg, make them ideal for manoeuvring through traffic and parking is never a problem.

They are also are also cheaper to insure than most other vehicles, but specialist moped insurance can be hard to find. That is where MoneySupermarket comes in as, whether you are a 16-year-old looking to insure a twist-and-go moped or have a classic-looking retro scooter to insure, we will compare quotes to get you the cheapest deal.

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Who needs moped insurance?

In short, anyone that has a moped on the road to needs to have it insured.

The UK has one of the worst records in Europe for having uninsured drivers on the road and it is a problem that marketing research group Consumer Intelligence believes is costing the UK insurance industry around £2billion every year. And to cover this insurers directly pass on the costs to every other motorist in the form of higher basic premiums.

To try and combat this problem the government has introduced a set of regulations known as Continuous Insurance Enforcement (CIE), which makes a legal requirement for registered vehicle keepers to ensure their vehicle is insured at all times.

This means that it is an offence to keep a vehicle, including a moped, without insurance unless you have informed the DVLA that the vehicle is being kept off the road and have a Statutory Off Road Notice (SORN).

Anyone that does not comply with these rules could face a fixed penalty notice of £100, a court prosecution with a maximum fine of £1,000 and could even have their vehicle clamped, impounded and crushed.

Do mopeds need to be insured independently?

Even though holders of full UK driving licences can legally ride a moped without L-plates or undergoing compulsory basic training (CBT) - although it is recommended that CBT is undertaken before riding on the road - this doesn’t mean that their moped will be covered by their car insurance.

That is why you need to take out moped insurance and, as with most vehicle policies, there are three types of cover; third-party, third-party, fire and theft and fully comprehensive.

Third-party moped insurance

This is the minimum cover required by UK law but insurers will only pay out on damage caused to another vehicle and not your own. This means that while you may be able to save money on the price of your premium you may find that you cannot afford to repair or replace your moped after a crash or theft.

Third-party, fire and theft moped insurance

This provides the same level of cover as basic third-party insurance but will also pay out if your moped is stolen or if it is damaged or destroyed by fire.

Fully comprehensive moped insurance

As the name suggests, this is the most comprehensive level of insurance you can take out and offers the same level of cover as third-party, fire and theft but will also pay out for your vehicle if it’s damaged or written off in an accident.

Get cheap moped insurance quotes online

Although often cheaper than standard motorbike insurance you still don’t want to be paying over the odds for moped insurance and so it makes sense to shop around and compare quotes to make sure you get the best deal.

By simply using MoneySupermarket’s search tool you can compare quotes to find the best value policy that is right for you. We compare varying different kinds of motorbike policy, including scooter insurance.

You could also get even cheaper premiums by taking advantage of our bike insurance money saving tips.