Moped Insurance

With the rising price of fuel and increasingly congested roads, having a moped can often seem a more attractive option than a car.

The engine size of 50cc means you can enjoy reduced fuel bills, and the low CO2 emissions allow you to feel you’re doing your bit for the environment. You’ll be able to skip through traffic and parking will be a doddle.

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Getting a moped licence

You can ride a moped from the age of 16. You will need to undertake compulsory basic training (CBT) which will allow you to ride your moped with L plates (you do not need to undertake CBT to ride a moped if you passed your full car driving test before February 1, 2001).

CBT is valid for two years. The next step is to take your theory and practical test, and completion of this will give you a full category P (moped) licence. If you hold a full driving test your CBT does not expire.

The importance of moped insurance

Getting moped insurance should be your top priority before you go out on the road. Not only is this a way of protecting yourself financially, it is also a legal requirement. 

The Government recently introduced a new set of regulations known as CIE (Continuous Insurance Enforcement) in response to the high number of uninsured drivers out on the roads.

The UK has one of the worst records in Europe for this, and in turn it costs the insurance industry close to £500 million every year. The shortfall has to be recovered somewhere, and it falls on law-abiding citizens to pay out in the form of higher premiums, working out at around £30 extra on the cost of every policy.

The regulations state that every vehicle must be insured – even if it is sat in the garage and never used. The only exception to this is if a vehicle is declared off the road by obtaining a SORN (Statutory Off Road Notice) from the DVLA.

Steep penalties will be issued to anyone not complying with the new rules. Penalties can include a £1,000 fine, court prosecution and your car being clamped, seized and, in some cases, destroyed.

Types of moped insurance

When it comes to moped owners who are looking for a dedicated moped insurance policy, MoneySupermarket is on hand to do all the hard work for you.

  • First, you’ll need to decide which level of cover you want. As with other vehicles, there are three to choose from:
    Third party moped insurance: This is the most basic, and often the cheapest level of insurance. It covers the costs payable to a third party if you were to be involved in an accident. However, none of your own costs can be recouped so any repairs to your vehicle – or the cost of replacing it – would have to come out of your own pocket.
  • Third party fire and theft moped insurance: You get the same protection as the above, but with the added cover for your car if it is stolen or involved in a fire.
  • Fully comprehensive moped insurance: This offers the highest level of cover and will pay out for any costs/damage to your vehicle as well as that of the third party.

Fully comprehensive policies often include a number of optional extras within their policies, such as legal expenses cover and sometimes even motorcycle breakdown cover, so it is essential you shop around to see what each moped insurance provider has on offer. You should decide what additional protection you require and strip out any that are superfluous – this will reduce the cost.

Get cheap moped insurance quotes

It’s important to make sure you don’t pay over the odds for your moped insurance and get the best combination of cover and price.

MoneySupermarket’s comparison tool will do this for you by searching the market for the cheapest moped insurance policies on offer through leading providers; helping you find a policy which best suits your needs.