Scooter Insurance

Owning a scooter can be a great alternative to having a car. They’re nippy, more environmentally friendly and cheaper to run as they don’t guzzle so much fuel. Their smaller engines mean they’re a savvy choice for cash-strapped Brits struggling to cope with record fuel prices.

However, scooters aren’t the easiest vehicle to insure, and the downside is that it can be difficult to find a suitable policy that is both competitive and tailored to your needs. Fortunately, MoneySupermarket has a dedicated scooter insurance channel to assist you in solving this problem and help you find a policy.

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Is scooter insurance mandatory?

Whether or not your scooter is locked away in a garage and never used or you’re out on the open road every day, it must be insured. There has been a major clampdown on this recently in a bid to cut the numbers of uninsured drivers in the UK which has one of the worst rates in Europe.

According to market research group Consumer Intelligence, law abiding citizens pick up the deficit of the £2billion lost through uninsured vehicles every year in the form of higher premiums. With the cost of living rising all the time, this is something we can all do without.

This new legislation introduced last year - Continuous Insurance Enforcement - made it compulsory for every vehicle to be insured, regardless of whether they are out and on the road or unused and sitting tucked away in a garage. The only exception to this is if you have declared your vehicle to be off the road by contacting the DVLA and obtaining a SORN (Statutory Off Road Notice.) So, insuring your scooter really is essential.

In the past, it was only considered an offence if your car was on the road and you were out driving without insurance. However the clampdown intends to seriously cut the number of uninsured drivers with the Motor Insurance Database and DVLA working together to compare their records and identify offending vehicles.

Avoiding paying insurance could land you in deep water and you may face steep penalties. Not only could you expect to pay a fine of £1,000, your scooter may also be seized and destroyed. Therefore, not having insurance just isn’t worth it.

Where can I find a cheap scooter insurance quote?

Fortunately, scooter insurance tends to be cheaper than car insurance and consequently is another reason why more people are choosing this alternative mode of transport.

Traditionally, there are fewer claims by owners and therefore scooters attract cheaper premiums. Repairs are not as costly as cars and they are viewed as lower risk than other vehicles due to the maximum speeds being relatively low and the size of their engines relatively small. Therefore it is worth shopping around to find the best possible deal and ensure you are not paying over the odds. Go to Moneysupermarket’s scooter insurance comparison channel to compare deals and find a cheap quote. Always check that your policy includes everything you need and take time to go through the small print.

Mopeds are also becoming increasingly popular and also attract lower insurance premiums. For a channel dedicated specifically to this go to MoneySupermarket’s moped insurance channel. You can compare a range of quotes and compare policies side by side to see which is the best deal for you.

And for further cost reducing ideas, reading our bike insurance money saving tips could also afford you big savings.