Moped and Scooter Insurance

Last updated by on December 19th, 2019

Stand next to a UK road for five minutes and chances are you’ll see lots of mopeds and scooters.

That’s because mopeds and scooters account for around one in three new motorbike sales in the UK.

They’re very popular, not least because they’re the only way that 16-year-olds can get on the road and they’re also pretty cheap in comparison to bigger bikes and cars.

What’s the difference between a moped and scooter?

A moped traditionally had pedals, which is where the name came from, however now a moped is more commonly defined as a bike with a 50cc engine (or smaller) and a top speed of 28mph.

Generally they’re Twist & Gos, automatic, models and look smaller than scooters.

Scooters are by default, 50cc or bigger, usually peaking at about 150cc, and they have higher top speeds as a result.

What licence do you need to ride a moped or scooter?

The licence you need to ride a moped differs to the one you’ll need to ride a scooter.

If you want to ride a moped and only a moped (50cc and a top speed of 28mph) then you’ll need an AM Moped licence to ride without Learner plates.

You can only take the AM Moped test if you have completed your Compulsory Basic Training (CBT) and passed your motorcycle theory test.

You can take this from the age of 17 however if you want to ride a bigger bike, you’ll need to take another motorcycle Test.

If you’re happy riding with L plates then all you need to ride a moped is a valid CBT.

To ride a scooter, essentially a bike of 50cc or more, you’ll need to take your A1 Motorcycle Licence test if you want to ditch the Learner plates.

The A1 licence allows you to ride motorbikes and scooters up to 125cc and you need to have completed your CBT and passed the motorcycle theory test to take it.

Again, if you don’t mind riding with L plates, you can ride a 125cc scooter with just a CBT.

You can take your A1 test from the age of 17.

Is moped and scooter insurance different?

Moped and scooter insurance is no different to policies for standard motorbikes or motorcycles.

You can get ComprehensiveThird Party Fire and Theft or Third Party Only insurance cover, it’s up to you.

The biggest thing about moped insurance quotes and scooter insurance quotes is that they can be expensive, normally because it’s young riders and learner riders who are looking to insure them.

Why do people ride mopeds and scooters?

There are a number of reasons why people decide to ride mopeds and scooters but the main one is price.

There is no cheaper way to life on the road than a moped or scooter, with small capacity bikes being sold for around £500 from new and less for used models.

Moped and scooter insurance is generally cheap, too, so the costs to getting on the road are far less than they would be for a 17 year old car driver.

And if you’re an older rider who loves mopeds and scooters and has no desire to get a more powerful bike, insurance should be cheap.

How can I save money on moped and scooter insurance?

If you’re a young rider and your moped or scooter is your first bike, insurance may seem quite expensive.

As a young rider, your statistically more likely than any other age group to be involved in an accident on the road and make a claim on your insurance.

That means you’re a high risk policy holder for an insurer and forces the cost of your premium up.

The good news is that it should only get cheaper if you keep a clean licence and slowly work your way up the motorcycle licence list.

And there are still ways to reduce what you pay:

  1. Compare quotes

Comparing as many moped and scooter insurance quotes as possible means you won’t pay more than you need to.

With you can fill in one online form and compare quotes from specialist brokers for different levels of cover.

  1. Secure your moped or scooter

Where you keep your moped or scooter overnight has an impact on the cost of your moped or scooter insurance.

If you can, keep your moped or scooter in a secure garage or on a driveway rather than a public road.

Likewise, using an approved security device, like a lock or ground anchor will lower the cost of your premium.

  1. Limit your mileage

If you ride 10,000 miles per year you’re statistically more likely to be involved in an accident and make a claim than someone who is only on the road for 3,000 miles.

It’s important to be as accurate as possible when calculating your mileage, don’t overestimate what you will ride as it will cost you in the long run.

  1. Adjust your excess

As a general rule, the higher your excess, the less your insurance will cost.

Adjust your excess to see how much you can save but remember, you need to be able to afford your excess as a lump sum payment in the event of a claim.

  1. Advanced training

Taking an approved advanced training can result in a lower moped or scooter insurance premium and improve your riding, too.

Where can I get moped and scooter insurance?

You can get your hands on moped and scooter insurance with

We compare quotes from some of the UK’s leading insurers, which means you get to pick your policy from some of the cheapest prices available.

But if you would rather speak to somebody over the phone to compare prices then you can with – the only insurance comparison site where you can.†

Who is mustard?

We are experts in insurance comparison, dedicated to helping you compare quotes online quickly and easily.

We search quotes from some of the UK’s leading insurance providers to help you find the right policy for you at a price to suit your budget.

Don’t just take our word for it, take a look at some of our bike insurance comparison reviews.

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