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Why get moped insurance?
Before you hit the roads on your new scooter or moped, getting a dedicated insurance policy should be your first priority. Not only will this protect you financially, insurance is also a legal requirement for mopeds.
In response to the high number of uninsured drivers and riders on UK roads, the Government recently introduced the CIE (Continuous Insurance Enforcement) regulations. The UK currently has one the highest records for uninsured drivers in Europe, which costs the insurance industry around £500 million every year – which tends to get added onto the cost the insurance premiums that law-abiding road-users have to pay.
The new regulations state that every road-worthy vehicle have a valid insurance policy, even if it is just sat in the garage and never used. The only exception to this rule is if you have declared your vehicle as off-the-road by getting a SORN from the DVLA.
Penalties for failing to adhere to these regulations can be severe, with fines of £1,000 being issued as well as vehicles being clamped, seized and destroyed. So although you may only have a small moped, you still need to make sure you have an insurance policy covering it if you want to take it out on the road…
Types of moped insurance
The minimum level of moped insurance you can have to legally ride is third party only (TPO) cover. This level of cover will only protect you if you cause damage to a third party’s property (e.g. another vehicle) or cause injury to another person. You will not be covered for any damage to your moped caused in an accident or for fire and theft.
Third party only cover may be the cheapest option, but as scooters and mopeds are quite a high risk vehicle we often advise customers to get at least third party, fire and theft cover. This level of cover will protect against damage to a third party as well as pay out if your moped is damaged by fire or stolen.
Mopeds are frequent target for criminals as they are quite lightweight and easily transportable and they also don’t tend to have too many security features in place.
You can also choose to have fully comprehensive moped insurance, which may be the best option for the more expensive mopeds.
What you need to ride a moped on UK roads…
A major part of the appeal of scooters and mopeds in the UK is that any model with an engine under 50cc can be legally ridden from the age of 16 – rather than the minimum age of 17 for cars.
In order to legally ride a moped on UK roads, you will need the following things in place…
CBT (Compulsory Basic Training) licence – Unless you already have a full UK driving licence, you will need to undertake CBT training before you can legally ride any 50cc scooter or moped on UK roads legally, and you will still be required to wear L plates after this.
Registration – Normally you will get your bike’s registration documents from the previous owner when you purchase it, but if not then you must ensure that you register it with the DVLA.
Road tax – Mopeds and scooters need to be taxed before they can be used on UK roads. Those under 150cc are in the lowest road tax bracket
Insurance – A valid insurance policy is a legal requirement for all vehicles on UK roads, under the government’s Continuous Insurance Enforcement (CIE) regulations.
How much does moped insurance cost?
The big appeal of mopeds are that they are relatively cheap to buy, cheap to run and cheap to insure – which makes them a great choice for young people who need a cost-effective mode of transport to get them to school, college, University etc… as well as commuters who want a quick and cheap way to get to and from work in busy cities.
Moped insurance can costs as little as £85 per year (for those aged over 25 riding a 50cc moped), and on average tend to cost around the £130 mark. The cost of insurance increases the younger you are, with the cost of a policy for a 16 year old riding a 50cc moped being upwards of £200 per year for third party only cover.
That’s is still quite affordable though, working out at less than £20 per month.
Factors that affect the price of moped and scooter insurance
Age – Moped riders with more experience will get cheaper premiums than new/young riders – as these are seen as a higher risk.
Licence and driving courses – In order to legally ride a moped all you need is a provisional licence and L-plates, but the more relevant training courses you take the less of a risk you will appear to insurance companies, which can result in lower premiums.
Size of engine – In general terms, the higher the cc (cubic centimeters) of the engine, the higher the insurance premiums will be. This is because more powerful engines are more at risk of a serious accident, and also because the higher cc models tend to be more expensive.
Security – As with cars, investing in security for your moped could help you save on insurance premiums. Security features like alarms, tracking devices and anti-theft devices can all help to reduce the risk of your scooter being stolen.
No claims bonus – As with car insurance, the more you can prove that you are a safe ride the better the discount you will get – so get building that no claims bonus!
Excess – The higher you set your compulsory excess to be, the lower your premium will be. However, it’s important to only set your excess to a level you can afford to pay in the event of a claim.
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