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moped insurance

Moped insurance is a legal requirement, and the minimum coverage is third party moped insurance, the most basic, and often the cheapest level of insurance. In this article, you will find information about moped insurance, and comparisons for finding the best insurance for your moped.

Contents

Moped insurance


Read about moped insurance and what you should consider if buying one.

What is a moped insurance?

Moped insurance provides coverage for your moped in case of an accident or damage to the vehicle. It is a legal requirement. There are three levels of coverage: third party moped insurance, third party fire and theft moped insurance, and fully comprehensive moped insurance.

  • Third party moped insurance – Covers costs payable to a third party (for their vehicle) in case of an accident. All costs to cover your moped would be not covered, and out of your own pocket
  • Third party fire and theft moped insurance –  Same protection as above, but added if your bike is stolen or in a fire
  • Fully comprehensive moped insurance – Highest coverage that covers and will pay out any costs / damage to your vehicle, plus the third party’s vehicle

Do you have to have insurance on a moped?

Yes, moped insurance is a legal requirement once you own a moped.

What is an electric moped insurance?

Electric mopeds or motorbikes are basically the same as their petrol counterparts but are driven by an electric motor powered by a rechargeable battery as opposed to a combustion engine. The insurance coverage is the same policy as the standard moped insurance, and it is good to shop around to find the best fit for you.

What is a classic moped insurance?

Classic bikes will often need a different type of insurance to protect them. Policies may differ between insurers but it’s important to consider:

  • Fully Comprehensive cover – Provides the highest level of protection, and will pay repairs to the classic if it’s damaged
  • Agreed values – Most classic bike insurers will agree to a set value of your classic bike when the policy starts
  • Limited mileage discount – If your bike is kept on display for most of the year, many insurers will provide a discount

Read more: Confused.com

Cheap moped insurance in the UK: Compare quotes and the market


The easiest way to get cheap moped insurance is to use one of the many online comparing services. We have listed some of the major players below:

Moped insurance at Go Compare

Go Compare is price comparison platform for insurance, travel and other products.

Read more: Go Compare

Moped insurance at Moneysupermarket

MoneySavingExpert.com is a guide that provides basic information about home and contents insurance, a comparison to find the cheapest policy, how to file claims and how to file a complaint against your provider. Depending on your situation, it’s good to evaluate what type of moped insurance is right for you.

Read more: Moneysupermarket

What is the average cost of a 50cc moped insurance?

According to BoughtByMany, the average cost of a 50cc moped insurance per year is £85 for a 25 year old, and £220 for a 16 year old.

How much is a short term moped insurance?

If you only need moped insurance for a few days up to a month, there is short term moped insurance available.

It’s important to note that short term moped and motorbike insurance is rare, and you will need to research to find options for comparison.

How much is a one day moped insurance?

It is possible to take out one day moped insurance, but prices may vary due to the driver’s age, type of vehicle, and length of time.

Please note that if you’re a drive under the age of 21, one day or short term moped insurance may be very expensive or even prohibited.

What does a moped insurance cost for 16 year old?

According to BoughtByMany, the average cost of a 50cc moped insurance per year is £220 for a 16 year old. Due to the young age and the statistically higher risk of accidents with a younger drive, the price of insurance will be higher.

What is the best moped insurance?

According to BoughtByMany, there are several options for best moped insurance that vary depending upon your circumstances, and the type of policy required. Check out the website for their comprehensive review of their Top 10 Best moped insurers.

BoughtByMany brings together the best moped insurers from independent financial research and customer reviews.

Read more: BoughtByMany

How much is a 125cc moped insurance?

Mopeds or bikes with 125cc will come with a great cost for insurance, and prices vary depending upon your circumstances and type of policy required. It is best to shop around and compare prices with representatives to understand what is the best match.

What is the average cost of a scooter insurance?

The average cost of scooter insurance will vary depending upon your circumstances and the type of policy required for the vehicle. It is best to shop around and compare prices with representatives to understand what is the best match for your scooter.

How much is insurance for a mobility scooter?

The average cost of mobility scooter insurance will vary depending upon your circumstances and the type of policy required for the mobility scooter.

For example, Surewise offers several different policies depending upon the customer circumstances. It’s best to do research and cost comparisons with representatives to find the best price for you.

Selected moped insurance companies and brokers


Here is a list of some selected moped insurance providers:

Moped insurance at Asda

Asda offers a range of financial products such as a moped and motorbike insurance.

Read more: Asda

Moped insurance at Direct Line

Currently, Direct Line does not offer moped, scooter or motorbike insurance.

Direct Line offers home, car, pet and other forms of insurance.

Read more: Direct Line

Moped insurance at Tesco Bank

Currently, Tesco Bank does not offer moped, scooter or motorbike insurance.

Tesco Bank aims at providing simple and straightforward banking and insurance products that provide good value and reward loyalty.

Read more: Tesco Bank

FAQ


Find the answers to your questions about moped insurance or your questions related to moped insurance.

What do you need to drive a moped?

For driving a moped, you will need the following:

  • CBT (Compulsory Basic Training) – This training is required before you can ride any 50cc scooter or moped. More information on the GOV.co.uk website
  • Registration – Ensure that it’s registered with the DVLA before it can be driven legally on the road
  • Tax – Bikes under 150cc fall into the lowest tax bracket, and can be as little as £17 per year. More information on the GOV.co.uk website.
  • Insurance – Active insurance is required in the UK.

Read more: Go Compare

Are mopeds and scooters the same thing?

Yes, mopeds and scooters are the same thing.

What is the tax on a moped?

Tax on scooter or moped, as long as it’s under 150cc, fall into the lowest tax bracket, which can cost as little as £17 per year. You can find more information on the GOV.co.uk website.

What cc bike can I ride?

According to UK Motorcycles and Moped Laws and Licences – 2017,  you can ride a 50cc (max) without L plates. If you want to ride a 50cc to 125cc, you will need to take the CBT (Compulsory Basic Training). Once you have a valid CBT certificate, you can ride a 125cc with L plates.

What is a CBT test?

Compulsory Basic Training (CBT) test is a training course you usually have to take before driving a moped or scooter on the road, and is not a test that you pass or fail. Next, you must pass your motorcycle or moped test within 2 years, or you will have to take the CBT again. After taking the CBT, you can use the L plates.

For more information, check out the GOV.co.uk website on CBT.

Do I need to do a CBT?

Yes, you need a CBT if you would like to moped between 50cc to 125cc. You do not need the CBT if:

  • you want to ride a moped up to 50cc, and you passed your driving exam before 1 February 2001
  • want to ride a motorcycle, and have a full moped licence from passing a test since 1 December 1990
  • have a full motorcycle licence from one category, and want to upgrade to another one

For more information, check out the GOV.co.uk website on CBT.

How much does it cost to do a CBT test?

The cost is generally between £100 and £130 at most training schools.

How long does it take to get a CBT?

The training with the instructor generally takes about a day. However, if the instructor is not satisfied with your training, you may need to come back an additional day.

What does a CBT allow you to ride?

Once you have done the CBT, you will be allowed to ride a moped or scooter between 50cc to 125cc with the L plates.

Do I need to take a CBT with a full driving Licence?

You may take the CBT with a provisional driving licence, and be at least 16 years of age.

Can you drive a 250 on a CBT?

No, the most you can drive is 125cc on a CBT.

Can you ride a 125 geared bike on a CBT?

Yes, you can ride a 125cc bike on a CBT as long as the training is still valid, and you have the L plates.

Can you ride a moped at 16?

Yes, you can ride a moped at 16 only if you have your provisional driving licence and the CBT (Compulsory Basic Training) completed.

When can you ride a motorcycle?

You have to be at least 16 years of age with a provisional driving licence, and passed the CBT (Compulsory Basic Training) with the L plates.

How do you get a license for a moped?

You will need to get a provisional driving licence and then take the CBT (Compulsory Basic Training) with the L plates. After that, you can take the mopeds full tests.

For more information, check out the GOV.co.uk website on Riding mopeds.

What is an a2 licence?

An A2 licence is the licence category for a standard motorcycle.

For more information, check out the GOV.co.uk website on Motorcycle Licences.

How do you get a motorcycle Licence?

You will need to get a provisional driving licence and then take the CBT (Compulsory Basic Training) with the L plates. After that, you can take the motorcycle full tests.

For more information, check out the GOV.co.uk website on Riding Motorcycles.

What license to ride a 125 cc?

In order to ride a 125cc, you will need to take the CBT (Compulsory Basic Training) with the L plates, and already have your provisional driving licence.

Do you need insurance for a mobility scooter?

Insurance for mobility scooters is not required but is recommended. You will need to register a mobility scooter if it calls into the class 3 invalid carriages.

For more information, check out the GOV.co.uk website on mobility scooters.

What is the difference between a motorcycle and a moped?

A moped does not have the engine capacity beyond 50cc. A scooter is stylistically different, and is classified as a motorbike because it can go anywhere from 50cc (like a moped) or much higher. A motorcycle is a two-wheeled motor vehicle, and more of an umbrella term that both moped and scooter can fit underneath.

References


https://www.moneysupermarket.com/motorbike-insurance/moped-insurance/
https://www.moneysupermarket.com/motorbike-insurance/electric/
https://www.confused.com/motorbike-insurance/classic
https://boughtbymany.com/news/article/how-much-does-moped-insurance-cost/
http://www.gocompare.com/motorbike-insurance/short-term-cover/
https://www.moneysupermarket.com/motorbike-insurance/one-day/
https://boughtbymany.com/news/article/best-moped-insurance-2017/
https://www.confused.com/motorbike-insurance/scooter
http://begin-motorcycling.co.uk/compulsory-basic-training/

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