Moped & Scooter Insurance

Moped and Scooter insurance from BennettsWe don’t just provide motorcycle insurance – we also provide specialist moped and scooter insurance cover. Whatever make or model you may ride, you’ll want to ensure that you have the best moped insurance cover for your requirements, and that you are fully protected by an insurer you can trust.

We work closely with our panel of insurers to compare moped insurance policies and obtain the best quotes possible at the most competitive prices. We can offer comprehensive, third party fire and theft or third party-only moped insurance cover as well as a number of additional benefits:

  • we compare several insurers to find you the best available moped insurance quote
  • monthly payment plans to make your life easier (subject to status)
  • 90 days European Union cover included as standard
  • 24-hour accident and claims team
  • UK-based call centre, open seven days a week
  • Getting a quote for moped insurance is easy with Bennetts – we’ll do the legwork to find you the best premium for your requirements.
  • Simply complete our online form for an instant quote, or call our dedicated UK-based call centre on 0800 107 7990, who are on hand 24 hours a day, seven days a week to find the best deal for you.

How to get a quote

Using a Moped

Mopeds are favoured by 16-year-olds who are legally allowed to ride a 49cc motorcycle with ‘L’ plates once they have completed their CBT, car licence holders are also entitled to ride mopeds if their full licence was issued before 1 February 2001.

Some mopeds come with gears, some are ‘twist and go’, although the most famous moped of all time – the legendary Honda Super Cub had gears. Built by Honda in 1958, the Super Cub is the most produced vehicle in history and over 60,000,000 have been made to date. It is almost impossible to find anyone involved in motorcycling who hasn’t ridden a Cub and nearly every racer or bike enthusiast learnt to ride by thrashing a Cub around a muddy field when they were too young to venture onto the road.

The benefits or riding a moped

As a young rider, the biggest benefit of a moped is the freedom it offers you. They may be limited to 28mph, but even at this slow pace you can get to places without relying on lifts from your parents. Also, mopeds are remarkably frugal, easily doing 80mpg while remaining incredibly reliability – and you can even get replicas of your racing hero’s steed.

To more experienced riders, a moped is a cheap, economical means of zipping through traffic on short journeys and as well as being cheap to insure they cost just £16 a year in road tax. Environmentally speaking, a lot of the new electric vehicles are classed as mopeds due to their small engine size and even the petrol versions are good news for Mother Nature as they don’t sit in queues pumping out fumes like cars.

Using a Scooter

According to UK registration criteria, a scooter is a style of motorcycle in much the same way as a sports bike or a naked bike is a style. 

As long as it is above 49cc and is a motorcycle with a step through frame (allows you to sit with your feet together on a footboard as the frame runs along the floor) then it is classed as a scooter. 

The mounting of the engine, which is usually combined with the rear swingarm or located below the rider’s seat, allows this unique kind of frame design.

Despite scooters being recorded as existing before 1914, most generally regard the Vespa as the first ‘scooter for the masses’. Launched in 1946, the Piaggio Vespa (which means wasp in Italian, a reference to the noise the two-stroke motor made) brought scootering to Europe and with the Innocenti Lambretta following a year later, a whole craze was started – one that continues to this day.

In the 1960s ‘Mods’ chose the scooter as their mode of transport as it was far cooler than a British bike that leaked oil on your sharp suit. The scooter scene hit a worldwide audience when the film Quadrophenia, which depicted Mod life, was released in 1979.

Nowadays a scooter isn’t limited to a small engine, maxi-scooters are generally over 500cc and Aprilia have just unveiled an 850cc scooter!

The benefits of riding a scooter

As the majority of scooters are ‘twist and go’ they don’t have a clutch, making them easier to ride through congested cities. Commuters love the fact that most scooters have large under seat storage compartments, meaning that you don’t have to lug a helmet around the shops, and also the weather protection offered by the riding position. Scooter ‘aprons’, which are waterproof covers that stretch from the headstock and rest over the rider’s knees, increase the usability in poor weather and keep your legs toasty too.

With congestion charges, the cost of train tickets, limited parking and high petrol prices, scooters are becoming increasingly popular for inner-city commuters. The environmental benefits don’t only include the generally excellent fuel economy of scooters, but also the fact that they reduce congestion.

50cc and 125cc Scooters

A 50cc scooter or 125cc scooter is the perfect commuter, with plenty of nippy power for crossing town in the traffic, and a lightweight manoeuvrability that will leave most other vehicles jealously watching you as you weave out of sight. What's more, while motorbikes are all too often about performance first, with practicality coming as an afterthought, scooters are one of the most practical ways to get around.

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