Moped Insurance

Moped Insurance

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 of 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.

The need for specialist moped insurance

Like scooters, mopeds are relatively inexpensive to maintain and reliable to run, making them a popular mode of transport in today’s unfavourable economic climate. According to MCIA statistics, moped riders now account for 17% of the UK’s bike riding population [Bennetts Customer Base sample: August 2011].

The overall value of a moped is significantly lower than a larger capacity motorcycle – with some new models costing less than £1,000 on the road – so the cost of replacing one if it is written off or stolen is significantly less too. In addition, simple bodywork and parts that are cheap to repair also help contribute to lower moped insurance premiums as the cost is directly related to the cost of settling any claim.

The benefits of insuring your moped with Bennetts

We’re not just motorcycle insurers – we also provide specialist moped 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

Check out our additional extras and added value cover options such as RAC breakdown and Personal Accident Cover.   

How to get a quote

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.

Other bike insurance types
Naked InsuranceScooter Insurance | Sports Insurance | Tourer Insurance | Superbike InsuranceCruiser Bike Insurance | Commuter Bike Insurance | Young Rider Insurance

Get a moped insurance quote with Bennetts >>
Call us on 0844 209 0496

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