It’s not just motorcycles that need insurance, you’ll also need scooter or moped insurance if you own either of these.
That’s why Bennetts don’t just provide motorcycle insurance – we also provide specialist moped and scooter insurance. We ensure that you have the best cover for your requirements and that you are fully protected by an established and Defaqto 5-star insurer.
Whether you have a scooter or moped - instead of or as well as a motorbike - you can insure it with us either on an individual policy or alongside your other bikes.
Whether you are considering buying your first moped or have just bought it, here’s what you need to know when you are starting out - including the requirements for moped insurance in the UK.
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 pace you can get to places without relying on lifts from your parents. Also, mopeds are remarkably frugal, easily doing 80mpg while remaining incredibly reliable – and you can even get race bike replicas.
To more experienced riders, a moped is a cheap, economical means of zipping through traffic on short journeys, as well as being cheap to run - they cost just £20 a year in motorbike tax. Environmentally speaking, a lot of the new electric vehicles are classed as mopeds due to their small motor size and even the petrol versions are good news for Mother Nature as they generally have lower emissions than cars.
All that's required to get on a moped up to 50cc is a provisional licence and successful completion of a one-day training course called CBT - Compulsory Basic Training. Car licence holders are also entitled to ride a moped if their full licence was issued before 1 February 2001.
It is now a legal requirement for registered moped keepers to insure their vehicles at all times. The government has tightened up the rules by introducing a new set of regulations known as Continuous Insurance Enforcement Scheme. This makes it an offence to keep your vehicle in a garage without insurance unless it has been declared off the road to the DVLA. Hence it is crucial to get your moped insured before you hit the road. Whether you ride Peugeot or Piaggio, make sure you are fully covered all year round.
Perhaps you have, or are about to buy, a scooter, rather than a moped. If so, here’s everything you need to know about the joys of scooters - including the requirements for scooter insurance in the UK.
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. 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 include a generally excellent fuel economy and that they reduce congestion.
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, for example. 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.
A 50cc scooter or 125cc scooter is the perfect commuter vehicle, 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.
Scooters and mopeds tend to have a smaller engine than the average motorcycle and therefore are the cheapest to insure out of all bike types. In addition, there are few things you can do to cut the cost of your insurance premium even further.
Several ways you might be able to get cheap moped or scooter insurance, include:
So, why choose Bennetts for your insurance policy? Firstly, we work closely with our trusted 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.
Our specialist insurance cover is tailored to your exact needs and requirements and 17 of the most common modifications are covered as standard.
There’s someone at our UK-based call centre every day of the week to answer any questions you may have and you can get a quote or buy online, 24 hours a day, 7 days a week.
But, that’s not all. Here are some other reasons you should choose Bennetts for your moped or scooter insurance:
Getting a moped insurance quote is easy with Bennetts – we’ll do the legwork to find you the best premium for your requirements from our panel.
Simply complete our online form for an instant scooter insurance quote, or call our dedicated UK-based call centre on 0330 018 7990, who are on hand 24 hours a day, seven days a week to find our best deal for you.
You’ll also be able to find out more about the perks that come from being a Bennetts customer including our membership scheme.