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Moped & Scooter Insurance

You could get specialist 5-star rated cover for less than £117*

  • We’ll find you our best price for the cover you need from our panel of insurers

  • Trusted by riders for over 94 years to provide specialist motorbike insurance

  • Get Defaqto 5-star rated insurance that rewards you

  • Free access to exclusive offers, discounts and competitions on BikeSocial when you buy your insurance policy direct from Bennetts

*30% of customers who took out a new policy between 1st January 2024 and 31st March 2024 and paid annually, paid £117 or less. Price includes IPT. Please note that cover and premiums are subject to individual circumstances

Defaqto rating
Trustpilot rating

About Insurance

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 our 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

Free access to exclusive offers

Get access to discounts, exclusive offers and competitions on BikeSocial when you buy your insurance policy direct

Defaqto 5 Star rated since 2010

Defaqto 5-star rated 2010 to 2024

24/7 claims line

24/7 claims line. The claims team will be there whenever you need them

Riding Mopeds

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.

Riding Scooters

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.

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. 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.

What defines 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, 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.

50cc and 125cc insurance

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.

Learn more about different moped/scooter types

The cost of motorbike insurance can vary due to several factors. When we calculate the cost of your quote, we're assessing the risk of insuring you as a rider, looking at how likely you are to claim and how expensive it would be to pay out if you did make a claim.

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Cheap moped insurance

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:

  • Completing an advanced training course such as those offered by the Institute of Advanced Motorists

  • Keeping your scooter or moped in a garage overnight

  • Fitting approved security systems and locks

  • Owning and riding your moped or scooter for over a year to show consistent riding experience on the same vehicle

For more tips, read out guide on how to get cheaper bike insurance.

Why choose Bennetts?

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 our best quotes possible at our 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 needs and requirements and the most common modifications are covered as standard.

Our UK-based call centre agents are available six days a week to answer any questions you may 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:

Enjoy a range of essential savings for bikers, with a BikeSocial Membership*

The most common modifications covered as standard

Specialist insurance cover tailored to your needs and budget

Five-star product (as rated by Defaqto)

UK-based call centre

90-day EU cover is included as standard

More Why Bennetts

* A BikeSocial membership is only free for customers who buy motorcycle insurance directly from Bennetts.

Moped and scooter insurance quote

Getting a moped insurance quote is easy with Bennetts – we’ll do the legwork to find you our 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 0344 412 2171, 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 for direct customers.


Moped and Scooter FAQs

Go to FAQs page

Yes. Depending on the type of licence you have, moped and scooter insurance would cover passengers while riding on or getting onto or off of your scooter. It would also cover any riders in your sidecar.

Get a quote

We search our panel of insurers to find you our best price for the cover you need