Moped and Scooter Insurance
You could get specialist 5-star rated cover for less than £143*
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
*50% of customers who took out a new policy between 1st May 2024 and 31st July 2024 and paid annually, paid £143 or less. Price includes IPT. Please note that cover and premiums are subject to individual circumstances
About moped and scooter 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
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 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 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 £24 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.
Who can ride a moped?
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.
Ensure your moped is insured.
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.
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 often 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
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
* 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.
FAQ
Moped and Scooter FAQs
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.
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