Moped & Scooter Insurance

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.

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.