Cheap 50cc Bike Insurance
50cc Insurance: compare cheap insurance quotes online
Motorcycles with 50cc engines are often relatively cheap to buy, and because their less powerful engines are only able to achieve a maximum speed of 30pmh they can also be ridden by younger riders.
When a rider turns 16 they can apply for their provisional moped licence and complete their Compulsory Basic Training (CBT), which then allows them to ride a moped with an engine size of 50cc or lower, provided they wear L-plates and don’t carry passengers.
However, the lower cost of buying 50cc mopeds (and the simpler licensing requirements) isn’t the only thing that attracts younger riders to 50cc bikes – they are usually significantly cheaper to insure too, which is a major consideration for young riders.
Still, just because 50cc insurance is usually reasonably cost-effective doesn’t mean you shouldn’t shop around. By comparing quotes from a wide range of moped insurers you should be able to find a suitable policy at a truly competitive price.
How can I find cheaper 50cc insurance?
First and foremost, you should use Quotezone.co.uk to compare 50cc insurance quotes each time your insurance is due for renewal, which will increase your odds of finding a great policy at a truly competitive price.
In addition, the following steps could also help to reduce the cost of your 50cc insurance:
- Parking your vehicle in a garage: Almost 30,000 motorbikes are stolen each year in the UK, which means a lot of insurance providers are willing to offer riders cheaper 50cc insurance quotes if they increase their bike’s security by keeping it in a locked garage.
- Using a smart tagging solution: Vehicle tagging can often help to reduce insurance costs too, with insurer-approved tagging solutions like Alphadot and Smartwater potentially shaving a decent chunk off your 50cc insurance premium.
- Agreeing to higher excess: Agreeing to a higher voluntary excess on your 50cc insurance could result in cheaper insurance quotes.
- Paying for your policy annually: Paying for your 50cc insurance on an annual basis is usually a little cheaper than paying it off monthly.
Is it true that third party insurance is the cheapest option for a 50cc moped?
That used to be the case, but more recently the price difference between third party and fully-comp insurance is much less significant, and in some cases third party can even work out more costly.
The best option is to compare quotes for all three levels of cover and opt for the motorbike insurance policy that offers the most comprehensive coverage within your budget.
What are the other levels of cover that are available for 50cc bikes?
Beyond third party insurance, 50cc bike riders have the option to take out a third party, fire and theft or a fully-comprehensive insurance policy.
As the name suggests, fully-comp is the best option because it’s the most comprehensive, so if you can afford it you should definitely consider taking out fully-comp 50cc insurance.
Does fully-comp 50cc insurance cover personal injury?
Yes, most fully comprehensive insurance policies will cover the cost of medical treatment or physiotherapy if you sustain personal injuries during a motorcycle accident, and will usually pay out even if you were at fault.
Can you ride someone else’s 50cc moped if you have a fully-comp insurance policy yourself?
The short answer is “it depends”. Some insurers included third party cover for other 50cc mopeds as standard when you take out a fully-comp insurance policy yourself, whereas other insurers might require you to add this as an optional extra.
That’s why it’s vital that you check your own policy documents to ensure you’re covered before you ride someone else’s bike.