Login Menu

Moped Insurance

Cheap Moped Insurance

  • Compare up to 25 providers & you could pay less than £285*
  • Access cashback & rewards
  • 97% of reviewers recommend us

Search and compare cheap quotes from up to 25 UK motorbike insurance providers, including

Bike Insurance
Bike Insurance
Bike Insurance
Bike Insurance
Bike Insurance
Bike Insurance

Compare 50cc Moped Insurance Quotes

Understanding moped insurance

What qualifies as a moped?

Mopeds are often confused with scooters. However, the key characteristics that mark a bike as a moped are its power and speed. Mopeds typically have an engine with under 50cc of power and a top speed of around 30mph. Meanwhile, scooters can be more powerful, with some exceeding 125cc. 

What age can you drive a moped in the UK?

Mopeds are some of the first vehicles you can access as a young driver in the UK. From the age of 16, you can start to pursue your category AM driving licence on a moped. 

For 17-year-olds, more powerful options like 125cc scooters or motorbikes become available with a category A1 licence.

Mopeds are tailored to the needs of young bikers, with automatically adjusting gears and wider tyres for more stability. However, there are limits, and mopeds cannot be legally driven on motorways due to their low speed. 

What do I need to drive a moped?

If you want to independently and legally drive a moped on UK public roads, you will need to ensure you have a few things covered. Whether these are your responsibility will depend on whether you are driving your own moped or using one belonging to a friend or family member. 

Assuming you own the moped, you will need to:

  1. Complete the compulsory basic training (CBT) course.
  2. Pass the theory and practical driving tests.
  3. Drive the right moped for your licence.
  4. Ensure the moped is road legal with a V5C registration certificate, road tax, and a valid MOT.
  5. Take out moped insurance, or get added onto an existing policy as a named driver.

How do I get insurance for a moped?

If you are the main driver

You will need to take out your own insurance policy. This gives you more control over the coverage level, excess, and policy features you choose. Plus, you can start building your own “no claims bonus,” which can help you get cheaper insurance in the future. 

If someone else is the main driver

You can be added to their existing policy as a “named driver”. This will likely be cheaper, however, you will need the main rider’s permission, and you can not build your own no claims bonus when you insure this way.

What does moped insurance cover?

Just like with other bike insurance policies, you have three main coverage levels to choose from when insuring a moped:

Third party only cover

This is the lowest level of insurance cover that you will need to legally drive on public roads in the UK. It helps provide financial support if a claim is made against you by someone else. For example, if you cause an accident on the road or accidentally damage someone else’s property.

Third party, theft and fire

This offers third party cover along with some protection for your moped too. If your moped is stolen or damaged in a fire, this cover will help pay for its repair or replacement.

Comprehensive cover

This offers all the cover of the other two options while giving even more protection for you and your bike. Coverage varies on these policies, but can include protection against medical costs if you are in an accident, and cover for your bike if you are at fault.25

How much is moped insurance in the UK?

The average 50cc moped insurance cost in the UK is relatively low when compared to motorbikes and cars. This is partly because they are slower, less powerful, and cheaper vehicles overall. However, premiums vary hugely based on:

  • Your age
  • Where you live
  • How you plan to use your moped
  • The market value of your moped
  • If your moped has any modifications
  • The coverage you choose on your insurance policy
  • The insurance provider you pick

How can I find cheap moped insurance?

These tips could help your search for cheap moped insurance for a 50cc moped, even if you are a young or first time rider:

Choose your moped carefully

The make and model of your moped will reflect its value and the cost of repairs. Classic models and mopeds with modifications will likely be more expensive to insure.

Improve your moped’s security

Security features like alarms or immobilisers could help keep costs down as they lower the risk of theft. Securing your moped overnight could also help with this.

Look for telematics policies

Telematics policies are perfect for young drivers. They let insurers track your driving habits and provide proof of safe driving in exchange for lowered insurance costs. 

Increase your voluntary excess

Excess is the amount you agree to pay per claim you make. Choosing higher excesses can bring initial costs down, but just be sure you are still able to cover the cost in the event of an accident or claim.

Consider temporary insurance policies

If you only need short term cover, policies are available from as little as 1 day up to several months. The bonus is that you only pay for the time you need, rather than an annual policy. 

Compare moped insurance quotes

Using our comparison site here at Quotezone means your insurance needs are matched to policies from up to 25 trusted UK bike insurers. Comparing multiple personalised quotes means you don’t pay over the odds. 

Moped insurance FAQs

What is the average 50cc moped insurance cost?

The good news is that 50cc moped, or even 50cc motorbike insurance costs, are some of the lowest across all bikes. Their low powered engines mean they can’t reach high speeds, so accidents are less common. And when they do happen, they cause less damage, and the bikes are cheaper to replace. This low risk means insurers can offer cheaper premiums. 

What happens if I don’t insure a moped?

If you are caught driving a moped without insurance, you could be given a fine of £300 and 6 points on your licence. In worst-case scenarios, you could also be banned from driving. Having points on your licence means your insurance costs will likely be more expensive in the future, and some insurers won’t cover you at all.

Do I need insurance to rent a moped?

Yes, you will need a minimum of third party cover in the UK. While rental companies often offer insurance, you could also have the option to take out a temporary policy on your own. And this could be the cheaper option.

How do I insure an electric moped?

With electric scooters and mopeds becoming more popular, more insurers are offering cover for these vehicles. At Quotezone, you can find insurance for electric vehicles in the same way as standard mopeds. Get quotes for insuring your electric moped now

Can I use a moped to deliver food?

Yes, however, you will need the correct insurance. While standard moped policies will offer business use cover, this is not enough if you are using your moped to deliver food or parcels. For this, you will need specialist courier insurance, also known as hire and reward insurance.

Do I need special insurance for a classic moped?

If you have a classic moped, fewer insurers would be willing to offer protection. When you compare insurers who specialise in classic bikes, you could not only get more tailored cover, but you could also save money. 

Looking for Cheaper Motorcycle Insurance?

search

Search up to 25 different bike insurance providers

Quotezone increases your chance of finding a great deal by searching the market for you.

phone

Buy online or by phone

Purchase your bike policy quickly and easily, monthly and annual payment options available.

time-money

You could save time and money

Get your quotes by filling in one simple form, compare prices, and start saving.

person

Over 4 million users

Join our ever-growing list of satisfied customers today.

secure

Secure & Encrypted

We guarantee your confidence when shopping online by following the latest internet security standards.

scales

Independent and unbiased service

We aren’t owned by or have any investment from any insurance company.

What people have to say about us

Really good service and price , thank you..

Nicola

Value for money, very easy to navigate your on line quote, will definitely use you again.

Lyn

Bolton, United Kingdom

4.74/5 from 3403 customer reviews

*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in January 2025 were quoted less than £284.82. The price you could achieve is dependent on your individual circumstances.