Moped Insurance

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. 

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. 

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.

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.

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.

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. 

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.

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. 

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.