Moped Insurance
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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:
- Complete the compulsory basic training (CBT) course.
- Pass the theory and practical driving tests.
- Drive the right moped for your licence.
- Ensure the moped is road legal with a V5C registration certificate, road tax, and a valid MOT.
- 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?
What happens if I don’t insure a moped?
Do I need insurance to rent a moped?
How do I insure an electric moped?
Can I use a moped to deliver food?
Do I need special insurance for a classic moped?
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