Moped Insurance For 16 Year Olds

Moped Insurance For 16 Year Olds

Owning a moped at 16 can be a great way of getting that extra independence at a price that isn’t as steep as a car. However just as with other types of vehicle, you’ll need to get insurance before hitting the road. There are also some additional hurdles you may face in getting cheap moped insurance as a 16 year old, however it can be done if you know where to look.

How can I get cheap moped insurance as a 16 year old?

Unfortunately your premiums are likely to be more steep as a 16 year old as you’ll be viewed as a greater risk to insure by many insurance companies. The reason for this is that as a young driver you don’t have a driving history for them to assess your risk of causing a claim. Because of this, insurers simply jack up the price for young drivers.

There are fortunately some things you can do to avoid paying more than you need to as a young moped driver however. Here are some practical steps you can take to reduce the costs of your moped insurance.

• Choose a lower-powered moped. Mopeds that have a smaller engine are likely to be considered less risky to insure, For example if you choose a 50cc moped instead of a 125cc moped.
• Take a motorcycle safety course. Taking a motorcycle safety course can show your insurance company that you are a responsible rider, which could lead to a lower premium.
• Install security devices. Installing security devices, such as a disc lock or a telematics, can also help to reduce your insurance premium.
• Shop around for quotes. Get quotes from a number of different insurers before you choose a policy. This will help you to find the best deal possible.

There are also some additional steps that can be taken to reduce your premiums further.

• Consider getting a joint policy with your parents. If you are a joint policyholder with your parents, your insurance premium may be lower. This is because your parents’ driving history will be taken into account when calculating your premium.
• Keep your mileage down. If you only ride your moped for a few miles each week, you may be able to get a lower premium. This is because the less you ride, the lower your risk of being involved in an accident.

Where can I compare moped insurance for 16 year olds?

The easiest way of getting cheaper moped insurance as a 16 year old is to simply compare multiple quotes from different insurance providers. This will significantly increase your chances of finding the cheapest moped insurance available for you.

Here at Quotezone, we have compiled a large panel of insurers for you to quickly compare quotes side by side online. You’ll simply enter your moped details online and start comparing quotes in a matter of minutes.

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16 year old moped insurance: your questions answered

How much is moped insurance for a 16 year old?

Premiums for 16 year olds are usually higher than for older riders because insurers see new riders with no history as a higher claim risk. Choosing a 50cc moped (the legal limit at 16 with a CBT), keeping mileage low, parking off-street and adding a parent as a named driver can all help bring the cost down. Compare quotes from several UK providers, because they price young riders very differently and the spread between cheapest and most expensive can be hundreds of pounds.

What size moped can a 16 year old ride in the UK?

From age 16 you can ride a moped up to 50cc with a top speed of 28mph, on L-plates, after passing your Compulsory Basic Training (CBT). You’ll need a provisional category AM driving licence. You can’t ride anything over 50cc, can’t carry pillion passengers, and can’t ride on motorways until you upgrade your licence at 17 or older.

Can a parent insure a 16 year old’s moped?

Yes. A parent or guardian can take out the policy as the main rider and add the 16 year old as a named driver, which is often cheaper than the 16 year old being the policyholder. The catch: if the 16 year old does most of the riding, this is called fronting and counts as insurance fraud. The main rider on the policy must genuinely be the main user of the moped.

Will a CBT certificate get me cheaper moped insurance at 16?

It can. Some insurers reward riders who have completed CBT (the legal minimum to ride on UK roads anyway) and may offer further discounts for advanced training courses. Combining CBT with a low-powered 50cc moped, off-street parking and security devices like an immobiliser usually produces the cheapest 16 year old moped insurance quotes.