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Scooter Insurance: compare cheap scooter insurance quotes online
Unlike mopeds, which have a maximum engine capacity of 50cc and a maximum speed of around 30mph, scooters aren’t defined by their engine size or maximum speed.
In fact, a scooter’s engine capacity can range anywhere from 50cc right up to 750cc. The main factor that distinguishes a scooter from a regular motorcycle is the fact that the scooter will have a platform where the rider can put their feet while they’re riding it.
But like mopeds, scooters are often a cost-effective and fuel-efficient mode of transport for urban areas, particularly those with lower engine sizes. That’s why both scooters and mopeds are becoming increasingly common in large towns and cities right across the UK.
Beyond fuel efficiency, though, there’s another way scooters can prove to be cost-effective for their riders – they’re often relatively cheap to insure.
Of course, if you own a 750cc scooter then the vehicle’s high engine capacity is likely to push the cost of your insurance up quite considerably, but for most scooters with more modest engine sizes the cost of scooter insurance is usually fairly cheap.
Of course, that doesn’t mean you should accept the first scooter insurance quote you’re offered – particularly if it’s a renewal quote from your existing provider, which is almost always more expensive than the price you’d be offered by a new insurer.
That’s why it’s a good idea to compare scooter insurance quotes each time your policy is due for renewal.
Is scooter insurance cheaper than insuring an ordinary motorbike?
The average cost of scooter insurance is a little cheaper than the cost of insuring a standard motorcycle, because on average a scooter is worth less than a motorbike. Scooters are often cheaper to repair too, which again can translate into lower insurance premiums.
Of course, that’s based on UK averages and doesn’t take into account the specific details about your own scooter, your particular location and your driving record. The best way to get an accurate idea of how much your scooter will cost to insure is use Quotezone.co.uk’s scooter insurance comparison service, which will allow you to compare quotes from a range of different providers.
How can I find cheaper scooter insurance?
Firstly, don’t accept your insurance provider’s renewal quote without using Quotezone.co.uk to compare quotes from different providers first.
Beyond that, the following steps could also help you find cheaper scooter insurance:
- Parking your scooter in a locked garage: Almost 30,000 motorcycles are stolen in the UK each year, so if you’re able to reduce the risk of scooter theft by locking your vehicle in a garage overnight you could benefit from cheaper scooter insurance.
- Using a smart tagging solution: Tagging your scooter with a smart tagging solution like Smartwater or Alphadot can often help to reduce insurance costs too.
- Paying annually: While many insurers will offer riders the option to pay for their scooter insurance on a monthly basis, they’ll usually charge for the privilege.
- Agreeing to a higher excess: The mandatory excess on your scooter cover will be predetermined by your provider, but most insurance companies will also allow policyholders to add a voluntary excess. Doing so could reduce the upfront cost of your scooter insurance.
What levels of cover are available for scooter insurance?
As with car insurance, when you’re insuring a scooter you’ll have three levels of cover to choose from:
Third party only (TPO) scooter insurance – This is the minimum level of cover required by law in the UK, and as the name suggests it’s designed to protect third parties when you take to the roads.
Third party, fire and theft (TPFT) scooter insurance – The middle ground option, this level of cover protects third parties but will also insure you against the risk of scooter theft or fire damage.
Fully comprehensive scooter insurance – As the name suggests, this is the most comprehensive level of scooter insurance you can take out, and is the only type of policy that can cover the cost of repairing or replacing your own scooter if you are involved in an at-fault road accident.
Does fully-comp scooter 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 road traffic accident, and will usually pay out even if you were at fault.
What about E-scooters?
E-scooters, also know as motorised scooters, are small stand up scooter typically classified as a Personal Light Electric Vehicle (PLEV). They are usually powered by an electric motor and are capable of reaching speeds of 30mph. With the desire for cleaner, greener modes of transport to work, the E-scooter seems to be a popular choice in the more densely populated urban centres such as London. However many drivers don’t know that these scooters are prohibited from operating on the road, doing so can incur penalty points and fines.
What our experts say:
“For those thinking of investing in an e-scooter this Christmas, you need to be aware that you can’t use them in public spaces unless via rental schemes. Riders who buy or hire e-scooters and use them outside of any of the trial areas or on public roads could end up with a £300 fixed-penalty notice and six points on their driving licence – which could in turn push premiums up by 25%.” – Greg Wilson, Founder of Quotezone.co.uk.
There is a growing push to have E-scooter use on the road and cycle paths legalised. If and when this occurs, these vehicles will likely need to be registered, maintained and insured.