Moped insurance

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What is a moped?

In the UK, a moped is any low powered motorcycle with an engine capacity under 50cc and a maximum design speed of 31mph.

Moped insurance is generally quite cheap as they’re low powered, slow machines so you’re less likely to high-side out of the first roundabout.

They’re also cheap to buy, which again brings the insurance cost down – particularly beneficial for new riders

What are the legal requirement to ride one?

A moped can be used by a rider that is 16 years or older and can be ridden with a provisional license, a CBT and a completed motorcycle theory test. 

Popular moped models

There are plenty of moped manufacturers out there. Many nowadays often seen on the road tend to be built by Chinese manufacturers, who often offer more affordable models – a big selling point in an extremely price-sensitive market.

Lexmoto are one such Chinese manufacturer and offer a number of moped models that can be picked up for less than £1000, including the Valencia 50, Echo 50, FMR 50 with the Vienna 50 and Milano 50 also offered at a slightly higher price.

Sinnis are another popular Chinese outfit and currently have 3 moped models in their range including the Prime 50, Street 50 and Encanto 50 – all available for under £1000.

Yamaha offer a couple of more premium moped with the Aerox R and Neo’s 4.

Mopeds from European manufacturer Aprilia are also a popular option with the SR 50R proving to be a sporty looking machine. Another notable moped manufacturer is Peugeot, who offer the popular Speedfight 4 and Django range of machines. 

Do you need insurance for a moped?

All motorised vehicles used on public roads will require valid insurance to be legally used. Insurance remains one of those aspects you purchase in the hope you will never need it. Yet, that doesn’t mean you should take the subject lightly. You still need to think carefully about what you are doing, because should the time come that you do need it, the right policy makes all the difference. 

With all the nitty-gritty boiled down, there are three basic types of insurance you can select when looking to insure your moped

Third-party only insurance pays to cover damages or injury to the other person and their property should you have an accident. This does not cover you, your moped or your belongings.

Third-party fire and theft is pretty much the same as above but will cover damages to your moped if it’s stolen or should it catch fire.

Comprehensive insurance does what it says on the tin. Covering a vast range of situations, this will shield financial destruction should damage to your moped occur alongside the circumstances above. Some policies may cover medical expenses if you suffer an injury. Please take note that certain comprehensive policies will offer different things, with different exclusions – such as driving abroad. Some will cover you, others won’t.

For all these choices, you’ll have an excess to pay. This is simply the amount you will have to cough out yourself should you have to make a claim – regardless of what’s happened before, during or after the accident. A lower excess means you will have to put up less of your own money when making a claim. 

So, how much is moped insurance?

Sadly, as with car insurance, young riders just starting on their moped ownership cannot escape the initial expense. New riders pay far more than anyone else on the road. With inexperience abound, insurers see younger moped riders as high risk – basically, you are more likely to crash and therefore claim from your insurer according to their statistics. 

On a similar note, you will not be entitled to any no claims discounts or no claims bonuses yet as these have to be built up.  

Prices for your cover will fluctuate wildly between firms but don’t let that put you off, as there are certain things you can do to keep the cost price as low as possible.

How can I get cheaper moped insurance?

Many riders of small machines are new to the road or new to two wheels and both these factors will increase the cost of their scooter insurance or moped insurance. The only things that can help here to save you cash are to pass the test to get a full licence for your moped or scooter, and get some advanced riding instruction from an approved training body.

Scooters and mopeds are popular targets for thieves or joyriders, so make sure you buy a decent chain and lock (find them in the MCN Shop). Most scooters have space under the seat to carry a heavy duty lock, so there's no excuses. If you buy an approved security device insurers could reduce the level of premium charged.

Shop around. It's quick and easy to compare motorcycle insurance nowadays, through services like MCN Compare. This is especially important for younger riders, as scooter and moped insurance quotes for inexperienced or teenage riders can vary hugely between insurers.

Looking for motorcycle insurance? Head to MCN Compare and get a quote in minutes!