Scooter and Moped Insurance
Whatever the bike you have – whether it’s a 49cc moped you’re learning to ride or a top of the line Vespa or BMW scooter – we can help you find the right scooter or moped insurance for your needs. With Asda Money, you can compare quotes from some of the UK’s leading insurance companies to find a price you’re happy with. The scooter and moped insurance comparison service is provided by Vast Visibility Limited.
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Here we explain what moped and scooter insurance is and the types of insurance available.
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What is scooter and moped insurance?
Mopeds and scooters are both classed as types of motorcycle, so you’ll need motorbike insurance to legally ride them. As scooters and mopeds have smaller engines and lower top speeds than other motorbikes, they tend to be cheaper to insure. Although that will depend on the details of your scooter or moped.
What’s the difference between a moped and a scooter?
Although the two names are sometimes used interchangeably, there are some difference between a moped and a scooter.
Mopeds are a type of motorbike with an engine less than 50 cubic centimetres (cc) in size. They usually have a top speed of around 25 to 30 mph and can’t be driven on motorways. Most modern mopeds have a start button rather than a key ignition.
Scooters are bikes with a step-through frame, usually with small wheels, and an engine size that typically runs from 50cc up to around 600cc. But some scooters have engines less than 50cc, and the term may be used interchangeably with moped.
‘Super scooters’ and ‘maxi scooters’ can be as large as smaller motorbikes and have engines up to 850cc in size. Scooters with 125cc engines and above can be ridden on the motorway.
The main differences are:
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Moped |
Scooter |
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Engine size |
Below 50cc |
Above 50cc |
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Top speed |
25 to 30 mph |
Usually 40 to 60 mph |
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Can be driven on the motorway? |
No |
Yes, if the engine is 125cc or more |
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Frame |
Step through frame with or without a platform for your feet |
Step through frame with a platform for your feet |
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Ignition |
Usually button ignition |
Button or key ignition |
Types of scooter and moped insurance
There are three levels of insurance for scooters and mopeds to choose from:
- Third party: The most basic level of insurance cover and a legal requirement. Third party only covers you for compensation and legal costs if you injure someone else or damage their property, but won’t compensate you for your own costs.
- Third party, fire and theft: This level of cover offers the same protection as third party only, but adds cover for compensation if your own moped or scooter is stolen, or damaged or destroyed by fire.
- Fully comprehensive: The highest level of insurance cover available. It offers the same level of protection as third party, fire and theft, but will also cover you for your own medical costs and the costs of repairing or replacing your moped or scooter, even if you caused the accident.
What do I need to legally ride a moped on the road?
To legally ride your moped or scooter on the road, you’ll need:
- Moped insurance or scooter insurance
- Road tax for your scooter or moped
- A driving licence - usually a compulsory basic training (CBT) course, theory test, practical test
- To be at least 16 years of age
How much does scooter or moped insurance cost?
The cost of scooter or moped insurance will vary depending on the bike you want to insure and your own circumstances.
On average 50% of customers paid less than £281 for their annual motorbike bike insurance. This is based on premiums sold between Feb-Dec 2023.
The cost of moped or scooter insurance can depend upon:
- Your bike: More expensive mopeds and scooters with larger engine sizes will be more expensive to insure. A low cc moped will likely be the cheapest, whilst a large maxi scooter will be expensive.
- The level of cover: The better the cover you want, the higher the price of your policy. Fully comprehensive scooter or moped insurance will be more expensive than third party only.
- You: Older and more experienced drivers with a no-claims bonus will be cheaper to insure than young riders with little to no driving history.
- Your location: If you live in an area with higher crime rates, your insurance can be more expensive.
- How you store your bike: If you keep your scooter or moped in a locked, off-road location, your premium may be cheaper than if you park it on the road.
Additional upgrades for scooter insurance
Insurance policies will vary, but most insurance providers will let you add optional extras to your scooter insurance, including:
- Breakdown and roadside assistance cover
- Personal accident cover, that pays out if you’re injured or killed in a road accident
- Pillion cover, that provides insurance for passengers
- Legal cover for any legal costs related to a claim by you or a third party
- Windscreen cover for cracked or shattered windscreens
- Replacement key cover
- Helmet and leather cover
Compare moped insurance and scooter insurance quotes with Asda Money
Whatever type of motorbike you’re looking to insure, you can compare quotes from top UK insurance providers with Asda Money. The motorbike insurance comparison service is provided by Vast Visibility Limited.
Find a scooter or moped insurance quote today.
Scooter and moped insurance FAQs
- Is insurance cheap on a moped?
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Mopeds are one of the cheapest vehicles to insure as they’re low-powered, have low speeds, and are usually relatively inexpensive bikes. Mopeds are a great choice for new and young motorbike owners.
- Can I add my moped to my car insurance?
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Whilst this won’t always be possible, many insurance providers will allow mopeds to be added to existing car insurance policies. This can be a great way to get cheap moped insurance for a new bike.
- Do you need insurance for a 50cc?
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Yes, you will need 50cc moped insurance or 50cc scooter insurance for a 50cc bike. If you don’t have insurance, this can result in a fixed penalty fine of £300, six points on your licence, or even a criminal conviction.1
- Do you need a CBT to insure a moped?
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No you don’t. You can insure a motorbike in the UK without completing your Compulsory Basic Training (CBT) course. You can get insurance to cover you while completing the course, or riding mopeds up to 50cc.
- Is it illegal to ride a moped without insurance?
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Yes it is. Just as you need insurance to ride a motorbike, you also need insurance to ride a moped or a scooter. Simply because the engine is smaller, it doesn’t mean the rules for insurance change.
- How much is a CBT test?
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The price of the Compulsory Basic Training (CBT) course will vary by training organisation and will depend on whether you use your own moped, scooter or motorbike. With most providers it costs between £130-£1702.
- Can you insure a moped for a day?
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Yes. You can get short-term moped and scooter insurance that covers you for a limited time – such as one day, a week, a month or a few months.
ASDA Money is a trading name of Asda Financial Services Ltd and Asda Stores Ltd which for general insurance are Introducer Appointed Representatives of Vast Visibility Limited, 8 Princes Parade, Liverpool, L3 1DL, authorised and regulated by the Financial Conduct Authority. Firm reference number 566973. You can check these details on the FCA Register.
The ASDA motorbike insurance comparison service is arranged by and administered by Vast Visibility Limited.