Scooter and Moped
Insurance

What Does Scooter Insurance Cover?

Scooter insurance UK policies work the same way as any other motor policy. When you look for insurance for scooter cover, you will typically be offered three levels of protection. You need to hold at least third party cover to ride legally on public roads.

If you are looking for insurance for a scooter in the UK, you will typically be offered three levels of cover:

• Third party only. The legal minimum. Covers damage or injury you may cause to other people, but not to your own scooter. Third-party-only policies are often not the cheapest option, as insurers may view them as higher risk.
• Third party, fire and theft. Adds cover if your scooter is stolen or damaged by fire. A common mid-tier choice for older or lower-value scooters.
• Fully comprehensive. The highest level. Covers damage to your own scooter as well as third party claims. Comprehensive can often be a competitive option even on newer bikes.

A scooter insurance quote via Brumble compares all three cover levels side by side so you can pick the option that suits your scooter and how you ride it. See our motorbike insurance page for more information on cover types and how comparison works via Brumble.

50cc and 125cc Insurance

Engine size is a key factor in what you pay. 50cc scooter insurance is typically among the more affordable options because 50cc bikes are lower-value, restricted to 30mph, and generally viewed by insurers as lower-risk. 50cc moped insurance is popular with 16 year olds and older commuters looking for an affordable option.

125cc motorbike insurance and 125cc bike insurance tend to cost more than 50cc, but the extra performance is often worth it for daily commuting or riding on faster roads. Insurance for 125cc motorcycle policies typically takes into account the higher top speed, the higher replacement value, and the wider riding range compared to a 50cc.

What tends to influence the difference between 50cc and 125cc premiums:

• Vehicle value. 125cc bikes typically cost more to buy than 50cc, which insurers factor into the premium.
• Performance. Higher top speeds and acceleration can affect how insurers assess the risk.
• Theft risk. More desirable 125cc bikes may be at higher risk of theft in some areas.
• Rider licence. 125cc bikes typically require CBT and an appropriate provisional or full licence category.

If you are looking for cheap moped insurance 50cc cover as a young rider, focus on a low-value bike with a good lock, kept off the street overnight. Comparing scooter and moped quotes across multiple insurers via Brumble is a quick way to see who prices your bike competitively.

Insurance for Moped Riders Aged 16 and 17

Moped insurance for 16 year olds and moped insurance for 16 year old riders is generally among the more expensive parts of the market. 16 is the youngest age you can legally ride on public roads in the UK, and insurers may price the extra risk into every policy.

Before insuring, a 16 or 17 year old typically needs to:

• Hold a provisional or full UK driving licence.
• Complete Compulsory Basic Training (CBT), a one-day course that covers the basics of riding safely.
• Display L plates on the moped at all times unless they have a full A1 category licence.
• Ride only a 50cc bike restricted to 30mph until they turn 17 and can consider a 125cc.

Some things that may help keep 16 and 17 year old premiums down:

• Choose a lower-value bike. A lower-value scooter will typically cost less to insure than a higher-value one, because the potential claim cost is lower.
• Buy an approved lock and chain. A Sold Secure Gold lock is a common insurer requirement.
• Store it in a garage. Storing your scooter in a locked garage overnight may help reduce your premium, as insurers generally consider it lower risk than street parking.
• Get quotes from specialist young rider insurers. Comparing via Brumble surfaces specialist providers alongside mainstream ones.

If you are preparing for your CBT or have just passed, our first motorbike insurance guide covers everything you need to know about getting insured for the first time.

For young riders considering their first car instead of a moped, see our car insurance for 17 year olds guide.