What level of moped insurance do I need?
Legally, you have to be insured if you’re driving on UK roads.
Without motorbike insurance for your moped or scooter, you could face a fine and points on your licence.
Just like other motorbike policies, moped and scooter insurance has three levels of cover: fully comprehensive; third party; and third party, fire and theft.
The kind of policy you go for could impact the level of protection you get, as well as the price you pay for your policy.
It’s worth comparing policy prices. You might find that a comprehensive moped insurance policy works out cheaper than the other levels of cover.
What else do I need to ride a scooter or moped?
To legally ride a scooter or moped on UK roads, you'll need:
At least third party insurance. The only time you won’t need to insure your moped is if you’ve given it a Statutory Off-Road Notice (SORN) because you’re no longer using it. While the SORN is in place, you have to keep your scooter off the road. Find out how to SORN a bike in our handy guide.
To register and tax your moped or scooter by paying Vehicle Excise Duty (VED). Scooters and mopeds come under the ‘less than 150cc’ tax band, which costs £21 per year. You can get more information on motorbike tax bands on the GOV.UK website.
An AM or A1 licence for a moped with an engine size of 50cc or less.
An A1 licence for a scooter with an engine size between 50cc and 125cc.
To get your licence, you’ll need to:
- Do the Compulsory Basic Training (CBT).
- Pass the motorcycle theory test.
- Pass the motorcycle practical test
For more information on how to get a motorbike licence, see our guide.
What our motorbike insurance expert says
Scooters and mopeds make a lot of sense as our cities become more and more congested. But theft of mopeds and scooters continues to impact scooter insurance prices, so beefing up your security will help you keep your costs down in the long run.
Motorbike insurance product manager