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With fuel prices constantly on the rise, and congestion on UK roads getting worse by the year, mopeds, scooters and similar small bikes are growing more and more attractive to British motorists.

  • Small, cheap to run engines can mean reduced fuel bills, and low CO2 emissions mean cheaper tax and a smaller environmental footprint, not to mention the benefit of being able to squeeze through traffic!
  • On this page, we've collected some of the information we think you need to know about mopeds and insuring them, so that you can feel clued-up before getting your quotes.

What is a moped?

The term Moped used to apply to a motorised vehicle similar in appearance to a bicycle, with power split between the pedals and the engine. In recent times the term has come to cover scooter-type vehicles in general, with engine capacities of 49cc or less, and usually limited to a top-speed of 30mph.

Getting insurance

When it comes to insurance, you need to decide what level of protection you want. Just like car insurance, moped insurance comes in levels, which will affect both the amount you pay and the level of cover you get. Cheaper is not always better, so you should look into each policy thoroughly before you buy. Briefly, policies are split into;

  • Third party only - the most basic and often cheapest policy type available. It covers the costs payable to the third party if you are involved in an accident, but none of your own, meaning any damages or expenses you incur will have to come out of your own pocket
  • Third party fire and theft - offers the same level of cover as third party only, but with additional peace of mind if your vehicle is stolen or damaged by fire
  • Fully comprehensive - the highest level of cover available and generally the most expensive. Fully Comprehensive policies should pay out for any costs or damage to your vehicle, as well as any third party claims made against you following an accident.

As well as finding insurance, you’ll need to make sure you meet some other necessary legal requirements before hitting the road. Take a look at the list in our ‘Riding a moped legally’ section below for more information.

If a moped insurance policy is not right for you, take a look at our scooter insurance page, or browse the other types of motorbike insurance we compare

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Riding a moped legally

Part of the appeal of motorbikes and scooters is that in the UK, models with engines under 50cc's can be ridden legally from the age of 16, as opposed to the minimum 17 required for a full driving licence. You will however need the following in place;

  • CBT (Compulsory Basic Training)
    You will need to undertake this training before you can ride any scooter or moped on UK roads legally, and will still be required to wear L plates after this. Your CBT is valid for two years, after which you will need to take your theory and practical road tests to obtain your full category P (moped) licence.
  • Registration
    You will usually get your moped’s registration documents when you purchase it, but if not, you must ensure that it is registered with the DVLA before it can be legally driven on UK roads.
  • Insurance
    An active insurance policy is a legal requirement for all vehicles on UK roads, under the government's Continuous Insurance Enforcement (CIE) regulations. Whilst mopeds can usually be a lot cheaper than larger scooters, bikes or cars to insure, it’s still important to shop around and compare prices, to make sure you get a good deal. That’s where Confused.com can help.
  • Tax
    Just like cars, motorbikes and scooters need to be taxed to drive legally in the UK. Mopeds and scooters under 150cc fall into the lowest tax bracket, which you can expect to cost as little as £17 per year (correct as of 11/09/2013).

If you'd like more information, you may also find our articles and guides sections full of useful advice and bike-related trivia.

Confused Motorbike Insurance is administered by Vast Visibility Ltd who are authorised and regulated by the Financial Conduct Authority under firm reference number 566973. Vast Visibility Ltd is registered in England & Wales No. 05866769 at office: Queen Anne House, Queen Anne Street, Southport, Merseyside. PR8 1EH

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