Compare moped insurance
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.
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.