Vespa insurance

Having started making scooters in 1946, Vespa are now a household name when it comes to travelling on two wheels in style.

If you're looking for motorbike insurance for your Vespa, you can compare quotes through Vespa are usually a popular choice for scooter and motorbike riders, as there are less powerful 50cc models like the Primavera 50 or more powerful 300cc models like the GTS 300.

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How much does a Vespa cost to insure?

Motorcycle insurance tends to get cheaper as you get older. From an insurer’s point of view, older riders tend to be more experienced and are less likely to have an accident. But age is just one of multiple factors that affect the price of your insurance.

What affects the price of motorbike insurance?

One thing to remember about motorbike insurance is that no two policies are the same. There are various factors that insurers use to calculate your policy price, including:

  • How you use your motorbike
  • Your riding history
  • Your age
  • The value of your motorbike

How you use your motorbike will affect how much you pay for your insurance. If you to use your motorbike for social use including commuting, a comprehensive policy will cost around £418**. Compare that to a policy that includes delivery use such as a courier, you could pay an average of £1,842**.

Your riding history includes things like points on your licence and any convictions you may have. The more of these things that you have, the higher the cost of your insurance will be.

Your age is something all insurers will consider when giving you a quote. Younger riders are often seen as less experienced in the eyes of insurers, so are more likely to pay more for their insurance. Older riders are seen as more experienced riders, and therefore less likely to be involved in an accident, bringing the cost of their insurance down.

The value of your motorbike may also affect how much you pay. If you have an expensive motorbike that may be imported, you will pay more for your insurance than a 25cc moped that's less valuable.

** data: Median price of 12 month fully comprehensive policy June 2023.

How can I save on my Vespa motorbike insurance?

To help you save money on your motorcycle insurance, consider:

Shopping around to make sure you get the best deal possible. This'll help you get the cheapest price for your policy, and ensure you only pay for the cover that you need.

Choosing a less powerful motorcycle will help reduce the cost of your insurance. The more powerful and larger engine that your motorbike has, the higher the claim value is likely to be if you're involved in an accident.

Paying annually as this helps avoid the small interest charges that you get when you pay monthly.

Improving your riding skills could also help lower the cost of your policy. This could be done through an riding course or qualification, and it'll help increase your experience and lower the chance of you making a claim.

Building up your no-claims bonus. Each year that goes by where you don't make a claim, you'll usually be rewarded with a discount by your insurer.

Increasing security on your motorbike by adding extra security devices including chains and locks to your bike when it's parked. Also, parking it in a secure location will help reduce the risk of it being stolen in the eyes of the insurer.

Limit the amount of modifications on your motorbike. Not only are these expensive to add in the first place, but they can increase the cost of your policy due to how expensive they can be to replace.

What level of insurance can I get for my Vespa?

There are 3 levels of cover for you to choose from:

  • Third-party only is the lowest level of cover and the minimum legal required to in the UK. This will cover third-party claims, but it won't cover you for any personal injuries or damage to your motorbike as a result of an accident.
  • Third-party, fire and theft offers the same level of cover as third-party only, as well as providing cover if your motorbike suffers any fire damage or if it's stolen.
  • Comprehensive cover is the top level of cover in the UK. As well as all of the cover listed above, comprehensive insurance also protects your motorbike against any damage when you're in an accident, regardless of who was at fault.

What optional extras are available?

To help you save money on your motorcycle insurance, consider:

Breakdown cover will give you cover if your bike breaks down. There are various levels of cover available, and some providers will only cover you if you're a certain distance from home.

Legal expenses cover will cover you against any legal fees that come around as a result of an accident that wasn't your fault.

Personal accident cover will provide you or your family with financial cover if you're injured in an accident.

Pillion cover will allow you to carry a passenger on the back of your motorbike. Not all policies include this as standard, so remember to check your policy details.

European cover provides you with cover to ride your motorbike in Europe. Some policies will include this as standard, so check your policy documents before you travel.

Key cover protects you in case you lose or damage your keys.

Helmet and leathers cover will protect you if you're involved in an accident and need to replace your leathers or your helmet.

Sidecar insurance covers the sidecar that's attached to your motorbike.

Some policies include optional extras as standard but others allow you to add them for an extra cost. The level of cover will vary between insurers, so please check carefully before you ride.

History of Vespa

Vespa was the original scooter, designed to offer fast, cheap transport. Other mopeds have long emulated its classic step-through design, but Vespa continues to rank among the world’s best scooters.

Piaggio, the Italian company behind the Vespa, has remained true to the original concept. But it has continued to innovate over the years, incorporating new technology and providing more choice.

Piaggio was established in 1884 as a train builder in Genoa, northwest Italy. The company soon expanded its areas of expertise to include aircraft and motorboats.

But following the Second World War, Piaggio focused on developing 2-wheelers to meet an urgent need for affordable and user-friendly transport. It launched the first Vespa in 1946 - the Vespa 98 - and the company still draws on the same iconic, step-through design to this day.

The Vespa quickly became part of Italian culture – 1 million units were manufactured within its first decade. Named after the Italian word for wasp, Vespa’s growing popularity created a new word, ‘vespare’, which means ‘to go somewhere on a Vespa’

The scooter achieved global fame after Gregory Peck and Audrey Hepburn were seen riding around on one in the 1953 film Roman Holiday. In 1962, surrealist painter Salvador Dalí decided to customise a Vespa with some of his artwork.

During the 1960s, the UK became the world’s biggest market for the Vespa as the scooter surged in popularity with Mod subculture. The UK is still Vespa’s second biggest market, behind Italy.

By the scooter’s 75th anniversary in 2021, over 19 million Vespas had been produced worldwide, with 2 million made within the past decade. The Vespa continues to be immortalised in popular culture and features prominently in Disney Pixar’s 2021 film Luca.

Listed on the Italian stock exchange, today Piaggio is dedicated to making scooters, motorcycles and light commercial vehicles. Alongside Vespa, the company’s scooter and motorcycle brands include:

  • Piaggio
  • Derbi
  • Aprilia
  • Scarabeo
  • Moto Guzzi
  • Gilera

Piaggio’s scooters and motorcycles are made at a sprawling factory in Tuscany, central Italy. The company also has manufacturing facilities in Vietnam and India to meet demand in Asia.

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