Levels of moped insurance
Moped insurance is split out into three levels of cover, each offering a different level of protection, these include:
Third-party only
Third-party, fire and theft
Comprehensive
What optional extras can I get?
Helmet and leathers cover
Breakdown cover
Pillion cover
Legal expenses
Personal accident cover
What our motorbike insurance expert says
What do I need to legally ride a moped?
Before you hit the road, ensure you have:
How can I get cheaper moped insurance?
Pay annually
Paying the full amount upfront is usually cheaper than monthly installments, which often include high-interest credit charges. Although this may cost more upfront, it can save you money later down the line. This is often the most cost-effective option for many riders.
Store your bike in a safe place
Secure storage could lead to lower insurance costs. Insurers generally prefer a locked garage; where this isn't possible, a private driveway is typically considered lower risk than parking on a public road. Savings will vary depending on your specific policy and location.
Increase your voluntary excess
Choosing a higher voluntary excess may lower your annual premium, as it reduces the insurer's financial risk. However, it is important to remember that this amount is added to your compulsory excess. You should only select an amount that you could comfortably afford to pay at short notice if you need to make a claim.Invest in bike security
Equipping your moped with industry-approved security features may help reduce your insurance costs. Insurers often look for recognised certifications, such as Thatcham or Sold Secure (Gold/Diamond), when considering discounts.
Shop around
Insurance premiums can vary significantly between providers based on their specific risk criteria. Confused.com allows you to view quotes from up to 45 motorbike insurance specialists in one place, helping you find a policy that fits your budget, and, you may bag yourself a better deal!
Types of bike insurance
FAQs
What is moped insurance?
Can I ride a 50cc moped without a CBT?
You can ride a 50cc moped without a CBT only if you passed your full car driving test before 1 February 2001. If you passed your test on or after that date, you must complete a CBT course before riding on the road.
If you passed your car test after 1 February 2001, completing a CBT gives you full moped rights for a 50cc bike. This means you can ride without L-plates and carry a passenger.
If you don’t have a car licence, your CBT certificate is only valid for two years and you must display L-plates while riding.