Moped insurance

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  • We compare up to 46 motorbike insurance providers1 to find you the best deal

  • Choose from a range of optional extras including helmet and leathers cover and breakdown cover

  • Get covered for your moped or scooter in less than 5 mins

1Correct as of July 2026

Do I need insurance for my moped?

Yes, mopeds are classed as motorbikes, so you need motorbike insurance to legally ride them on UK roads. When you compare quotes with us, you can choose from 3 levels of cover to suit your budget and needs.

Levels of moped insurance

Moped insurance is split out into three levels of cover, each offering a different level of protection, these include:

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Third-party only

The minimum legal requirement. It covers the cost of damage you cause to other people and their property, but it won’t pay for any repairs to your own moped.

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Third-party, fire and theft

Includes everything a third-party policy does, but also adds in covers for your moped if it’s stolen or damaged by fire.

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Comprehensive

The highest level of protection. It covers damage to your own bike, even if an accident was your fault, as well as fire, theft, and third-party claims. This is often the most cost-effective option for many riders.

We compare up to 46 trusted insurance companies1 to get you our cheapest deal

How much is moped insurance?

The average annual policy cost for moped insurance in the UK is around £288*, but prices vary significantly based on your age and engine size.

Policy type Median annual premium
Comprehensive moped insurance
£2882
Comprehensive 50cc moped insurance
£3403
Comprehensive 16-year-old moped insurance
£6664

2Based on Confused.com data for median cost of motorbike insurance recorded between January - March 2026.
3Based on Confused.com data for median cost of a 50cc moped recorded between January - March 2026.
4Based on Confused.com data for median cost of 16-year-olds moped insurance recorded between January - March 2026.

What optional extras can I get?

Helmet and leathers cover

Helmet and leathers cover replaces your protective gear if they are damaged in an accident.

Breakdown cover

Breakdown cover provides roadside assistance if your moped fails.

Pillion cover

Pillion cover is required if you intend to carry a passenger while riding.

Legal expenses

Legal expenses cover helps to recover costs (like lost earnings) after a non-fault accident.

Personal accident cover

Personal accident cover will cover a payout for serious injury or death.

What our motorbike insurance expert says

"When choosing moped insurance, it's worth considering more than just the bike itself. If you rely on your moped for commuting, studying or making deliveries, optional extras like breakdown cover or legal expenses insurance could be just as valuable as the core policy, depending on how you use it."
Louise Thomas, Motor Insurance Expert at Confused.com
Motor Insurance Expert Confused.com logo

What do I need to legally ride a moped?

Before you hit the road, ensure you have:

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A provisional licence

You must be at least 16 years old to ride a 50cc moped. You can apply for your provisional as early as 15 years and 9 months. If you’re 17 or older, this same licence allows you to ride a 125cc scooter.

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CBT certificate

Most riders must complete compulsory basic training (CBT). This is a one-day course that teaches you the basics of safe riding. Your certificate is valid for 2 years, after which you’ll need to retake it or pass a full moped/motorcycle test.

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Insurance

At a minimum, you must have third-party only insurance. This covers damage you cause to other people and their property. However, many riders choose comprehensive or third-party, fire & theft to protect their own bike.

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Road tax

For a 50cc moped, this is currently £27 per year (as of April 2025/26 rates). Even electric mopeds, which were previously free to tax, now incur a small annual fee.

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MOT check

If your moped is over three years old, it requires an annual MOT check to ensure it’s mechanically safe and roadworthy. If your bike is brand new, you won't need one until its third anniversary of registration.

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L-plates

Unless you have a full moped or motorcycle license, you must display red L-plates (or D-plates in Wales) on both the front and rear of your bike.

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?

"Moped" is used to describe any small bike with an engine up to 50cc. Back in the day, the name meant you actually had to pedal to get it started, but modern mopeds just use a start button. Because they have small engines and aren't very fast, they are usually one of the cheapest bikes to insure.

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.

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