Do you need insurance for a moped?
Yes, you legally have to have moped insurance if you’re riding on UK roads. Without it, you could face a fine and points on your licence.
The only time you won’t need it is if you’ve applied for a Statutory Off-Road Notice (SORN) for your moped because you’re no longer using it.
Find out how to SORN a bike in our handy guide.
Just like other motorbike insurance policies, moped and scooter insurance has three levels of cover:
- Third party
- Third party, fire and theft
Do I need a licence for a moped?
Yes, you need a valid licence to ride a scooter or moped on UK roads. There are two licence types, AM and A1:
- For a moped with an engine size of 50cc or less you need either an AM or A1 licence
- For a scooter with an engine size between 50cc and 125cc you need an A1 licence
To get your licence, you’ll need to:
- Do the Compulsory Basic Training (CBT).
- Pass the motorcycle theory test.
- Pass the motorcycle practical test.
For more information on how to get a motorbike licence, see our guide.
To ride on the roads, you’ll also need to register and tax your moped or scooter by paying Vehicle Excise Duty (VED). Scooters and mopeds come under the ‘less than 150cc’ tax band, which costs £21 per year.
You can get more information on motorbike tax bands on the GOV.UK website.
What our motorbike insurance expert says
Scooters and mopeds make a lot of sense as our cities become more and more congested. But theft of mopeds and scooters continues to impact scooter insurance prices, so beefing up your security will help you keep your costs down in the long run.
Motorbike insurance product manager