The type of licence you have and how long you've held it
How many miles you think you'll ride in a year
Any claims or convictions in the last 5 years
How you plan on using your motorbike - for example, social use only, social & commuting, business
How much does moped insurance cost?
Your insurance company bases your cost on several risk factors, including:
- Your age. Insurers consider young riders to be a higher risk than older ones. This is because they typically have less experience on the road than older riders. So, they're more likely to be involved in an accident and make a claim on their insurance.
- Your moped or scooter. Insurers place motorbikes, including mopeds and scooters, into insurance groups. Typically, these range from 1-17. But, unlike car insurance groups that are standardised across insurers, motorbike groups can go up to 22 depending on the provider's rating. Groups are based on factors like engine size and value. Mopeds and scooters with smaller engines normally fall into lower groups, so insurance might be cheaper.
- Any previous claims or convictions. If you've made a claim on your insurance, or have a previous motoring conviction, you're likely to pay more for your insurance. This is because you're seen as a higher risk to insurers.
- Your mileage. The more time you spend on the road, the higher your risk of being involved in an accident and needing to claim on your insurance. So, driving more miles each year normally means you see higher prices. You should be accurate when giving a mileage estimate, though. If you drive more miles than you're insured for, your policy could be invalidated. This means your insurer might not pay the full amount if you need to make a claim.
- Your location. Motorbike theft is higher in certain parts of the country. Living in an area with high crime rates means you pay more for insurance, as your moped or scooter is at higher risk.
How can I save money on my moped or scooter insurance?
Compare quotes. Even if your renewal price is similar to last year, you might still be able to save. Comparing quotes is one of the easiest ways to make sure you're getting the best deal. It takes a few minutes and you'll be able to compare up to 36 motorbike insurance companies, helping you make the right decision for you.
Pay annually. Paying annually for your insurance almost always works out cheaper than paying monthly. This is because when you choose to pay monthly, insurers add interest onto your overall price.
Increase your voluntary excess. Generally, the more you're able to pay towards claims, the cheaper your insurance could be. Just make sure you set it at a level you could afford to pay if you needed.
Choose policy add-ons carefully. Consider what you actually need from your insurance. Policy extras come at an added cost, so remove any you don't need.
Avoid modifications. Any modifications you make to your scooter or moped increase your insurance costs. This is because they can make it harder to source replacements, making repairs more expensive and time-consuming.
Build your no-claims bonus (NCB). For each year you're insured on your moped or scooter without making a claim, you get a year added to your NCB. This means you get a discount on your insurance when you buy a new policy.
Reduce your annual mileage. Typically, the more miles you drive, the more expensive your insurance is. This is because driving more puts you at higher risk of being involved in accidents. If you can reduce the number of miles you drive in a year, you could see your insurance prices come down. Just make sure you estimate your mileage accurately when getting a quote.
Increase your moped or scooter's security with features like disc locks and chain locks. Keeping it in a locked garage when not in use can also reduce the risk of theft.
What our motorbike insurance expert says
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Types of bike insurance
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