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

  • We compare up to 45 motorbike insurance providers1 to find you the best deal

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

1Correct as of July 2026

How much is scooter insurance?

Average scooter insurance cost*

 

£463*

*Based on Confused.com data for median average premiums recorded January - March 2026.

The median sold premium cost for scooter insurance in the UK is approximately £463*, but prices vary significantly based on your age and engine size.

We compare up to 45 trusted insurance companies1 to get you our cheapest deal

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What does scooter insurance cover?

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Third-party only

The legal minimum insurance policy. It covers damage to other people's vehicles or property and injuries to others if you're at fault. It does not cover your scooter at all.

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Third-party, fire and theft

Includes everything in third-party, plus cover if your scooter is stolen or damaged by fire (accidental or arson). It still won't cover your own repairs after a crash.

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Comprehensive

The highest level of protection. It covers everything a TPFT policy can, plus accidental damage to your own scooter, even if the accident was your fault.

What our motorbike insurance expert says

"The smaller size of scooters make them a popular choice for young people and those living in the city. You can ride them from a young age so they're ideal for young drivers who want to get on the road quickly. They're also fairly cheap to run. You insure them the same way as a motorbike. It might even be cheaper because of their smaller engines. Comparing motorbike insurance quotes with us is the best way to get a good deal."
Louise Thomas, Motor Insurance Expert at Confused.com
Motor Insurance Expert Confused.com logo

Do you need insurance for a scooter?

Yes, it’s a legal requirement to have motorbike insurance if you ride a motor-powered scooter on public roads in the UK. At a minimum, you must have third-party insurance, which covers injuries to other people and damage to their property.

You’ll also need:

  • To be at least 16 years old to ride a 50cc scooter, 17 to ride scooters up to 125cc and 19 to ride scooters bigger than 125cc
  • Hold at least a provisional licence or full UK driving licence
  • Complete your CBT (compulsory basic training), but there is an exception for people who passed their car driving test before 1st February 2001, if you have, you can ride a 50cc scooter without a CBT or L-plates. For anything over 50cc, you always need a CBT
  • Pay road tax - scooters under 150cc cost £27 for the year (as of April 2025/26 rates)
  • Make sure you have at least third-party insurance for your bike
  • Get an MOT check every year if the scooter is over 3 years old. This is a legal requirement to carry out annually to ensure your vehicle is roadworthy

  • Make sure the vehicle is registered – The vehicle must be registered with the DVLA and have a visible number plate.

What is the minimum cover I need?

Third-party is the minimum legal insurance requirement, however, it only covers damage to other people's property or vehicles and provides no protection for your own scooter.

Alternatively, comprehensive cover provides a much higher level of protection because it also covers damage to your own vehicle. It can offer financial protection even if an accident is your fault and can often be the cheaper option.

What add-ons can I get with my scooter insurance?

Pillion cover

Pillion cover is essential if you plan to carry passengers. Note that you cannot add this if you are still riding on a provisional licence.

Helmet and leathers cover

Helmets and leathers cover inludes the cost of replacing your specialised protective clothing and safety helmet if they are damaged in an accident.

Breakdown cover

Breakdown cover provides roadside assistance in the event that your scooter breaks down. Coverage levels can range from basic roadside help to ‘home start’ and national recovery.

Legal expenses cover

Legal expenses cover helps to pay for a solicitor or legal fees if you need to recover ‘uninsured losses’ (like medical costs or loss of earnings) after an accident that wasn't your fault. 

Personal accident cover

Personal accident cover provides a financial payout if you are seriously injured or die as a result of an accident.

Does the difference in engine size affect my premium?

Yes, the engine size is one of the most significant factors affecting your insurance premium. Generally, the larger and more powerful the engine, the more you will pay for cover.

The 'cc' rating, such as 50cc, represents the engine's capacity in cubic centimetres. Simply put, a higher cc number indicates a larger engine chamber and a more powerful machine.

How can I get cheaper scooter insurance?

Getting a better deal on your scooter insurance doesn't have to be a headache, and there are plenty of simple ways to trim your premium without sacrificing the cover you need.

Here are some tips to help you get cheaper scooter insurance:

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Increase your excess

Increasing your voluntary excess (the amount you pay towards a claim) can lower your premium. Just make sure it’s an amount you can actually afford to hand over if you need to make a claim.

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Pay annually

If you can, pay for your policy in one lump sum. Paying monthly usually includes interest charges, making the total cost more expensive.

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Shop around

Don’t just settle for your renewal price. It's always worth shopping around to see if you can save. At Confused.com, we compare over 45 trusted insurance companies1 in minutes to help find a deal that suits your budget.

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Securing your scooter

Generally, the fewer miles you cover in a year, the lower your risk of being involved in an accident. Insurers often reward this lower risk with more competitive premiums, but make sure you are being as honest and accurate as possible.

What details do I need to give for scooter insurance?

To get a scooter insurance quote, it helps to have your paperwork ready. You'll need to provide details in three main areas:

About you: About your scooter: About your usage:
Your name, age, address and occupation
Registration number: Your scooter’s "number plate" (or the make and model if you haven't bought it yet)
Use: Social (leisure), commuting, or business use
Licence details (provisional or full UK licence)
Value & age: An accurate estimate of the scooter’s current market value and the year it was made
Annual mileage: Estimated miles you'll ride each year
Riding history: Any motoring convictions, fixed penalties, or accidents/claims from the last 5 years
Security: Details of any alarms, trackers, or Thatcham-approved locks you use
Overnight storage: Where the bike is kept overnight (e.g. locked garage, driveway, or on the road)
No-claims bonus (NCB): How many years of no-claims discount (NCD) you’ve earned on a bike (this usually needs to be separate from any car NCB)
Bike modifications: Any changes made to the scooter since it left the factory (e.g., aftermarket exhausts or storage boxes)
Place of work (if commuting): The address of your regular workplace, if applicable

Types of bike insurance

Motorbike insurance icon

Motorbike insurance

Can offer you protection on the road. Whether your ride is a scooter, a classic, a superbike or something else, we can help you find your next policy.

Classic motorbike icon

Classic motorbike insurance

Cover for modern classic or vintage motorbikes.

Multi-bike insurance icon

Multi bike insurance

Get a multi bike quote to cover all of your bikes on the same policy.

Quad bike insurance icon

Quad bike insurance

For those riding on four wheels for sport, agricultural or fun.

Off-road motorbike insurance icon

Off-road bike insurance

Specialised protection for off-roading, green-lining, dirt and trial bikes.

Trike insurance icon

Trike insurance

Protection for your three-wheeled pride and joy.

FAQs

Can I drive a scooter if I have a full UK driving licence?

It depends on when you passed your test. If you passed before 1 February 2001, you can usually ride a 50cc moped without L-plates or a CBT. If you passed after that date, you’ll need to complete your CBT first. For anything larger than 50cc, everyone needs a CBT certificate.

Does my car insurance cover me to ride a scooter?

Generally, no. Car insurance and motorbike insurance are separate products. Even if your car policy has a "driving other cars" extension, this almost never applies to motorcycles or scooters. You will need a dedicated motorbike insurance policy.

Does a no claims discount (NCD) transfer from a car?

Most insurers require you to build a separate NCD for your scooter. While some specialist providers might take your car driving experience into account to give you a discount. You usually can't "move" your actual car NCD years over to a bike policy.

Will an advanced training course actually save me money?

It often does! Completing courses like the DVSA Enhanced Rider Scheme or IAM RoadSmart shows insurers you are a lower-risk rider. Many providers offer a discount for these qualifications, though it’s worth checking with the specific insurer first.

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