Navigate the Streets Safely: Insuring Your Scooter or Moped with The Bike Insurer

The Bike Insurer has been assisting millions of customers in the UK in obtaining motorcycle insurance rates since its groundbreaking start in 2006.

The Bike Insurer sole purpose from the start has been and will continue to be to simplify the process of purchasing affordable motorbike insurance. Established by motorcyclists for motorcyclists, The Bike Insurer mission is to provide their customers with affordable, high-quality insurance so that they may hit the road with ease. With the help of their panel of top UK insurance providers, they are able to provide customers with prices that they believe will be difficult to refuse.

Despite The Bike Insurer confidence in their abilities, they listen to their clients more than anybody else. Read their reviews to get the inside scoop!

In the United Kingdom, The Bike Insurer is run by ICE Internet Comparison Experts Ltd, which is a subsidiary of Vast Visibility Ltd and a top insurance comparison technology company in the country. The Bike Insurer team of riders, techies and insurance specialists strives to provide UK customers with the best motorbike insurance solutions by staying ahead of the competition.

Scooter and Moped Insurance

The United Kingdom moped and scooter registration makes up a staggering third of all two-wheel registrations, which means many drivers on the road are going to share the space. They are very modestly priced, not just to buy but also to run and insure. They are similar one too of the few bikes that anyone can ride regardless of her having CBT certificate or not.

An ideal option for newbies and teensScooters and mopeds vary in engine capacity—meaning the price of coverage.Consumers highly rate the need for purchasing insurance for scooters and moped (95%). Therefore, shopping for insurance quotes for scooters and moped will benefit you in the quickest and most efficient way.

Much smaller compared to an automobile, driver’s insurance cost for scooters and mopeds are not as big as that of high powered motorcycles or other big capacity two-wheelers. On the roads, 25% of all the motorcycles out there are one of these. It, therefore, makes them among the most sought after motorcycles out there. (Source) These motorcycles will suit you, whether you’re a seasoned rider or just embarking on this new adventure. The important thing is to get from point A to point B, isn’t it? Their modest capabilities and affordable cost are factors that bind them in the class of ideal road bikes for first-time road rides. The internet deals on scooter insurance can be conveniently joined by shopping around with The Bike Insurer, the comparison site.

Why are scooters and mopeds so popular?

The significant influence that 16-year-olds can drive a scooter or a moped with 50cc engine power, after they passed the CBT, is one of the reasons of their extreme fame among youngsters. For a large number of youth, they become the least expensive and the simplest means to get on the road, as well as the primary experience in the journey of travelling.

Scrapped scooter and mopeds can be found for as low as £500 in good condition, whereas a new one may cost up to £1,010. Long-distance travel is highly undesirable on 50cc but they have low taxes and gas economy hence fuel is used economically.

Do you need insurance for scooters and mopeds?

Because they are considered motor vehicles, having insurance for a scooter or moped is a must. According to the Continuous Insurance Enforcement (CIE) regulations, it is mandatory to have legal insurance for any vehicle that has not been designated “off the road” through a statutory off-road notice (SORN). Riding a moped or scooter requires not only proper insurance but also completion of the compulsory basic training (CBT), payment of road tax, and the constant display of learner plates until a full driver’s licence is obtained.

Types of scooter and moped insurance

When it comes to insurance, scooters and mopeds are just like any other kind of motorbike.

The options are Third Party Only, Third Party Fire and Theft, and Comprehensive Coverage; choose the coverage that meets your requirements the best.

You can easily find affordable scooter or moped insurance with The Bike Insurer. Now is the time to compare rates offered by The Bike Insurer network of UK insurance agents and get a quote.

Moped and Scooter Insurance Levels Explained

Third-party only

The bare minimum for legally riding a scooter or moped is to have third-party liability insurance. While it does pay for injuries or property damage to other people, it won’t pay for your own repairs or other damages you sustain in an accident.

Third-party, fire, and theft

Insuring your bike or scooter against third-party damage, fire, and theft is the next level up. It covers everything that third-party damage only insurance does, plus damage from fire or theft costs.

How to get cheap scooter and moped insurance

Scooter and moped insurance premiums have increased due to their popularity for stealing, robberies, and muggings. Motorbike insurance can be cheaper with a few simple steps.

Comparing moped or scooter policies is smart, but it never hurts to explore other options. Despite changes to ensure loyal customers (those who renew with their current insurer) don’t pay more than new customers, you might still get a better bargain elsewhere. Price comparison services like The Bike Insurer can quickly compare quotes from numerous insurance brokers.

If you can’t keep your moped or scooter in a garage at night, get a good security device. Use high-quality chains and a ground anchor to protect your scooter or moped from being stolen and put in a vehicle. The insurance company may charge you more to replace your stolen scooter or moped in later years, so losing your cherished vehicle may not go away.

Scooter and moped riders usually take shorter journeys, so consider capping their annual mileage on their insurance. Your insurance rate may drop.

Increase your voluntary excess to pay more in insurance claims. You can cut your insurance cost by raising the excess, but you’ll need enough to cover claims.

Don’t overbuy bikes may seem obvious. Most scooters have 50cc to 125cc motors, however others have 750cc engines and are very powerful. There are several factors that determine a moped or scooter’s insurance category, but larger bikes are more expensive to insure, so choose one that can manage the distances you expect to travel.

The difference between scooters and mopeds

Despite the fact that scooters and mopeds are both considered to be low-powered, beginner-friendly two-wheelers, there are a few mechanical distinctions that differentiate the two types of vehicles.

Mopeds

Motorcycles that are legally considered to be mopeds are those that have an engine capacity of no more than 50cc and a top speed of no more than 28 miles per hour. Following the successful completion of a compulsory basic training (CBT) test and the application of learner plates, it is possible to learn how to ride a moped at the age of sixteen and to get out on the roads sooner.

Scooters

Unlike scooter, the engine in bikes has normally an indication or power of fifty to one hundred and fifty millilitres. In case they are larger a- engagement and your motorbike, you will not start to learn how to move a scooter as soon as you are 16 years old. Not to forget to mention that e-scooters are usually more expensive than electric moped bikes.

FAQS

Is my insurance premium affected by what type of licence I have?

Your rate is dependent on a lot of variables, so there’s no surefire way to influence it. However, in general, having a full driver’s licence will result in lower insurance costs than riding on a CBT alone.

Reason being, insurance companies view a valid driver’s licence as evidence of your driving experience, which suggests you may not be as dangerous as others.

How can I lower the cost of my moped or scooter insurance even more?

Reason being, insurance companies view a valid driver’s licence as evidence of your driving experience, which suggests you may not be as dangerous as others.

Should I get insurance extras for my moped or scooter policy?

This is not a place for generic recommendations. Some riders may find that moped and scooter insurance add-ons, including as breakdown cover, European driving insurance, and pillion cover, are very necessary, while others may find that they are completely unnecessary.

Check out the various insurance add-ons when you compare prices with The Bike Insurer for moped or scooter insurance. Make an informed decision about whether you need them. Keep in mind that they will look at the pros and cons and most likely increase your premium.