Moped Insurance
Compare Moped Insurance Quotes
- Compare 25+ insurers
- You could pay less than £285*
- Find a great deal today
Compare affordable quotes from up to 25 UK moped insurers, including;
Why Compare Moped Insurance Quotes at SimplyQuote.co.uk?
Comparing moped insurance helps you find the best deal by checking prices and cover options from multiple insurers in one place.
SimplyQuote makes it quick, fair, and easy to get quotes tailored to you.
If you’re new to riding or just trying to keep costs down, getting a moped insurance quote from a single provider might feel quick—but it’s rarely the best deal. Insurers assess risk differently, and prices can vary by hundreds of pounds for the exact same level of cover. That’s why it pays to compare.
At SimplyQuote, we work in partnership with Quotezone, a leading UK insurance comparison platform. This gives you access to a wide panel of FCA-authorised insurers in minutes, without any pressure to buy.
You’re not just comparing prices—you’re comparing levels of cover, optional add-ons, excess amounts, and the small print that often gets missed. Whether you need third-party, third-party fire and theft, or comprehensive protection, we help you weigh your options side-by-side.
And because everything’s handled online, it’s fast, hassle-free, and transparent. Just enter your details once and get multiple quotes you can trust.
What Do I Need to Get a Quote?
To get a moped insurance quote, you’ll need your personal details, licence type, moped information, and how you plan to use the bike.
Insurers also ask about past claims and whether you have a no-claims bonus.
Getting a quote is quick, but it’s quicker still when you’ve got the essentials ready. Here’s what most insurers will want to know:
- Personal info: Your name, date of birth, address, and occupation.
- Licence information: Whether you hold a provisional licence, CBT, or full UK motorcycle licence.
- Moped details: Make, model, and engine size—usually 50cc or under for mopeds.
- Modifications: Any non-standard features or customisations that could affect performance or risk.
- Usage: Whether you use it for commuting, social use, or business purposes.
- Storage and security: Where the moped is kept overnight, and whether it’s fitted with an alarm, lock, or immobiliser.
- No-claims bonus: The number of years you’ve gone without making an insurance claim.
- Previous claims or convictions: Typically from the past five years.
Accuracy is everything. A quick form filled with guesswork may get you a quote—but not a valid one. Being precise means fewer surprises later, and a smoother ride if you ever need to claim.
Why Do I Need Moped Insurance Cover?
You need moped insurance because it’s a legal requirement in the UK to ride on public roads, even if your moped is just 50cc.
Without it, you risk fines, points on your licence, and having the vehicle seized.
But the law is only part of the story.
Accidents happen—even at low speeds. A moment’s lapse in concentration could leave you with a damaged moped, injured pedestrians, or expensive liability claims. Insurance gives you the legal and financial protection to keep riding with confidence.
Third-party insurance is the bare minimum, covering damage or injury you cause to others. It won’t cover your own repairs, but it stops you from being personally liable for thousands of pounds in compensation. For better protection, third-party fire and theft (TPFT) or comprehensive insurance can shield you against things like vandalism, fire damage, or a stolen moped.
If you’re a learner on a CBT, insurers often offer policies tailored to your needs. And if you rely on your moped for getting to work or college, insurance means peace of mind—it keeps you moving, even when things go wrong.
No one likes paying for something they hope not to use. But moped insurance isn’t just about ticking a legal box—it’s about covering the what-ifs that can and do happen.
What Does Moped Insurance Cover Include?
Moped insurance typically includes third-party liability, and depending on your level of cover, may also protect against theft, fire, accidental damage, and more.
The extent of protection depends on the type of policy you choose.
Let’s break that down. UK moped insurance usually comes in three tiers:
- Third-Party Only (TPO): This is the minimum legal requirement. It covers damage or injury you cause to other people, vehicles, or property—but not your own moped.
- Third-Party, Fire and Theft (TPFT): Adds protection if your moped is stolen or damaged by fire. You’re still not covered for accidental damage to your own bike.
- Comprehensive: Covers everything in TPO and TPFT, plus accidental damage to your own moped—even if you’re at fault.
Many insurers also offer optional extras you can bolt on to any policy. These may include:
- Breakdown cover – roadside assistance if your moped won’t start
- Helmet and leathers cover – reimbursement if your gear is damaged
- Legal expenses cover – help with costs if you need to pursue or defend a claim
- Pillion cover – to legally carry a passenger, if your licence and moped allow it
The level of cover you choose depends on how much protection you want and what you can afford. For example, a low-value moped used for short journeys might only need TPFT, while a newer scooter used daily could justify a comprehensive policy.
What’s Not Included?
Moped insurance doesn’t cover everything—especially if you break the terms of your policy, misuse the vehicle, or attempt to claim for wear and tear.
Understanding what’s excluded can save you serious trouble down the line.
While cover varies between insurers, certain exclusions are almost universal. Riding under the influence of alcohol or drugs? Not covered. Letting someone else ride your moped who isn’t insured? That’s another non-starter. And if your bike’s stolen while left unlocked or parked in an unauthorised location, the claim may be denied.
Policies also won’t cover:
- General wear and tear: Tyres, brake pads, and other consumables.
- Mechanical or electrical faults: Unless you’ve added specific breakdown cover.
- Use for work (like deliveries): Unless you’ve declared this and taken out business or courier insurance.
- Incorrect information: Omitting details or giving inaccurate info during your quote can invalidate the whole policy.
- Track or off-road use: Standard moped insurance is for public road use only.
If you’re ever unsure, the policy documents will outline exactly what’s excluded—but it’s best to ask questions before you buy. That way, you don’t discover the gaps when it’s already too late.
How Much Does Moped Insurance Cost?
Moped insurance in the UK typically costs between £150 and £400 per year, but prices vary depending on your age, location, licence type, and the moped itself.
The cheapest policies are usually for older, experienced riders with secure storage.
Insurance pricing is all about risk. The less risk you pose to an insurer, the less you’ll pay. Young riders—especially under 21—can expect to pay more, even for a basic policy. A new 17-year-old with a CBT and a 50cc scooter parked on the street overnight in a city centre? That’s likely to be near the top of the price range.
In contrast, a 30-year-old with a full motorcycle licence, living in a quieter area with garage storage, could pay significantly less—even with comprehensive cover.
Insurers also look at:
- Claims history
- No-claims bonus
- Whether the moped has been modified
- Annual mileage
- Security features like alarms and locks
Here’s a general price breakdown based on available data:
| Rider Profile | Estimated Annual Cost |
|---|---|
| 17-year-old on CBT, urban area | £350–£450 |
| 21-year-old with 2 years NCB, TPFT policy | £200–£300 |
| 35-year-old, full licence, secure parking | £150–£250 |
Quotes can differ dramatically between insurers, which is why comparing is essential. Even small differences—like declaring 5,000 miles a year instead of 7,000—can tip the cost.
How Can I Save Money On Moped Insurance?
You can save money on moped insurance by improving your security, building a no-claims bonus, choosing a higher voluntary excess, and comparing quotes annually.
Insurers reward lower risk, so every small improvement adds up.
Let’s get into specifics.
If you store your moped in a locked garage overnight instead of on the street, some insurers will shave pounds off your premium. Adding a Thatcham-approved lock or alarm could do the same. Security matters—so make it count.
Another tactic is reducing your mileage. If you only ride occasionally and don’t commute, say so. The lower the expected use, the lower the perceived risk. Just don’t under-report it—accuracy still matters.
And don’t automatically renew. Insurers often bump prices for loyal customers (known as the “loyalty penalty”). Instead, compare fresh quotes each year, ideally three to four weeks before renewal. That’s the sweet spot when prices tend to be lowest.
Here’s a sample scenario to show how it adds up:
21-year-old rider in Manchester pays £390/year. After fitting an Oxford alarm, increasing voluntary excess by £150, and switching to a new insurer via a comparison site, the premium drops to £274—a £116 saving.
Even if your moped isn’t worth much, there’s no point paying over the odds. Insurance is a legal must—but the amount you spend is still within your control.
How To Compare Moped Insurance Quotes Online
Comparing moped insurance quotes at SimplyQuote is straightforward: enter your details once, view tailored quotes from multiple insurers, and choose the policy that best fits your needs and budget.
It’s quick, secure, and completely online.
Here’s how the process works:
- Start by entering your details – including your personal info, licence type, and details about your moped (make, model, engine size).
- Answer a few questions about usage – such as whether you use your moped for commuting or leisure, and where it’s stored overnight.
- Review your quotes – once submitted, you’ll get a list of real quotes from insurers regulated by the Financial Conduct Authority (FCA). These quotes reflect your individual circumstances.
- Compare policy details – not just price. Check levels of cover, excess amounts, optional extras, and any restrictions.
- Select and buy – when you’re ready, you can click through to the insurer’s site to finalise your purchase directly with them.
Because SimplyQuote works in partnership with Quotezone, you’re getting access to a wide panel of UK insurance providers—all in one place. There’s no pressure to buy immediately, and the whole process usually takes under five minutes.
Whether you’re insuring a new 50cc moped on a CBT or switching providers after your first year of riding, the comparison process is designed to make sure you’re not paying more than you need to.
Frequently Asked Questions
Only if you passed your driving test before 1 February 2001. Otherwise, you’ll need to complete a CBT (Compulsory Basic Training) to legally ride a moped on UK roads.
You must be at least 16 years old and hold a valid provisional licence or full driving licence, plus complete a CBT unless exempt.
No. Most moped insurance policies don’t include pillion cover unless specifically added. Check the terms and ensure your licence permits carrying passengers.
Usually not. Most policies only cover the named vehicle. Some comprehensive motorcycle policies may include third-party cover on other bikes, but this is rare with mopeds.
Not with standard insurance. You’ll need a specific policy for food or parcel delivery—often called courier or hire and reward insurance.
Yes. Electric mopeds that exceed 15.5mph or don’t meet e-bike criteria must be insured like petrol mopeds under UK law.
If your policy includes comprehensive or fire and theft cover, the insurer may pay out the current market value—minus your excess—if repairs aren’t economical.
Yes. Most insurers let you transfer your no-claims bonus, though you’ll need proof from your previous provider. Time limits for using it may apply.
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Written by Chris Richards
Page last reviewed on 17th June 2025 by Chris Richards