Why consider Swinton for your Moped Insurance policy?
If you own a moped and are looking to use it as your primary mode of transport or for recreational purposes, our friendly and helpful team is here to try and help you purchase a Motorbike Insurance policy to suit your needs.
We cover a wide range of mopeds, including:
- Classic (pre-1990)
- Import
- Sports/off-road/commuter
- Twist & go
- Geared
We always work hard to try and find suitable policies for our customers, so why not see if we can help you?
We have access to a panel of UK bike insurers, so we're able to compare a range of quotes to try and find a quote that suits your needs - even if you're a new or young rider with zero no claims bonus. In addition to Moped Insurance, we also offer Scooter Insurance.
Get a Bike Insurance quote
Types of Moped Insurance
Moped Insurance cover ranges from third party to comprehensive. Third party Moped Insurance covers you for any damage or injury you cause to another person, vehicle, or property. Third party, fire and theft provides extra protection against fire damage and theft of your moped. Comprehensive bike cover includes all of the above plus cover for damage to you and your own moped.
How might I be able to lower the cost of Moped Insurance?
Ways you can try to lower the cost of your Moped Insurance include ensuring the vehicle is properly secured using a Sold Secure chain and parking in a garage. Choosing a higher voluntary excess may also help to reduce the cost of your Bike Insurance policy. Bear in mind that the excess payable in the event of a claim will be a combination of the compulsory and voluntary excess, so make sure that you could afford to pay the total amount.
Why do I need to insure a moped?
It is a legal requirement to insure your moped if you are the registered keeper and use your moped on all roads and in public places. If your vehicle is not insured and you haven’t declared it as off the road (SORN - Statutory Off Road Notification), then you could face a £100 fixed penalty, court prosecution, and a £1,000 fine. You may also have your moped confiscated.
Find out how to register your vehicle as off the road.
What is the difference between a moped and a scooter?
The main difference between a moped and a scooter is engine size. A moped engine is usually no bigger than 50cc, whereas scooters tend to have bigger engines between 50cc and 400cc. You can ride a moped from the age of 16 due to its small engine size, subject to you having the correct licence and training. You can ride a scooter with an engine up to the size of 125cc from the age of 17.