Although scooters and mopeds are both excellent choices for commuting, you might prefer a scooter simply because you have more options when it comes to engine size and speed. Mopeds cannot have an engine larger than 50cc or exceed 28mph, whereas a scooter can be much more powerful with higher speeds depending on your requirements.
Yes, regardless of the size, model or engine size, you need to have third party only insurance at minimum in order for your scooter to be legal to ride.

