What is moped insurance?
Whether you’re riding to college, delivering food, or simply avoiding the bus, having the right moped insurance is essential. Not only is it a legal requirement in the UK, but it also protects you if your moped is stolen, damaged, or involved in an accident. This guide explains exactly what moped insurance covers, the main exclusions to watch out for, how to keep your premiums down, and the steps to getting a quote that fits your needs.
What the experts say…
"Insuring your moped isn’t just a legal must – it’s about protecting yourself from the unexpected. Even a minor bump or theft can leave you facing hefty bills. A good policy does more than keep you on the right side of the law, it gives you peace of mind every time you set off."
– Ian Beevis, Co-founder of Clean Green Compare
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What’s Covered with Moped Insurance
- Third party liability – Covers you for injury or damage to others
- Fire and theft – Protection if your moped is stolen or damaged by fire
- Accidental damage – Pays for repairs if your moped is damaged in an accident
- Personal accident cover – Optional extra for rider injuries
- European cover – Optional protection for riding abroad
Add Ons for Moped Insurance
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What’s Not Covered
- No valid licence – Claims are rejected if you ride without the correct licence
- Racing or stunts – Policies do not cover racing or stunt riding
- Mechanical failure – Wear, tear and breakdowns are excluded
- Drink or drugs – No cover if you ride under the influence
Who Needs Moped Insurance?
- Commuters – Anyone using a moped for daily travel
- Young riders – Riders aged 16 and over with CBT
- Delivery riders – Food delivery and courier work
- Learner riders – Provisional licence holders with L plates
How to Get a Moped Insurance Quote
How Much Does Moped Insurance Cost?
- Age and experience – Younger, less experienced riders pay more
- Moped type – More valuable or powerful mopeds cost more to insure
- Location – Premiums are higher in city or high-crime areas
- Mileage – Lower annual mileage can reduce your premium
- Claims record – Previous claims or convictions increase the cost
How to Save Money on Moped Insurance
FAQs
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