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If you’re one of the million or so who own a scooter, moped or motorcycle, the last thing you want is to find yourself stranded at the side of the road if it breaks down. But take out breakdown cover and you could be reassured that help is at hand, wherever you are.
When deciding on the right breakdown cover for you, you’ll need to consider:
Where you want cover for
locally
nationally
within Europe
What you want to cover
yourself
your family
a moped or scooter
multiple vehicles
What type of cover you want
roadside assistance
nationwide recovery
onward travel
at home
European cover
Levels of cover will vary, so knowing you have the right amount of breakdown protection will give you peace of mind; whatever you ride, wherever you go, 365 days a year. Compare quotes with us today to see if you can save.
To get a breakdown cover quote, you’ll simply need to give us a few details about:
yourself
your moped or scooter
the type of cover you want
any break downs you’ve had in the past 12 months.
Once we have your details, we’ll be able to send you a list of suitable breakdown quotes to compare.
It’s nice to know that you’re covered in all sorts of eventualities. But we all have budgets to stick to, and no one wants to pay for cover they won’t use.
When weighing up your cover options, read the terms carefully so you’re clear on exactly what is included and excluded. That way you can make an informed decision about what you need.
It’s also worth checking your car insurance policy to see if you already have any cover for things like misfuelling and lost or stolen keys.
Find useful information on breakdown cover, including policy types, costs and exclusions
The main difference between a scooter and a moped is the engine size. Typically, a moped has a 50cc engine or less and a top speed of around 28mph. Both will be covered by motorbike breakdown insurance.
Scooters are generally faster and more powerful than mopeds. Nowadays, models can range from 50cc right up to 750cc, although mid-range 125-250cc scooters tend to be the most popular.
If your scooter or moped is new, you might have motorcycle breakdown cover included in your warranty or motorbike insurance. If you find you’re not already covered for a breakdown, you can arrange cover as an add-on to your moped or scooter insurance policy. Alternatively, you could take out separate breakdown cover.
Personal breakdown insurance covers the person(s) named on the policy, rather than a specific vehicle. This can typically cover up to four people who live at the same address.
Vehicle cover is related to the vehicle(s) specified on the policy. Again, up to four vehicles can be covered (cars, bikes or vans), provided they’re all registered at the same address.
There are several types of breakdown cover. The one that’s right for you will depend on how far you intend to travel and where you might break down.
Roadside assistance: This is the most basic breakdown cover. Your moped or scooter could be repaired at the side of the road or towed to the nearest garage, if a roadside repair isn’t possible.
Nationwide recovery: Similar to roadside assistance, but you can choose where you and yourmoped or scooter are taken (as long as it’s within the UK).
Home start: If your moped or scooter won’t start at your home address or nearby, a recovery vehicle will come to your home – or within a quarter of a mile radius of it – to help you on your way. This varies between insurance breakdown providers, so check your policy.
Onward journey: This gives you alternative transport and possibly accommodation, allowing you to continue your journey. It’s worth noting that there are also policies that include cover in Europe. Check the details so you know which countries are included.
There’s a lot to think about when choosing breakdown cover for your moped or scooter. We make the process easier by helping you compare a range of motorcycle breakdown quotes to suit your needs and budget.
Amy helps make sure you get the best value when choosing insurance. Thanks to more than four years’ experience at Compare the Market, she understands what people look for, working closely with insurance providers to offer you deals and services that are fair, easy to understand and right for your needs.
What our expert says...
“If you also own a car, you may be able to combine your breakdown policy to include your moped or scooter. Some breakdown providers offer personal breakdown cover for your car, moped, scooter or motorcycle under one policy. This could work out more cost-effective than buying separate breakdown insurance for your vehicles.”