Moped and scooter breakdown cover

Keep your scooter on the road

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Expect the unexpected

Find cover to get your wheels turning after a breakdown

Cover for every kind of journey

Peace of mind for commuting and weekend rides

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What do I need to know about moped and scooter breakdown cover?

If you own a scooter, moped or motorcycle, the last thing you want is to be stranded at the side of the road if it breaks down.

Breakdown cover can offer reassurance by providing access to help when you need it. The level of assistance you receive will depend on your policy, so check what's included and where you're covered.

What moped and scooter breakdown cover do I need?

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.

What do I need to get a quote?

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.

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Amy Rootham

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.”

Amy Rootham, Insurance expert

Do I need extra cover?

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.

Woman in a black helmet and leathers sat on a black motorbike and zipping their jacket

More advice on breakdown cover

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See our breakdown cover guides

FAQs

What’s the difference between a scooter and a moped?

A moped is defined by its engine size and maximum design speed. In the UK, a petrol moped has an engine capacity of 50cc or less and a maximum design speed of 28mph.

A scooter, on the other hand, refers to the style of motorcycle rather than its engine size. Scooters are available in a range of engine sizes, from 50cc models to much larger, more powerful bikes. Some smaller scooters will meet the legal definition of a moped.

Breakdown cover may be available for both mopeds and scooters, but check your provider's policy for vehicle eligibility and any engine size restrictions.

Am I already covered for moped and scooter break downs?

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.

What’s the difference between personal and vehicle 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.

What types of bike breakdown cover are there?

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.

Get a quote

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Sam Wilson
Reviewed 13 Nov 2026 bySam WilsonInsurance expert

Sam Wilson is Head of Commercial Finance at Compare the Market and one of our core insurance experts on motor, home, van, motorbike and pet insurance products.

With over seven years at Compare the Market, Sam has a detailed understanding of how customers shop for insurance, what drives differences in premiums, and how small changes — such as shopping around at renewal or reviewing cover — can make a meaningful difference to what people pay.

Sam regularly comments in national and trade media on insurance costs, value for money and consumer savings, helping people understand how to get a good deal without focusing on price alone.