**50% of people could achieve a quote of £332.41 per year for their 50cc bike insurance based on Compare the Market data in June 2021.
Why compare 50cc motorbike insurance with us?
A 50cc moped is a smart choice, particularly for young people who are looking for a bike that’s cheap to run - with low fuel, tax and insurance costs. From retro scooters to modern motorbikes, ensure you keep the costs down by comparing 50cc insurance deals.
There's nothing like the feeling of freedom you get from life on two wheels. Let us help you find the insurance you need to make the most of this.
Frequently asked questions
What is a 50cc bike?
If you're new to motorbikes, 50cc bikes have the smallest engines and are the first option for 16-year-old newbie riders looking for their own wheels. They come in both motorbike and scooter styles, so you can choose the riding position you prefer. Because they have such a small engine, they can't go very fast, but they are incredibly economical. This also means their insurance premiums could be lower than faster bikes with bigger engines.
I’ve only got a provisional licence. Can I get motorbike insurance?
As soon as you've got a provisional licence and you've completed your Compulsory Basic Training (CBT), you can ride a 50cc motorbike – remember you're legally required to have L-plates though.
If you don't pass your full theory and practical tests, you'll have to re-take the CBT every two years. Do that and you can still carry on riding (with the L-plates) and even rack up years of no-claims discount if you don't need to make a claim.
There's a downside though. Because you're still classed as a learner driver, insurance providers will see you as a bigger risk on the road and you'll probably find that your insurance costs are higher. In the long run it might make better financial sense to get that full licence and throw away those L-plates.
What's usually included in 50cc motorbike insurance policies?
Different insurance providers include some things as standard, while others make them add-ons to a policy. Here are a few things to look out for when looking at different insurance quotes, to check if they’re included or not:
- Breakdown cover – you'll be able to call for roadside assistance as a minimum if your bike breaks down and leaves you stranded.
- Legal expenses insurance – if you're involved in a road accident and need to make a claim, or if a driver makes a claim against you, this could cover some or all of the legal costs.
- No-claims discount protection – you can choose to protect the number of years you've had no claims. However, that doesn't necessarily mean that there won't be an increase in the price of your insurance policy following an accident, even if you're not at fault.
- Personal accident cover – you could get a lump sum if you're injured in an accident. The lump sum is paid based on the seriousness of the injury. Cover levels vary by provider, so think carefully about the level you need.
- Helmet and leathers cover – this can insure your essential biker's gear if it's damaged in an accident and you need to repair or replace them.
Tips for lowering your insurance premium
Insurance costs can be steep, especially for first-time riders, but there are a couple of things you can try to get that cost down.
Add a higher voluntary excess – this is the amount you'll have to pay if you make a claim alongside any compulsory excess. Generally, the higher it is, the lower your insurance policy premium could be. But you need to make sure you can afford this if you do end up in an accident and have to claim.
Park in a garage – where you park can affect the cost of your insurance, as it can increase the risk of your bike being stolen or damaged. Where possible, park on a private driveway or a locked garage.
Should I get third party or fully comprehensive insurance?
There's three different cover levels, but the details can vary between providers, so check the terms and conditions carefully. The three cover levels are:
- Third party only – you get cover for any damage you, or any named drivers, cause to a third party while you're riding your bike.
- Third party, fire and theft – as well as third-party cover, this also provides cover for fire damage, the theft of your bike, or damage caused by the attempted theft of your bike.
- Comprehensive cover is the widest form of protection as it covers you for third party, fire and theft, and for any damage to your bike resulting from an accident.
Third-party cover can be cheaper than fully comprehensive policies. As such, third-party cover can be an advantage if your bike isn't worth very much. But make sure you check the price difference, to see where you can get the best deal.
Make sure you get the level of cover that you need.
What if I don't have a CBT?
As long as you passed your car driving test any time before 1 February 2001, you can ride a 50cc motorcycle without having to display L plates - and without taking the CBT.
Why take a moped test?
You might want to take the CBT to gain independence on two wheels. Perhaps you’re a 16-year-old who wants the freedom a moped can give you, before you become eligible for car driving lessons at 17. A moped test may also be attractive for people who want cheap two-wheel transport.
How can I keep 50cc insurance costs down?
There's several ways to help keep your 50cc insurance costs down. These could include:
- Anti-theft equipment: Some insurance providers may offer you a lower premium if you’ve invested in security features like a bike lock, alarm and ground anchor bolts (to chain your bike to permanent fixed objects).
- Secure parking: You could lower your premium by storing your bike in a locked garage overnight or in your back garden – providing it’s secure.
- Realistic annual mileage: Most people who ride 50cc bikes don’t travel very far in a year. Your insurance could be more expensive if you overestimate your yearly mileage, so be realistic when stating your annual mileage.
What information do I need to get an insurance quote for my 50cc motorbike?
Before starting your quote, make sure you have details of:
- the make and model of your 50cc motorbike or scooter and the registration number, if you know it. These will be on your vehicle registration document
- the year it was manufactured
- any modifications after manufacture
- the value of your motorcycle and the date you bought it, if applicable
- how long you've had your motorbike licence and if it's full or provisional
- any claims or convictions
- any additional riders, including any claims and convictions they may have had
- any special security devices you carry or have had fitted to your motorbike
We'll also ask for your name, address, marital status, employment status and email address.