For thousands of scooter enthusiasts in the UK, riding is a way of life. Whether your moped or scooter is your dream bike or it’s a stop gap until you pass your full bike test, we’re sure you love life on two wheels.
And of course the big highlight of having a scooter is that you get to buy motorbike insurance. OK, we know that’s not true. But you do need to have insurance to ride on the road.
There are many providers out there so it can be hard to find a good value policy without shopping around. That’s why we do motorcycle insurance comparison, to help you find the right quote for you and your scooter. Whether you need to compare motorcycle insurance or get a scooter insurance quote, we make it easy.
Ready, steady, compare!
You can see a list of scooter insurance quotes in just a few minutes by completing our quote form. We’ll start by asking you for your name, address and the registration of your bike. If you aren’t sure of your reg you’ll still need to enter some details to get a quote, so select the type of bike manually using our lists.
Next we’ll need a couple more details – your marital status, employment status and an email address so that you can come back to your quote later. Then we need to know your riding history – whether you have a full or provisional licence and how long you’ve been riding.
Details about your scooter
Next we’ll ask you for the current market price of your bike or scooter. Be as accurate as possible with this because it could mean your underinsured on your motorbike insurance. Also,bear in mind that a number of things can help you reduce your premium, such as fitting an approved security device to your scooter could make your policy cheaper, and so could parking it in a locked garage.
Then there are just a few questions about the kind of bike insurance you need, and then you’ll get a page of motorcycle quotes for you and your scooter.
They’re listed in price order, so the cheapest bike insurance quotes are at the top of the page. The prices we show are the total annual price, but if you prefer to pay by monthly instalments these prices are shown too. The table also sets out what is or isn’t included in the policy – breakdown cover, motor legal insurance, personal accident cover etc.
If breakdown cover is included, you’ll be able to call for assistance if you have a puncture or the scooter breaks down.
Motor legal protection could help you if you need to recover uninsured losses following an accident. For example if you are injured and unable to work due to an accident that wasn’t your fault. It could also help if you need to pay legal costs if someone makes a claim against you for an accident you caused.
If you’re lucky enough have a few years’ no claims discount, you may want to protect it for the future, even if you make a claim.
Another option is personal accident cover, which means you can could claim a lump sum if you are injured in an accident. You could also insure your helmet and leathers, as these can be expensive to replace. Some policies include cover for your helmet and protective clothes, others offer this as an add-on.
Cutting your costs
If the cost of insurance looks more expensive than you’d hoped, there are a few things to try. First, try a higher voluntary excess in the box at the top of the page, as this should bring each bike insurance quote down. It means that you might have a cheaper policy, but just make sure you can afford the excess if you need to make a claim.
Another option you could try is looking at third party, fire and theft policies. Again you just need to adjust the options in the box at the top of the page. Third party cover can often be cheaper than fully comprehensive, but remember, they only cover damage to other people and property, not your own bike. This is more appealing if your own bike isn't worth very much, but if the difference between third party cover and comprehensive insurance is small, you usually get more protection with comprehensive.
Always read the details
Once you’ve chosen motorcycle insurance that you’re happy with, click 'Go to provider' to buy the policy online. Do make sure you understand all the details of the insurance before you buy it so that you have the right cover in place – it may not be the most fascinating bit of reading you’ll do this week, but it is important to understand your level of cover and make sure you have everything you need covered.
And don’t forget, if you buy your policy by linking through from us, you will benefit from the fabulous MEERKAT MOVIES!* You can get 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week for a whole year.
*Find out more about Meerkat Movies