Moped and Scooter Insurance

Protect yourself whilst on the roads with comprehensive moped and scooter insurance.

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Why choose Howden for Moped and Scooter insurance?

Here at Howden, as a specialist broker, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing multiple moped insurance policies, on your behalf, simple and easy. What’s not to like?

We also know that each policy needs to be as individual as its moped or scooter owner, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your moped and scooter insurance.

Ultimately, whether you need to make a claim, purchase a new moped or scooter policy, or renew an existing one, we’re here to help.

Benefits of working with Howden:

  • You can trust us – we’re rated Excellent on Trustpilot.
  • We’re driven to save you time, money, and hassle.
  • Benefit from a tailored service that comparison sites can’t provide.
  • Speak with your local branch, within your community.
  • We’re right by your side in the event of a claim.

What is Moped and Scooter Insurance?

Much like motorcycle insurance or motorbike insurance, moped insurance and scooter insurance are types coverage that are designed to financially protect owners and riders of mopeds and scooters in case of accidents, damage, theft, or other unexpected events.

Getting insurance for your moped or scooter is essential for protecting your vehicle investment, ensuring that you’re provided with financial support you need in case anything unfortunate were happen.

Do I need insurance to drive a scooter or moped?

As well as making sure you have a valid driving licence, you’re legally required to have insurance if you are riding your own scooter or moped in the UK. Much like car policies, insurance for mopeds and scooters is designed to provide financial protection in the event of accidents, theft, or damage to your vehicle, as well as covering liability for any injuries or damages caused to others. All in all, it’s essential for ensuring your own safety and complying with UK road laws.

We can also source policies that can cover various different types of scooter or moped, including:

  • Classics
  • Modified
  • Multi-bikes

Our specialists have been providing moped and scooter insurance for decades, and they understand that the type of cover you need depends on the type of moped or scooter you ride - and the way you ride it. We negotiate on your behalf work with our specialist providers to find the right policy for your wheels, saving you time, money and hassle.

More information about Moped and Scooter Insurance

What does moped and scooter insurance cover?

A moped or scooter insurance policy provides coverage for various aspects of owning and operating a scooter, depending on the specific policy and coverage options you select. The coverage can vary from one insurance provider to another, but here are the typical three levels of coverage that’s on offer with scooter insurance policies:

Third-Party Only

Third-party insurance protects the other person involved in an accident, meeting the minimum legal requirement.

Third-Party, Fire & Theft

This extends the coverage to include damage to your vehicle caused by fire, attempted theft, or if it's stolen, in addition to covering the other party in an accident.


This provides the most extensive coverage, including all of the above, along with protection against accidental damage, accident coverage, and various additional extras. These additional benefits, such as breakdown cover and personal accident cover can vary depending on your insurance provider.

If you still have any questions regarding how an insurer’s moped or scooter insurance works, don’t hesitate to get in touch with us. We can get you touch with a member of our specialist team who can talk you through your options and give you a greater insight into how scooter insurance policies can benefit you.


How much is moped and scooter insurance?

Until you provide us with all the necessary information about you and your moped or scooter, it’s hard to estimate exactly how much your insurance policy premium will be.

In general, the greater the engine size, the higher your moped or scooter insurance cost is likely to be. This is because larger engines pose a greater risk, and the expenses associated with repairs tend to be elevated. These factors are then considered by insurance providers when determining how much insurance costs.


How to get a moped or scooter insurance quote

So now you know all about moped and scooter insurance, you’re probably wondering how you can get a quote.

To do so from us, we’ll need you to provide us with information. This includes:

  • Information about any accidents within the last five years

  • Your estimated annual mileage

  • Your vehicle's registration number

  • The number of years of your no claims bonus

  • Any details of previous convictions

As well as this, you'll need to inform us about your Compulsory Basic Training (CBT) completion date and the type of driving license you possess.

Once we have all that information from you, we’ll be able to get in touch with the specialist insurance providers we work with and collectively help you get your hands on a scooter or moped insurance quotation that suits you and your needs.

Looking for motorcycle or motorbike insurance quote instead? Get in touch with a Howden specialist and find out more about how we can help you find cover for your bike.


Related Articles & Guides about Scooters and Mopeds

Take a look at our moped and scooter insurance articles and guides…

Are e-scooters legal - and do you need insurance?

The Long Way Round for the Spirit of 63!


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