Why choose Howden for Scooter Insurance?
Howden is the new name for A-Plan. Here at Howden, as an insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to, and this is no different when we provide scooter insurance. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing multiple policies, on your behalf, simple and straightforward. What’s not to like?
Our team also know that each policy needs to be as individual as its owner, and that’s why Howden provides a personalised service, focused on getting to know you and finding out exactly what you want from your specialist insurance.
Just know, whether you need to make a claim, purchase a new scooter policy, or renew an existing one, we’re here to help you get fully covered.
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 scooter insurance?
Like moped insurance or motorbike insurance, scooter insurance is a type of insurance coverage that’s designed to financially protect owners and riders of scooters in case of accidents, damage, theft, or other unexpected events.
Getting scooter insurance is essential for those looking to protect their scooter-related investment, and ensuring that they are provided with financial support if anything unfortunate happens to their scooter.
Do you need scooter insurance to drive a scooter?
Just like you need to have insurance to ride a moped or scooter, or drive a car, you are legally required to have a minimum of third-party insurance in order to drive your scooter on UK roads.
We offer three levels of insurance and our most comprehensive level of scooter cover is designed to provide financial protection in the event of accidents, theft, or damage to your scooter, as well as covering liability for any injuries or damages caused to others.
As well as insurance, it's a legal requirement that you have some form of driving licence following a scooter, moped or motorcycle test to ride any one of these vehicles.
What does scooter insurance cover?
A 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 cover 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 scooter 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 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 scooter insurance?
Until you provide us with all the necessary information about you and your scooter, it’s hard to estimate exactly how much your scooter insurance policy premium will be.
In general, the greater the engine size, the higher your 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 the cost of your premium.
How to get a scooter insurance quote
So now you know all about 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 providers we work with and collectively help you get your hands on a scooter insurance quotation that suits you and your needs.
Related Articles & Guides about Scooters
Take a look at our scooter insurance articles and guides…
What’s the differences between a moped and a scooter?
Scooters and mopeds share several resemblances, although there are some subtle differentiating features too.
The primary distinction lies in the moped's smaller engine, which typically incorporates pedals and is frequently constrained to a maximum speed of 28mph (45km/h). Scooters, on the other hand, usually feature a step-through frame design and a footrest platform, with engine sizes ranging from 50cc to even as high as 750cc. Therefore, whether or not you're looking for more power and speed in a vehicle may help you decide between buying a moped or scooter once you've passed a driving test.
Is there a difference between scooter and moped insurance?
Moped or scooter insurance? The differences come down to the types of vehicles that they are.
Mopeds tend to typically come with more affordable insurance rates because they feature smaller engines and slower maximum speeds, which reduces their perceived risk on the road. Given that mopeds are limited to a maximum speed of 25mph and cannot be used on motorways, they are less likely to be chosen for longer journeys. From the perspective of insurance providers, shorter trips equate to lower risk. Consequently, moped insurance tends to be generally cheaper and more budget-friendly.
However, it's worth noting that either scooter or moped insurance remains reasonably priced, and you might find yourself pleasantly surprised by the affordability of moped and scooter insurance quotes.
Does scooter insurance cover theft?
Yes, scooter insurance can cover you if you are a victim of theft. To ensure that you are covered if your scooter is stolen, you’ll need to make sure you have Third Party, Fire and Theft coverage on your scooter insurance policy.
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