With smaller frames and less power than motorbikes, scooters are ideal for younger riders or anyone nipping around urban environments. They can be cheaper to buy, insure, and run, too - plus some models are pretty iconic. All in all, there's an awful lot to love, so it's not hard to see why so many of you ride them! And we don't want to be the party poopers in the room but, whatever your taste, you'll need insurance to ride legally and with peace of mind.
Standard motorbike insurance won't always cut it, but we're here to help you to sort specialist cover. You can use our service to get scooter insurance quotes from UK providers, including Carole Nash and Mackenzie Hodgson. Just enter a few details to compare cover in minutes. It really doesn't get much easier than that.
So, let's learn the ins and outs of motor scooter insurance and why you can rely on us to help you find cover that suits you.
Frequently asked questions
'Yes' is the simple answer to this! You need an active insurance policy to ride a scooter legally on UK roads. If you're caught riding without at least third-party scooter insurance, you could receive a costly fine plus six points on your licence. Why take that risk!?
The only exception is if you officially declare your scooter off the road with a Statutory Off-Road Notification (SORN) to the DVLA.
These two terms are often used interchangeably, and there's no official distinction. But scooters usually have bigger engines - 50cc and upwards vs up to 50cc - and generate faster speeds as a result.
Need cover for a moped instead? Head to our moped insurance page.
When you compare scooter insurance, you'll need to decide which of three levels of cover is most suitable. Fear not - we've broken them down for you right here.
Third-party insurance
This is the most basic level of cover available and the minimum legal requirement for riding your scooter on UK roads. It covers you for accidental damage to someone else's vehicle or property, but not for damage to or loss of your own scooter.
Third-party, fire and theft insurance
As the name suggests, the next option up includes the same third-party cover plus protection if your scooter is stolen or damaged by fire.
Comprehensive insurance
This level offers the most protection of the three. As well as all the cover offered by the two types above, you'll have insurance for accidental damage to your own scooter.
Unfortunately, there's no straightforward answer to this question, sorry! What we can say is that most scooters tend to have lower insurance premiums than motorbikes thanks to their smaller engines and lower speeds. That said, every scooter insurance quote is unique to the rider and vehicle in question, with several factors affecting your final policy price, including:
- The make, model, and engine size of your scooter
- Your age and riding experience
- The value of your scooter
- The level of cover that you need and any optional add-ons
- Any previous insurance claims and/or driving convictions
- Any modifications to your scooter
- Where you store your scooter
- Any extra security measures that you have in place
Firstly, it's understandable to look for cheap scooter insurance. After all, everyone loves a bargain! But the cheapest might not be the best, so you should make sure that you're getting the right level of protection. We'll try to help you to find cover that meets your needs, including on price.
We give you two payment options for scooter insurance: pay in one go at the start, or spread the cost over monthly instalments. You'll see both cost options with each quote, so you'll always know exactly how much you can expect to pay. There's no nasty surprises!
We'll compare different providers to help you find the right scooter insurance for your needs, which means that policy specifics can vary. But you're likely to find cover that includes:
- Riding in Europe for up to 90 days
- Protection of any no-claims bonus
- Any extra vehicles you might own under a multi-bike policy
Insuring a scooter isn't just about your ride, either. You can add:
- Helmets and leathers cover
- Breakdown cover
- Personal accident cover
- Legal expenses cover
How do I insure a scooter through Entire Cover?
You don't have to take the long way round to compare scooter insurance. Just head to our online form and enter a few details about yourself and your scooter. Moments later, you'll receive a selection of quotes from our providers. All that's left to do is choose the policy that suits your scooting!