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Scooter and moped insurance for urban zippers.
Some brokers think a Super Cub is the latest Marvel character. We know it’s a two-wheeled icon with bite, heart, and heritage. That’s the BeMoto difference.
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What is scooter and moped insurance?
Scooter and moped insurance is your essential sidekick for life on two small wheels, quick, nimble and built for getting you there with style and ease. Whether you’re commuting on a modern twist and go or cruising on a retro Vespa, these compact machines deserve proper protection.
It’s not just about ticking the legal boxes. It’s about covering the real risks, like theft, damage or third party claims, so you can focus on beating the traffic, not worrying about what ifs.
Because scooters and mopeds are often targets for theft and misuse, the right insurance gives you peace of mind that your ride is protected, whether it’s parked outside college, the office or your favourite coffee stop.
And because we know no two riders are the same, we offer options to suit new riders, commuters, city slickers and weekend wobblers alike. Think of it as tailored cover for your daily dash or laid back cruise, without the nonsense.
And if scooters and mopeds aren’t your only ride?
Whether you ride one bike or a whole garage-full, we’ve got cover that fits. Use the links below to explore the full range of specialist products we offer:
Motorbike insurance where size doesn’t matter
Multi bike insurance for garage hoarders
Classic motorbike insurance for retro riders
Trike insurance for three-wheeled warriors
Custom and modified bike insurance for the tweaked, tuned and totally unique
Scooter and moped insurance for urban zippers
Why choose BeMoto for your scooter and moped insurance?
At BeMoto, we know no two riders are the same. That’s why our motorbike insurance is built to fit your world, with flexible policies you can tailor to suit your bike, your mileage and your budget. We search our trusted panel of insurers to find you cheap motorbike insurance without skimping on cover, so you get great value without compromise. Add in multi bike discounts, no fees for changes and award winning service, and you’ve got the BeMoto difference.
Multi bike discounts
Cover your collection with a multi bike insurance policy to save time and money..
No amendment fees
Avoiding unexpected fees means more cash to spend on upgrading your gear!
Award winning service
We’ve been awarded Feefo’s Platinum Trusted service award five years in a row.
More reasons to insure your scooter or moped through BeMoto
When you insure with BeMoto, you’re getting more than just a policy. Our Titanium motorbike insurance comes fully loaded with UK & European breakdown assistance, cover for your helmet and leathers, and personal accident insurance as standard.
Want even more peace of mind? You can bolt on extras like Excess Contribution and Licence Defence for added protection.
Plus, with 24/7 claims support, UK-based call centres, prize giveaways, and exclusive perks, we’re here to look after bikers like no one else and help to fuel your passion.
UK call centres
24/7 claims support
£100k legal expenses
Modifications cover
90 day riding in Europe cover
Personal injury insurance*
Full breakdown assistance*
Helmet & leathers insurance*
Licence defence insurance*
Excess contribution*
Offers & discounts
Prize giveaways
*Helmet & leathers cover, breakdown assistance, and personal injury insurance are all included as standard with our Titanium motorbike insurance (our most popular option). Excess Contribution cover and Licence Defence are available as optional extras.
What types of scooter and moped insurance do we offer?
Choosing the right level of motorbike insurance isn’t just about ticking a box, it depends on what you ride, how you ride, and what you want covered if things go wrong.
There are three main types of cover: Third Party Only (TPO), Third Party, Fire & Theft (TPFT), and Comprehensive. Each offers a different level of protection, from the bare legal minimum to full-fat, top-shelf peace of mind.
Here’s what each one actually means, no jargon, no faff.
Third Party Only (TPO)
Third Party Only (TPO) cover is the minimum insurance required by law to ride or park your bike on the public highways. It provides liability insurance for injury to other people or damage to their property caused by your motorbike.
Third Party, Fire & Theft (TPFT)
Third Party, Fire & Theft (TPFT) provides the same liability cover required by law as TPO, but also benefits from fire and theft cover too. It’s the middle ground between TPO and Comp, however it does not provide cover for accidental damage to your motorbike that is your fault. If you’re hit by a third party you can claim from their insurance.
Comprehensive Motorbike Insurance
Comprehensive motorbike insurance covers all the stuff provided by TPO and TPFT cover, as well as accidental damage to your motorbike. If you’re hit by a third party you can claim from their insurance directly, or you can claim from your policy and wait for the insurer to recover their losses.
How can you get cheaper scooter and moped insurance?
Want to keep your premium low without compromising on cover? These are some of the key factors that influence what you pay:
- Bike type and engine size: The faster or more desirable the bike, the more it usually costs to insure.
- Your age and experience: Newer or younger riders tend to pay more, while experienced riders with clean records are rewarded with lower premiums.
- Where you live and store your bike: Bikes kept in secure garages in low-risk areas usually cost less to insure than those parked on the street in busy urban zones.
- Annual mileage and usage: The more you ride, especially for commuting, the higher the risk—occasional or leisure riders may pay less.
- Security features: Alarms, immobilisers, trackers and secure locks can all help bring the price down.
Want a handful of quick tweaks that could actually make a difference? Check out our blog post: How to get cheap motorbike insurance: 9 smart ways to save for smart tips like adjusting your excess, protecting your no-claims discount, and being realistic about your mileage.
Scooter and moped insurance recommended by over 98% of our customers
With 16,000+ reviews across the web, we don’t need to blow our own trumpet, our customers do it for us. Rated 4.9 out of 5 on Google, with 98% of reviews giving us a big thumbs up.
Frequently asked questions about scooter and moped insurance.
What is scooter and moped insurance?
Scooter and moped insurance covers you financially if your bike is stolen, damaged or involved in an accident. It also keeps you legal to ride on UK roads, with cover levels ranging from Third Party Only to Fully Comprehensive.
Do I need insurance for a 50cc moped?
Yes. Even if you’re riding a 50cc moped on a CBT licence, insurance is still a legal requirement in the UK. You must have at least Third Party Only (TPO) cover to be on the road.
What affects the cost of moped or scooter insurance?
Several things impact the price, including your age, riding experience, location, bike make and model, security measures and annual mileage. Modifications or lack of secure parking can also affect your premium.
Does moped insurance cover me for commuting?
It depends on the policy. If you use your moped or scooter for riding to work, make sure your insurance includes commuting. Some basic policies only cover social, domestic and pleasure use, so check before you buy.
Can I insure a scooter or moped that has been modified?
Yes, but you’ll need to declare any modifications when getting a quote. Changes like aftermarket exhausts, custom paintwork or performance upgrades can affect your premium. Honest disclosure ensures your scooter or moped is properly covered if something goes wrong.
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