In the event that you are caught riding a moped without insurance, this can result in you receiving a fine, points on your licence, or even worse a court date.

In this blog, we are going to be discussing everything you need to know regarding being caught riding a moped/scooter without insurance…

So without further ado - let’s get into it!

Do you need insurance for a moped?

The answer is yes, when riding a moped on UK roads you are legally obliged to have Moped Insurance. Moped Insurance comes in three levels: Third Party only, Third Party, Fire & Theft, and Comprehensive - with the minimum required by the UK Government being Third Party Only!

What are the requirements to ride a moped in the UK?

Aside from having valid insurance, to ride a 50cc moped you will also need to:

  • Be at least 16 years old
  • Hold a Provisional licence
  • Possess a Valid CBT (Compulsory Basic Training) certificate
  • Display L Plates on the front and rear of your bike
  • or have passed your driving test before 1st February 2001

On the other hand, if you are interested in riding a 125cc scooter, you will be required to:

  • Are 17 years of age or older
  • Hold a Provisional licence
  • Possess a Valid CBT (Compulsory Basic Training) certificate
  • Display L Plates on the front and rear of your bike until you have passed your A2/Full Motorcycle Licence

What happens if you are caught riding a moped without insurance?

If you are caught by the police riding a moped without valid insurance you are at risk of receiving a fine, six penalty points on your licence, and an appearance in court.

It is also worth noting in this section that if you are ever caught riding without insurance, you will need to declare this to your insurers when setting up a policy  - as well as if you have been refused insurance on your moped.

What are the fines for riding a moped without insurance?

Per the official UK Government website, riding without insurance can result in you receiving an initial £300 fine and points. However, if it goes to court you may have to pay an unlimited fine and even a disqualification from riding entirely.

What type of insurance do I need to ride legally?

As we mentioned a little earlier in the article, UK Law will require you to have a minimum of Third-Party only insurance.


Can you ride a new bike home without insurance?

Regardless of whether you’re buying a brand new or used bike, in order to ride the bike home you will need to insure it first. Riding without insurance will wind you up in trouble with the possibility of having your bike seized - which is the last thing you want the first day of having your new bike!

Can you insure a moped for a day?

Unfortunately, many insurers out there are unable to offer single-day insurance cover for your bike. This being said, one quick Google search and you will be able to find plenty of options available to allow you coverage to get your bike home.

Do I need to pay insurance for a 50cc motorbike?

As we have referenced earlier in the blog, you will need to pay for insurance for your 50cc moped or motorcycle.

Find out how Lexham can help you!

So there you have it, we hope we’ve answered all of your questions regarding being caught riding your moped without insurance.

Last but not least, if you have your very own moped you need to insure, make sure to get an insurance quote direct with Lexham!