Yes, you do. It's against the law to ride on UK roads without at least third-party insurance, even if you've only got a provisional licence.

While you're not required to carry your insurance documents with you constantly, you must provide them to a police officer upon request - either on the spot or within 7 days by presenting them at a police station.

It's also advisable to keep your driving licence with you.

To get a quote, you'll need:

●        Your NIU’s registration number

●        The make and model (e.g., MQI, NQI, UQI)

●        Your riding licence details (whether you've passed your CBT, and what type of licence you hold – A1, A2 or full A)

●        Your postcode

●        Your date of birth

●        Details of any previous claims, convictions, or accidents in the last five years

●        Your no-claims bonus (if you have one)

●        How you'll use your NIU (social and commuting, business use, delivery, etc.)

●        Your estimated annual mileage

We insure most NIU scooters and mopeds.

We're particularly experienced with popular models from the NQi, MQi, and UQi ranges. Whether you use your NIU for commuting, leisure riding, or everyday transport, we'll endeavour to help find suitable cover.

Yes. Immediate quote and cover are available for most NIU models, provided the risk falls within our underwriting appetite.

If your specific NIU or circumstances require additional review, we'll let you know during the quote process.

You should tell us about any modifications when obtaining a quote and whenever changes are made during your policy. This includes cosmetic modifications, aftermarket accessories, upgraded security systems, performance-related changes, or alterations to the scooter's standard specification.

We'll assess each modification individually and do our best to find competitive cover.

Most policies include European cover for up to 90 days per year, with a maximum of 30 consecutive days per trip.

Before travelling, check your policy documents for the countries covered, the level of protection available, and any applicable restrictions.

If you require additional cover, get in contact with us or manage your policy through the Lexham App or customer portal.

You can if you've got the right licence for it. When you're getting a quote, we'll ask if you want pillion cover, and we can add that to your policy.

Check your documents to make sure it's included. If you haven't got pillion cover but need to add it, get in contact with us, or adjust your policy on the Lexham Insurance App or through the Lexham Portal on our website.

There are several ways you may be able to reduce your premium:

●        Keep your scooter in a secure location overnight.

●        Use approved security devices where appropriate.

●        Build up your No Claims Bonus.

●        Accurately estimate your annual mileage.

●        Consider a higher voluntary excess if it's affordable for you.

The price of your insurance premium depends on the model and your circumstances. Smaller capacity NIU scooters, such as the MQi GT and UQI, tend to have lower premiums.

Higher-specification models, such as those in the NQii range, may cost more to insure depending on their value, performance, and intended use.

Factors that also affect your premium include your age, riding experience, location, the specific NIU model you ride, where it's stored overnight, and how you use your scooter.

At Lexham, we assess each case individually to help find competitive cover tailored to your needs.

Yes, through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You can view your documents, renew your policy, update your details, make changes to your cover, and even report claims. It's available 24/7.

Yes, we're based in Diss and Thetford. Having a UK-based team means you're speaking to people who understand UK roads, and we're around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year, serviced by Lancaster Gate Assistance.

Whether you've had an accident at 3am or need to make a claim on a Sunday, you can get through to someone straight away.

We've been insuring mopeds, scooters and motorcycles for over 25 years.

In that time, we've built expertise in small-capacity bikes, young and learner riders, urban commuters, and delivery riders. That experience means we understand what two-wheeler riders need.