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 at all times, 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 Vmoto registration number.

·        The make and model (e.g. CPx, TC Max, TSX, Stash).

·        Your riding licence details (whether you've passed your CBT and what type of licence you hold – AM, 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 Vmoto (social and commuting, business use, delivery, etc.).

·        Your estimated annual mileage.

We insure most Vmoto motorcycles and scooters, from learner-friendly electric models through to larger commuter and performance-focused machines.

We focus on motorcycles and scooters that suit learner riders, commuters, everyday riders and those making the switch to electric transport.

We're particularly experienced with popular models such as the CPx, TC Max, TSX and Stash.

Immediate quotes and cover are available for most Vmoto models, provided the risk falls within our underwriting appetite.

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

You need to tell us about any modifications, both when you're getting a quote and any time you make changes during your policy. That includes upgraded batteries, custom paintwork, performance upgrades, or any aftermarket parts. If you're in doubt, ask us.

We'll look at each Vmoto individually. Modifications will usually increase your premium, but we'll do what we can to find you competitive cover.

Most of our policies include European cover for up to 90 days a year, with a maximum of 30 days in one trip.

Before you travel, check your policy documents to see which countries you're covered in, how many days you've got available and what level of cover applies while you're abroad, as it may differ from your UK cover.

If you need to extend your cover or you're travelling somewhere that's not included, get in contact with us before you go, or manage your policy via the Lexham Insurance App or the Lexham 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, just get in contact with us or adjust your policy on the Lexham Insurance App or through the Lexham Portal on our website.

There are a few things that can help bring down your premium:

• Fitting additional insurance-approved trackers to your Zero motorcycle or scooter can provide discounts. Keep it in a locked garage or secure premises overnight if possible. Please note that mechanical locks are a policy requirement.

• Your riding record makes a big difference. Accruing your no-claims bonus is the single most efficient way of building up discounts on your insurance quote. Try to avoid getting points on your licence or having accidents.

• When setting up your policy, you could choose a higher voluntary excess to lower your insurance premium. However, take care to guarantee you would still be able to afford the excess should a claim arise – and that the value of this excess does not exceed the value of your Zero model. Be realistic about your annual mileage, too – estimating too high will increase your premium.

It depends on the model and your circumstances. Smaller VMoto scooters can often attract lower insurance premiums, while higher-performance or longer-range models may cost more to insure.

Factors that affect your premium include your age, riding experience, location, the specific VMoto model you ride, and how you use it.

At Lexham, we assess every case individually to help find the right cover at a competitive price.

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.