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 Piaggio’s registration number

• The make and model (e.g., MT-07, NMAX, YZF-R125)

• 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 Piaggio (social and commuting, business use, delivery, etc.)

• Your estimated annual mileage

Don't worry if you haven't got all the details to hand – request a callback and we can help you through the quote.

Yes, we insure all Piaggio scooters, mopeds and three-wheelers - from 50cc learner mopeds up to large-capacity maxi scooters and the MP3 range.

We have no capacity limits or model exclusions for Piaggio scooters. Whether you have a classic Zip from the 1990s, a modern Beverly 400, or an innovative MP3 three-wheeler, our team can provide cover.

Yes. Immediate quote and cover is available for all Piaggio models, provided the risk falls within our underwriting appetite.

If your specific Piaggio or circumstances require additional review, we'll let you know during the quote process. Request a callback if you'd prefer to speak to someone directly.

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

• Fitting additional insurance-approved trackers to your Piaggio 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 Piaggio. Be realistic about your annual mileage, too – estimating too high will increase your premium.

Request a callback and we can talk through more ways to lower your premium.

It depends on the model and your circumstances. Smaller Piaggio scooters like the Zip 50 or Liberty 125 tend to have lower premiums.

The MP3 three-wheeler can have different insurance considerations due to its unique design, and some riders choose it specifically for the perceived stability benefits.

Factors that affect your premium include your age, experience, location, the specific Piaggio model, and how you use your scooter.

At Lexham, we assess each case individually to offer you competitive cover.

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 things like exhaust systems, performance upgrades, custom paintwork, or any aftermarket parts. If you're in doubt, ask us.

We'll look at each Piaggio 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 go.

Before you head off, check your policy documents to see which countries you're covered in, how many days you've got, and what level of cover applies when you're abroad, as it might be different to what you've got in the UK.

If you need to extend your cover or you're going somewhere that's not included, request a callback before you go, or manage your policy on the Lexham Insurance App or through the Lexham Portal on our website.

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 request a callback, or adjust your policy on the Lexham Insurance App or through the Lexham Portal on our website.

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.