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.

To get a quote, you'll need:

• Your bike's registration number

• The make and model

• 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 the bike (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.

If you own a moped or scooter, you need to insure it – even if you haven't completed your CBT yet.

If you're not riding it yet, you can declare it SORN (Statutory Off Road Notification) so the DVLA knows it's not being used.

Yes, absolutely. We cover riders from 16 to 75, whether you've just passed your CBT on a 50cc moped or you're learning on a 125cc with L-plates.

We know young and learner riders can struggle to find competitive insurance. That's why we've spent 25+ years building expertise in this exact area.

The cost of your insurance depends on many factors, including your bike, your age, your riding experience, where you live, and how you use your moped or scooter.

Younger and less experienced riders typically pay higher premiums because insurers see them as higher risk. Your actual premium will depend on your individual circumstances.

Get a quote to see your exact price.

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

• Fitting additional insurance-approved trackers to your moped or scooter can provide discounts. Keep your bike in a secure garage or premises overnight – mechanical locks are a policy requirement.

• Your riding record: Accruing your no claims bonus is the single most efficient way of building up discounts on your insurance quote. Avoid points on your licence.

• Policy choices: You could choose a higher voluntary excess to lower your insurance premium. However, take care in ensuring you would still be able to afford the excess should a claim arise, and that the value of the excess does not exceed the value of your vehicle.

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

You can, but you need to have the right licence for it and your insurance needs to cover pillion cover. 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 in the Lexham app.

If you're just riding to and from one workplace or college, standard commuting cover is fine.

But if you're doing delivery work (food, parcels, etc.), you'll need specialist delivery rider insurance with Hire and Reward cover.

Request a callback if you're not sure what you need.

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.

Modifications will usually increase your premium, but we'll work to find you competitive cover. If you're in doubt about whether something counts as a modification, please ask us.

Yes. We offer competitive rates on most electric models.

Many insurers charge higher premiums for electric bikes, but we understand these vehicles and can offer competitive rates.

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.