Moped & Scooter Insurance

Get a Moped Insurance or Scooter Insurance quote today from the two-wheeled specialists.

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EXCELLENT

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EXCELLENT

4.32 Average | 2282 Reviews

Insuring most types of Scooters & Mopeds

Lexham Insurance are specialists in scooter and moped insurance, with over 25 years of experience in the market. We also offer competitive insurance premiums on electric mopeds and scooters. 

  • 50cc Mopeds up to large capacity Maxi Scooters
  • Third-Party to Fully Comprehensive Scooter Insurance
  • Multi-bike policies
  • UK call centre
  • Dedicated claims line serviced by Lancaster Gate Assistance
  • Optional Access to Personal Injury Legal Services
  • Optional Breakdown, Personal Accident, Helmets and Leathers Insurance & Excess Protection available
  • Electric Mopeds & Scooters covered

At Lexham, we are proud to offer a dedicated 24hr claim line serviced by LGA, as well as optional access to legal personal injury advice in the event of a non-fault accident included with our policies.

We also offer a number of other optional extras for peace of mind such as Breakdown Cover, Personal Accident Cover, Helmets & Leathers Insurance, and Excess protection.

For our scooter and moped insurance, we are able to offer quotes & cover at short notice.

What types of insurance do we offer

  • 3rd party only

    Third-Party Scooter Insurance (TPO) is the most basic form of cover. This will cover you for any third-party damage or injury. This cover does not insure you for damages to your vehicle in the event of an accident.

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  • 3rd party fire and theft

    Third Party, Fire & Theft Insurance (TPFT), covers you for everything in Third-party Only Insurance, plus any fire-related damage to or theft of your vehicle.

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  • Comprehensive

    Fully Comprehensive (Fully Comp) Scooter and Moped insurance from Lexham offers you complete cover. You will be covered for all of the aforementioned and any accidental damage to your vehicle due to an accident.

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Moped & Scooter Insurance FAQs

Can I carry passengers with scooter insurance?

You'll be asked if you require pillion use as part of the quotation and this can be included provided you have the right licence entitlement.

Do Lexham insure electric mopeds and scooters?

We offer competitive rates on electric scooter insurance policies, and with over 15 years worth of experience providing electric scooter and motorcycle insurance, make sure to get a quote direct with us!

Do Lexham offer scooter insurance for young riders?

We insure riders from 16 to 75, so whether you are a learner on a 50cc scooter travelling to college or a well-experienced rider commuting on a large capacity maxi-scooter, we will endeavor to get you a competitive insurance quotation.

Do you need insurance to ride a moped or scooter?

Yes! You must have insurance to ride your scooter or moped on public roads. Whether you have a provisional or a full bike licence, we can offer you an insurance policy that’s right for both you and your two-wheeler.

How much does scooter insurance cost?

The cost of scooter insurance varies greatly and depends on many factors.  During the insurance quotation process, the person requiring insurance needs to answer important questions in order for the insurer to determine the premium cost for that person.

These important answers will give the insurers information on how much of a risk this particular insurance policy would be. Normally the higher the risk an insurance policy is deemed by an insurer, the higher the premium (insurance cost).

Everything from the typical make, model, and value to where the bike is kept, annual mileage, location, and policyholder's job are just some of the aspects which all contribute to an insurance quotation. To get a true idea of scooter insurance cost for yourself, get a quote today online with Lexham Insurance!

What do I need to get scooter or moped insurance?

If you’re looking to take out an insurance policy, in addition to your personal details we’ll need to know further information, such as:

  • Number plate

  • The make & model of your bike

  • Annual mileage

  • No Claims Bonus (NCB)

  • Details of any convictions

  • Details of any accidents in the last five years

  • You’ll also need to let us know if and when you passed your Compulsory Basic Training (CBT) and what type of licence you hold.

If you have any queries regarding the above, please call us on 01379 646 529, send us a message or use our live chat.  

What types of scooters and mopeds do Lexham insure?

We pride ourselves on getting you a competitive insurance quote for your moped or scooter. So, whether it’s a budget or premium brand 50cc/125cc scooter, maxi-scooter or three-wheeler, we aim to find the most suitable policy for you.

Do you offer 50cc Moped Insurance?

As two-wheel insurance specialists, we can provide insurance quotations on most new and used 50cc mopeds and scooters, including everything from premium European and Japanese models to budget Chinese machines - our 50cc moped and scooter insurance is specifically designed to tailor around the rider's needs!

Want to know how much insurance would be for you? You can get a 50cc moped insurance quote online with us today.

What is a Moped?

A moped is a two-wheel vehicle with an engine size under 50cc and capable of no more than 28mph. If the engine is larger than this, and has a step through frame and a platform for the riders feet then it is classified as a scooter.

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What do you need to ride a moped?

To get started riding you will need to be 16 years old or older and have a provisional licence. To ride as a learner you will also need to complete your CBT, and to remove your L-plates you will need to take a moped or motorcycle test. (Unless you have a full UK driving licence and passed your test before 1st February 2001 , in which case you can ride a moped without L-plates already).

Looking for something else?

Electric Motorcycle & Moped Insurance

Motorcycle Insurance

Classic Scooter

Breakdown Cover

Policy Add Ons

Having a policy with Lexham allows customers access to various benefits, all as standard.

You will also have the choice to add extras to your policy including Breakdown Cover, Excess Protection, Helmets & Leathers Insurance and Personal Accident Cover for an additional fee.

Breakdown Cover

Personal Accident

Excess Protection

Helmet & Leathers

Multi-vehicle Policies

At Lexham Insurance, we offer multi-vehicle schemes for riders with more than one bike.

This means customers can add various two-wheelers, such as adding classic scooter and 50cc moped all onto a single insurance policy.

For a multi-vehicle scooter and moped insurance policy, please call our broking team on 01379 646 529 who will be able to assist you with a bespoke quotation.

What vehicles do we cover

Scooters and mopeds come with a range of different engine sizes, from small 50cc mopeds that are great for beginners up to large capacity maxi scooters and three wheelers.

50cc Moped & Scooter Insurance

Mopeds will typically have an engine capacity of 50cc, and a top speed of around 28mph.

50cc Scooters & Mopeds make a great option for learners and new riders, as they can be ridden from the age of 16, once their CBT has been completed.

Here at Lexham, we can offer specialist 50cc moped insurance for both qualified and learner riders.

Electric Scooter Insurance

Lexham is one of the leading insurance companies to offer Electric Moped & Scooter Insurance to all riders above the age of 16.

In terms of which electric scooters you can ride, this will work in the same way as their petrol counterparts. For example, if you wish to ride a L1e Bike (50cc Equivalent) you will need to be at least 16 years old and hold a current CBT certificate, where as if you wish to ride a 11kW (A2 equivalent) two wheeler, you must have your A2 licence.

Maxi Scooter Insurance

Maxi Scooters are greater in size than normal scooters, and are better suited for commuting and touring. 

In terms of capacity, maxi scooters can start at 125cc all the way up to 600cc+. So, depending on which model you wish to ride, will dictate which licence you will need.

125cc Scooter Insurance

125cc Scooters & Mopeds can be ridden from the age of 17, once the rider has either completed their CBT, or passed their motorcycle theory test with an A1 Motorcycle Licence.

Classic Scooter Insurance

Any scooter that is over 20 years old is considered a classic. 

At Lexham, we can offer cover for all vintage/classic scooter makes & models, including the likes of Vespa and Lambretta.

Policies on classic scooters will include extras such as agreed value, salvage retention, and spare parts cover.

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