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Moped Insurance

Hi Does anyone know anything about how much moped insurance can be? I'm female, 25, never driven (thus never crashed!).... THinking about getting a moped but really need to check out how much its going to cost before I go ahead with it... and am I right in thinking that I only need a provisional license & CBT training to ride with L plates? Or do you have to do another test too?

Hope someone can help me!

Cheers :biggrin:

Edit by CT: bigger discussion on motorbike insurance here

Cheap motorbike insurance comparison here

(edited 6 years ago)

Reply 1

fonzievision

Provisional and CBT is fine for riding with L plates. My provisional should get here in a day or two and I have my CBT scheduled for the 31st.

I've been checking out quotes and it's ranging from 500 to like 1600gbp per year. My friend says he pays 200... I dunno if I should believe that.

EDIT: so yeah, if anyone has any suggestions as to what insurance to get, lemme know.

Reply 2

technik

the insurance on my 125CC one was £375 3rd party only.

Reply 3

Peacey

It's usually cheaper if you go through a motorbike specialist - try Bennetts

Reply 4

fonzievision

technik

the insurance on my 125CC one was £375 3rd party only.

Mine will be 49cc only. What company do you use?

Reply 5

username21537

49cc? Wont it be quicker to walk everywhere?

Reply 6

Kingspharm

A 'moped' is a 49cc bike that is limited to 30mph or thereabouts. Anything up to 125cc is a 'learner motorcycle'.

If you have a full car licence then you can ride a 'moped' without L plates and carry a passenger (if you passed your test since some date, think it's in 2001, you have to do a CBT).

You can ride a 'moped' on a provisional licence, no passengers, must display L plates provided you have completed a CBT.

Reply 7

drawmeamonkey

when i had mine my insurance was 200-300, that was when i was 16, the excess was insane though!

i used to work for an insurance company that were very cheap for lady moped riders, but don't think i'm allowed to post a link on here!

Reply 8

drawmeamonkey

Kingspharm

A 'moped' is a 49cc bike that is limited to 30mph or thereabouts.

i bought mine brand new and it did 45 :eek:

maybe they forgot the restrictor! it was cool but i hated getting wet!

Reply 9

Anubis

My old moped was 49cc, cost me about £2k brand new and insurance for first year was about £800.

However, second year became only £350. Another major factor to consider is where you live - cos bikes and moped are much easier to steal than cars. I live in a large town near London - hence mine was v.expensive.

Now the ped is sold - and I have my lovely car. :biggrin:

Reply 10

drawmeamonkey

Anubis

cos bikes and moped are much easier to steal than cars.

yes - get a hefty lock! insurance approved if poss!

Reply 11

pattirudi23

jkthorp

yes - get a hefty lock! insurance approved if poss!

this is one of the main things I'm worried about - I know that they get stolen all the time... I did hear that some nice police stations can supply you free of charge with a cover and possibly some heavy duty lock... Do I need to put a chain through one of the wheels? Is that how it works (sorry dumb blonde here)

Also... Just realising that maybe moped was not the right word for me to use... it is a scooter (!) 102cc and goes up to 50mph. Is that going to make much difference in terms of insurance? 50 mph seems like nothing to me!!

And jk - is there anyway you could describe (!?) a link to your cheap for lady drivers insurance company?!

Oh, one more thing. Does anyone know anything about the test for a proper license so you can take passengers and burn the Ls? Ie what it entails and how much i coudl expect to pay for it?

Thanks everyone for the info - keep it coming!! :biggrin: