Moped Insurance - All you Need to Know Beforehand

Vespa scooter It's not always easy finding the best 50cc moped or moped insurance. Things can get even trickier in the scenario where you are just learning to ride or are below the age of 25. Here's an insight into how you can get the best moped insurance quotes for your scooter or moped.

In the scenario where you have bought a brand new moped, it would be a good idea to check the original manufacturer's moped insurance deal.

Say for instance, you are just learning to ride and live in a big city like London or Birmingham, you would find that insuring a second or third hand moped costs just as much as when you would buy a new moped. This mostly comes for free in the first year.

To give you a better picture, we are citing an example for the above. Say for instance that you are buying a brand new Kymco Agility City 50. It should be noted that Kymco has a moped insurance package on the model, Agility City 50 and also other models for individuals who are above the age of 25. Apart from this, they provide a third party fire/theft package for just less than 250 pounds deal for people in the age bracket of 16-24. You could also get a SYM DD50 package that comes with free coverage for the first year in the original purchasing package as you step out of the showroom.

Chances are that you might have heard about the names SYM and Kymco from this article for the first time; however, it needs to be said that these are fairly decent models that are made in Taiwan and they are known to provide the end user with decent scooters apart from providing a superior network of dealers in the UK.

Search in the Specialists for Mopeds and Scooters

When it comes to the major players in motorcycle and moped insurance in the UK, the names that you would be looking for would include Bennetts, eBike, Hastings, MCE, Devitt, and Carole Nash.

It's pretty easy to apply for moped insurance as online forms are easily available, so you don't even have to step out of your home. It's always easier if you have all necessary documentation and driving information in hand while you are filling out the online forms. There are some factors that you need to keep in perspective while filling the forms such as the projected mileage. You could invest in a good anti theft system. Most 50 cc mopeds don't get much in the way of coverage for theft. So instead of wasting your coverage on anti-theft insurance, get a nice strong lock-chain system and save substantially in terms of the premium you pay.

Comparison websites are not as much of help as you would think them to be. On checking one of these websites, we entered the details of a beginner rider below 20 years of age with a provisional licence, an East London postcode, and no security. The package was quoted for a Vespa Piaggio Typhoon 50, with a projection of around 5000 miles per annum in commuting.

We could see that a website came up with the best deal at 944.61 pounds. The most outlandish quote we got was a bewildering 1953 pounds offered by Devitt. We couldn't imagine someone with a sane disposition taking up this ridiculous offer.

To test it out, we modified the quotation seeking a complete compensation cover, while we stepped up the excess to 600 pounds. The cheapest premium we got was a little below 2000 pounds from another dealer, with the highest quote coming in at over 2200 pounds from another provider.

So basically, what we could get out of this whole exercise was that it is simply not worth it to insure your moped with a full comprehensive if you are a beginner ride. You would do better off by risking any financial losses that you would probably incur by getting involved in an accident while on it.

Here are some tips that would help you if you own a moped and do most of your getting around on it. Well, it would very well hold good even if you use your moped on rare occasions for that odd trip to the store or extremely short distances.