Moped Insurance
At Carole Nash, we’ve been one of the UK’s leading motorbike insurance experts long enough to know that everyone deserves a suitable policy.
As a specialist broker, you can easily arrange your cover through us. We’ll show you some options and then it’s up to you to choose the moped insurance quote that suits your needs.
You can get your free moped insurance quote online through us today or if you’d rather speak to a member of our team, you can give us a call on 0333 005 3355.
Based on reviews of all products
At Carole Nash, we offer two tiers of moped insurance:
Platinum – our base level of cover includes features such as EU cover, 24 hours a day, 7 days a week Emergency Accident Helpline, new bike replacement, and more. You’ll also benefit from Motor Legal Cover and European Breakdown Cover, including At Home Assistance.
Diamond – our premium tier includes all the benefits of our Platinum policies plus you’ll also get Personal Accident Cover (up to £21,000).
Motor Legal Expenses Cover
Included as standard with Carole Nash moped insurance policies, Motor Legal Expenses Cover can be used to reclaim expenses such as loss of earnings, insurance excess recovery, or the costs of hiring another vehicle. You can also use it to claim compensation for any injury suffered by you or any passengers as a result of an accident.
Explore Motor Legal Expenses Cover
Breakdown Cover, including At Home Assistance
We understand how tricky it can be when your moped breaks down. That’s why we include UK & EU Breakdown Cover as part of your moped insurance. From dead batteries to faulty brakes, breakdown cover gives you peace of mind that you can call for help if your moped comes to a halt.
Discover more about Breakdown Cover
Personal Accident Cover
Included in Diamond tier policies, with Personal Accident Cover you’re insured against accidental bodily injury if you’re involved in a moped accident. Personal Accident Cover through Carole Nash protects you and any named drivers in the event of specified serious injuries or death.
Explore Personal Accident Cover
Optional Extras
Helmet & Leathers Cover – covers your helmet, leathers, and boots if they’re damaged in the event of an accident.
Return your excess insurance – claim back up to £500 in excess costs if your motorbike is stolen or damaged, or you’re involved in an accident that’s your fault.
What are the different levels of moped insurance?
Insurance for scooters and mopeds typically comes in three forms, each offering varying levels of protection. They are known as:
Third-party
This tier of moped insurance offers you a basic level of protection. It provides cover for a third party’s vehicle or property if you are at fault in an accident involving your moped. You are not insured for accidental damage, fire, or the theft of your own scooter.
Third-party, fire and theft
This form of scooter insurance means you are covered in the event of fire damage or the theft of your vehicle, as well as the third-party protection mentioned above.
Comprehensive
Comprehensive moped insurance offers all the cover included in a third-party, fire and theft policy, as well as insurance for your own vehicle if you accidentally damage it.
How to get your moped insurance quote
Getting a moped insurance quote through us is perfectly simple. The easiest way to do it is to get a quote online with a few details about you and your scooter. Once that’s done, we should be able to deliver a quote within a few minutes.
Alternatively, if you’d rather speak to someone about our moped insurance quotes, you can always give us a call on 0333 005 3355. Our friendly, expert team will be on hand to answer any questions you may have.
How to claim on your moped insurance
If something goes wrong and you need to make a claim on your moped insurance, there’s no need to worry - you'll receive all the help you need from our friendly claims team. All you have to do is call 0333 005 2244. That number is available 24 hours a day, 7 days a week so you can pick up the phone at your convenience.
All claims are different, and the time it takes to resolve them will vary depending on the circumstances. But our friendly team will ensure the process runs as smoothly as possible, so there’s no need for you to worry. Please note that if your moped is involved in an accident then you should let us know, even if you don’t intend to claim, as it’s a condition of your policy.
Why would your moped insurance not pay out?
There are some circumstances which may invalidate your moped insurance. These include, but are not limited to, any liability, accident, injury, loss, or damage that occurs when your scooter is:
- Being driven by anyone who isn’t entitled to ride it under the certificate of insurance
- Being ridden by someone without an appropriate licence
- Your bike is carrying goods or pillions in a way that compromises how safe it is to ride
These are just some of the instances that may mean you are not protected by your scooter insurance cover. For a list of all exclusions, please refer to your policy document.
What cover can we offer for your moped?
The types and levels of insurance cover available for your moped are just the same as any other form of motorbike insurance, so there’s no need for confusion. You’ll be able to get Comprehensive cover, Third Party, or Third Party Fire and Theft. Plus getting an insurance quote for your moped through Carole Nash couldn’t be easier – you can get a free quote now.
Why should I consider Carole Nash for Moped Insurance?
- Over 40 years’ experience in the insurance industry
- Friendly team with a wealth of expertise
- 24 hours a day, seven days a week claims line
Moped Insurance FAQs
We understand you might have some queries about moped insurance and the cover your policy offers you. With that in mind, we’ve put together a list of frequently asked questions to hopefully provide the answers you need.
Moped insurance prices can vary widely depending on a number of factors, so there’s no set answer to this question. The cost of your policy is likely to change in line with the level of cover you choose, the make and model of your scooter, your age, where you live, and the security measures you have in place to store and keep your vehicle safe.
There are several things you can do to try and improve the accuracy of your scooter insurance quote:
- Be sure to accurately check your annual mileage by looking at past MOTs.
- Lock up your moped using a chain and, if possible, keep it safely stored in a shed, garage, or other secure unit.
- Enrol on approved training courses to improve your riding as, depending on your level of cover, this could potentially help.
- Maintain your moped insurance all year round as this will enhance your no claims bonus.
For more information on ways to reduce the cost of your moped insurance, check out our money saving tips.
Comprehensive moped insurance affords you peace of mind. You’ll be covered for damage to your bike, any damage to a third party, and for fire and theft. Every rider’s situation is different, so the right solution for one might not be suitable for another, but comprehensive moped insurance can sometimes prove cheaper than third-party cover, so it’s certainly an option worth exploring.
Compulsory Basic Training, or CBT, is typically a requirement before you can ride a moped on the road and, as a result, you need to have it to be considered eligible for insurance. There are some exceptions, however, such as when you’re riding a moped with an engine up to 50cc.
This will depend on your cover and your insurer. However, our policies mean you can ride in the EU with the same level of protection you’d receive in the UK. The period for which you can ride abroad can span up to 90 days, but this can also vary between insurers. If you’re planning to ride outside the European Economic Area, you’ll also need to acquire a Green Card.
Your scooter insurance documents should be with you via email within 24 hours. If you’ve opted to receive them by post, that can take up to five working days.
