Insurance

A rider must have the appropriate level of cover for their particular machine before riding on the road.

Third Party Only (legal minimum). This covers liability to others and damage to their vehicles or property.

Third Party Fire & Theft. As above but also includes fire damage or theft of the rider’s vehicle.

Comprehensive. As (1) and (2) above plus also covers damage to the rider’s own vehicle.

The make, model and value of a machine are some of the things that affect the cost of insurance. Mopeds with gears are often classed as a ‘sports’ moped, and could cost more to insure when compared to a ‘twist and go’ moped, which can be classed as a commuter.

Riding without insurance is illegal and carries a heavy penalty. Before riding anyone else’s machine the rider must check that they are covered to do so.