Size isn’t everything when it comes to 2 wheels
Not everyone who dons a helmet and jumps onto a motorbike are looking for thrills and spills. For some, motorbikes are just another way to get from A to B and that power and speed aren’t a huge consideration.
In fact, when faced with a town or city crammed with traffic, it can be just as liberating to nip between those big hunks of metal on the road on a scooter. At a time when every penny counts, scooters have become very popular with a wide range of road users for many reasons from cheaper fuel costs, low insurance rates and road tax to inexpensive maintenance and servicing costs.
Okay, so these scooters may be easy to ride about on, but it can be a little bit tricky to get the right insurance cover for them.
Not all providers will offer scooter or moped insurance, so you’ll need to do your homework and find out who does. If you know anyone else who has a scooter, ask them where they get their cover from. Failing that, just wait until you see a crowd of Mods scooting by and stop them for a friendly chat. I’m sure they’ll be only too willing to help, provided you express your undying devotion to Paul Weller.
Of course, even if you do find an insurer who will provide you with scooter insurance, it’s important to check out their reputation. Sure, you may end up paying a rock-bottom premium, but the provider may not have a good record when it comes to paying out claims.
Once you’ve found out who offers scooter insurance, you need to decide what level of cover you want – third party, third party fire and theft or fully comprehensive.
This will only cover damages to other motorists and their property if you are involved in an accident. The premiums will be cheap, but it won’t cover you for repairs to your own scooter.
Third party fire and theft
If you are on a tight budget, this might be a sensible option. The premiums will still be relatively low, but you’ll have the added security of knowing that you’ll be able to make a claim if your scooter is stolen. This can come in really handy as scooters are among the most stolen vehicles out there. It will also you protect for any damage to your scooter caused by fire.
This will cost you more than the other types, but will cover all the bases. It will provide help with the cost of repairs to your own scooter, as well as other motorists, and may also cover things like medical and legal costs.
No matter what level of cover you’re after, the best way of securing a great deal on scooter insurance is to compare quotes by using one of our selected insurance comparison providers.
That way, you’ll be able to compare quotes from a wide range of providers and make an informed decision as to who to plump for.