If you’re 16 or over and tired of getting lifts from your parents, a 50cc moped will give you independence and mean you won’t need to rely on Dad’s (or Mum’s!) Taxi.
Likewise, if you’re over 16, you can jump on a 125cc scooter after taking a simple CBT test. In just one day you can go from novice to scooter commuter!
Like any other motorised vehicle running on public roads, mopeds and scooters also need insurance. That’s why you should learn all there is to know about it before hopping on the saddle.
A moped is a low powered motorcycle with an engine capacity lower than 50cc, and that can reach a maximum speed of 31mph. Due to their low power, mopeds are usually cheap to buy and also cheap to insure.
With so many models out there, it’s also easy to find a replica of your favourite motorcycle to enjoy until you’ll have the age or licence to ride a full-size one.
You can legally ride a moped if you’re 16 or over and have completed a motorcycle theory tests, obtained a provisional licence, and have an additional CBT certificate. With these documents, you can ride the moped legally for two years, then you can extend the provisional licence for two more years by retaking the CBT.
Mopeds are subject to all vehicle and traffic regulations, and like all motorised bikes and motorcycles under 50cc, they are prohibited from using the motorways.
CBT stands for Compulsory Basic Training and is a preliminary vehicular training course that must be completed by anyone wishing to ride a moped or motorcycle unaccompanied on the road. It has a validity of 2 years.
This training has five stages, including:
The CBT allows riders with a provisional licence of full car licence obtained after 1 February 2001 to ride a moped from 16 years of age and a scooter or motorcycle with a power up to 125cc from 17 years of age.
You are not required to complete a CBT course to ride a moped if you have a full car licence obtained before 1 February 2001.
One thing to remember is that a CBT is not a pass or fail test, and you’ll obtain the certificate when your trainer is satisfied with your level of preparation.
Generally, the CBT course is completed in up to 8 hours. However, it may take longer if you can’t demonstrate sufficient knowledge of the Highway Code or if your trainer feels you’re not yet ready to drive a motorised vehicle unaccompanied.
A CBT course can cost up to £120, but the actual cost depends on the training school and your level of preparation.
The average moped insurance cost is around £280 per year; however, the actual cost will vary based on your age, riding record, and type of insurance.
If you’re 16-years old, it’s likely that you’ll be looking at a higher premium as this will be your first foray into the world of two wheels.
There are three types of moped insurances:
If you are 16-years old and looking to get a moped or whether you’re older and just want a 50cc moped to get around on, there are good ways to ensure you get the cheapest moped insurance.
Moped and 125cc scooter insurances are generally inexpensive, but you can make them even cheaper if you follow the tips below:
Motorbikes and scooters that are in a lower insurance group are cheaper to insure than those in a higher insurance group. Group 1 is the cheapest, but the number of insurance groups varies depending on the provider. Some use 1 to 17 while others use 1 to 43. However, as a customer, you’ll never truly know which group your bike is in. Generally speaking the lower the engine size, the less power a bike makes and the cheaper it will be to insure.
125cc scooters are covered by the same type of insurances as mopeds. Due to the higher power, though, you’re looking at a higher premium.
Like any other vehicle insurance, how much it will cost depends on your level of expertise, age, and whether the company sees you as an at-risk subject or not. For instance, a 19-year-olds can expect to pay £600 per year on average for a comprehensive policy, whereas a 30-year-olds will only pay £400 on average.
Obviously, your riding record will also influence the final cost of the insurance.
Mopeds and scooters are highly desired by thieves. These vehicles are easy to steal and even easier to sell for a profit. Increasing the security level will not only prevent your bike from being stolen; it will also reduce the cost of the insurance.
Here are a few things you can do to make your bike less appealing for the thieves:
Many of those who love the two wheels dream of riding a motorcycle. Nevertheless, a scooter could be a better option in many circumstances. Here are a few benefits.
Deciding what is the best ride for you also comes down to running costs. On average, scooters and mopeds can save you up to £2,000 a year when compared to a car. The typical scooter running costs include:
Cheap to buy, run, and insure, mopeds and small scooters are a great choice for teens who want to become more independent and commuters of all ages.
While the insurance for such vehicles is generally inexpensive, you can use an insurance comparator site to find the best deals and use the tips in this guide to further reduce the premium.