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Scooter Insurance

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High quality scooter insurance at a low price is what Bikesure have specialised in for years. We have access to a wide variety of specialist scooter insurance schemes, and can offer Defaqto 5 Star rated cover tailored to your exact needs.

With cheap scooter insurance prices for learners, younger riders, experienced riders, commuters and scootering enthusiasts we offer a complete low-cost, high quality service to all owners of scooters. And as a specialist broker, we can offer cover if your scooter is a classic or modified.

Specialist Insurance for Scooters

Perhaps you’re a teenager with a 50cc scooter, or maybe a classic scooter enthusiast with a Lambretta. You might enjoy rides with a friend on a two seater Suzuki Burgman, or you may just appreciate your scooter as a stylish and comfortable way to get from A to B. Whatever your lifestyle, there is probably a motor scooter out there for you, but finding a reasonable scooter quote may be somewhat trickier.

The problem is that a lot of insurance companies don’t understand the particular needs of the scooter owner. They don’t take account of the many ways in which scooters differ from bikes, and as a result, the unwary scooterist may be charged over the odds.

Bikesure is different

When you take out an insurance policy from Bikesure, you can be confident that the policy matches your needs as a scooter owner. That’s because we have access to an array of specialist insurance schemes, many of which have been designed purely for scooters, including tailored schemes catering for standard scooters, classic scooters and customised scooters.

What’s more, when you use our online scooter quote and buy system you can instantly compare scooter quotes selected from those available and then choose which one is best for you. If you like the price you see you can buy online, or speak to one of our knowledgeable underwriters to take up the policy or discuss further options.

Because our insurance is tailored to your needs, you can choose which features will benefit you most. Every policy comes with £100,000 of free legal cover, but we also offer optional add-ons including personal injury cover, comprehensive breakdown cover and protective clothing and helmet insurance.

Protection for 50cc and 125cc scooters

Whether your scooter has a 50cc engine or a 125cc engine, Bikesure can help. As the UK’s largest independent specialist broker, we help you source affordable cover that can be tailored to your needs. This means that features such as breakdown cover or helmet and leathers cover can be added to your policy with ease. So whether you require 50cc scooter insurance, 125cc scooter insurance, or even cover for scooters with more power, give us a ring for a free, no-obligation quote.

Will the scooter’s engine size affect the cost of my insurance?

Yes – as a general rule, the smaller the scooter’s engine, the lower your insurance. Of course, your quote depends on a lot more factors than the size of your vehicle’s engine, including the scooter’s make and model, but a 50cc scooter will usually be cheaper to insure than if you were to purchase a 125cc scooter.

If you’ve passed your A1 licence, we don’t blame you for wanting something a little more powerful, especially as scooters with 125cc engines can be ridden on motorways. Whichever you go with, a good choice for your scooter insurance is Bikesure. We even offer modified scooter insurance and cover for those with non-standard engines – just let us know about these when you give us a ring and we’ll work out a tailored quote for you.

What is the difference between a scooter and a moped?

Mopeds and scooters are often confused with each other, which is why we’re here to help you understand the key differences.

Simply put, a bike is classed as a scooter when it has a platform to place your feet while riding. Some scooters can go up to 800cc, whereas a moped has a maximum capacity of 50cc. These vehicles also have different max speeds, with mopeds only able to reach 28mph and scooters reaching as high as 115mph. These factors mean that scooters are generally a lot more powerful than mopeds – and usually tend to have a higher price tag.

At Bikesure, we offer both scooter and moped insurance; call us to find out more.

Bikesure scooter and moped insurance policy features

  • Agreed value option for classic, custom and modified scooters
  • Young rider insurance
  • Riders with motoring convictions covered
  • Riders with criminal confictions covered
  • Easy payment options including direct debit – even for 16 year olds (subject to guarantor)
  • Full range of comprehensive scooter insurance, TPFT insurance and TPO cheap insurance.
  • UK and foreign licenses acceptable.
  • Optional breakdown cover
  • Optional personal injury cover
  • Optional cover for your helmet and protective clothing up to £1,000
  • Legal cover up to £100,000 included free of charge

Electric scooters and the law

The art of scooters

The 2016 guide to electric scooters

Related Links

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Insurance fit for a King

Four-time World Champion and King of The Jungle Carl Fogarty teams up with Bikesure Insurance

"I paid just £72.40"

David (46), Cambridgeshire

1966 Triumph T100SS

Call today for a quote!

Insurance to ride any bike

Agreed Value Insurance

Helmet and leathers

Keycare Insurance

Motorcycle Breakdown

Policy Upgrades

Bikesure offer a range of upgrades and extra benefits, at low prices, so you can add just the additional cover you need to your policy without breaking the bank.

Legal Cover (Free)

All motorcycle policies purchased through Bikesure come with £100,000 of legal expenses cover completely free of charge. You will also have access to a 24 hour claims hotline and a dedicated claims handler, a suitable replacement vehicle (where eligible) in the event of a non-fault claim, and access to a panel of legal experts to help you through any litigation. Other brokers and insurers charge up to £32 or more for similar cover. This policy is underwritten by Brit Insurance Limited.

Helmet & Leathers Cover

Replacing your helmet and leathers can be expensive and inconvenient as you have to either stop riding or compromise your safety by riding without protective clothing. Protect up to £1,500 worth of protective clothing for just £29.99 or up to £3,000 worth for £40.00. This helps cover the costs involved with replacing your helmet and protective clothing in the event of a motorcycle accident so you can get back on the road as soon as possible. Underwritten by Trinity Lane Insurance Company Ltd.


The nightmare of your motorcycle breaking down puts all of your plans on hold. Hanging around by the roadside for hours, thwarted plans and costly callout charges mean that a comprehensive breakdown policy is an essential consideration for any biker. For just £62.00 a year, when bought with a motorcycle insurance policy, Bikesure Rescue includes gold-standard cover for the insured motorbike including UK and European Roadside Assistance and Recovery, puncture repair, transport to your destination, back home, or to a garage, and emergency accommodation costs, and can even provide you with a similar hire bike to get you on the road again quickly. Get complete roadside peace of mind today. The policy is underwritten by Trinity Lane.


If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.

For just £19.00 a year, our keycare insurance policy will cover locksmith expenses, replacement locks and keys, bike immobilizer replacement costs, vehicle hire costs, and transport costs if you’re stranded, up to a value of £1,500.

We’ll pay out if your keys are stolen, locked inside your home, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.

For more information and to add keycare to your policy, speak to a member of our team today.

Personal Accident Cover

Nobody likes to think about the possibility of suffering a bodily injury in an accident, but unfortunately it can happen. Personal Accident Cover will pay out additional compensation in the event of accidental death, loss of sight, loss of limbs and road rage assault. The policy offers £12,500 of personal accident cover for only £17.00 a year. The policy is underwritten by Trinity Lane Insurance

Licence Defence

With access to legal advice when you need it most, and providing help negotiating some of the most complex legal and police paperwork, Licence Defence’s expert team could help any biker to avoid making mistakes while contesting their conviction or fine. To find out more about Licence Defence, and how it could help you for just £19.99 a year, contact our team today on 0800 369 8580

Excess Protection

If you are liable for a claim on your motor insurance policy (including non-fault claims where within 6 months you have been unable to recover your excess from a liable third party), this policy will reimburse any excess you have paid, up to a maximum of £300, £500 or £1,000 (dependent on premium paid) in the event of a claim. Protect your excess today from as little as £34.99. The policy is underwritten by Ageas Insurance Limited.

Scooter Insurance Problems Resolved

My scooter was covered on a chassis number

When I bought a scooter on the internet, I had no idea I’d have to register it myself. I was in a chicken and egg situation, because I needed scooter insurance before I could register it, but no-one would give me the cover until it was registered.

Thankfully, Bikesure agreed to insure the scooter using just the chassis number, allowing me to get my registration completed.

Sample Quotes

TGB 303R Hawk 125

Sarah is 22 and has owned her TGB 303R Hawk 125 for a year, and uses it to commute to her work from her home in Taunton (TN3). She’s a committed biker and passed her Category A test in January 2013. She has 1 year’s no claims discount available. The bike dates from 2007 and is worth around £500, and as she lives in a relatively crime-free area, she doesn’t have any additional security for the bike.

Sarah’s rate is just £189.24 for TPF&T cover, or only £135.82 for Third Party Only protection.

Vespa Piaggio Fly 50

Owen, 29, hails from Lincoln(LN4) and has a Vespa Piaggio Fly 50 2009 model which is parked on his drive, as he doesn’t have a garage. The bike cost him £850 and he can’t wait to ride it – he’s just passed his CBT. Owen will be using his bike as a cheap way of commuting to work.

Owen’s rate is just £142.88 for TPF&T cover, or £107.94 for Third Party Only.

Call today for a quote!

Get a cheaper quote over the phone by speaking to our friendly, expert staff today.

From our Norfolk-based offices, our teams of insurance experts are ready to take your call, and to help you get great cover at a great price.

Just click the callback button and we’ll give you a call at a time that suits you.

Insurance to ride any bike

Ever fancied borrowing a friend’s or family member’s bike, but been worried that you might not be insured should you have an accident?

With Bikesure’s “ride any bike” insurance, you could add the equivalent of comprehensive insurance to your policy while you ride other people’s bikes – leaving you and the owner safe in the knowledge that you’re covered, whatever happens.

With up to a £10,000 claims limit, accidental damage, third party, fire, and theft cover included, and no need to let us know every time you borrow a new bike, you’ll be free to hop on and hit the road whenever you like.

Agreed Value Insurance

Whatever bike you ride, from a scooter to a cruiser, dirt bike to superbike, you want to know that you can claim back the full value of your bike if it’s written off.

With agreed value insurance from Bikesure, we’ll work with you to agree the true value of your bike when you take out a policy, and make sure that you get that sum back when you need to claim – helping you to fund a replacement bike without leaving you out of pocket.

Helmet and leathers

It’s no secret that your helmet and leathers are some of the most important items for staying safe on a bike – and that they can cost hundreds of pounds to replace if damaged.

For just £29.99 a year, our helmet and leathers insurance will cover up to £1,500 in the costs involved with repairing or replacing your leathers and helmet (or £40.00 for £3,000 in costs), including full leathers and other protective clothing, boots and gloves.

With a low £50 excess for each claim, insuring your protective kit could save you hundreds following an accident, and claims on your helmet and leathers policy won’t affect your bike no claims bonus.

Keycare Insurance

If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.

For just £19.00 a year, our keycare insurance policy will cover locksmith expenses, replacement locks and keys, bike immobilizer replacement costs, vehicle hire costs, and transport costs if you’re stranded, up to a value of £1,500.

We’ll pay out if your keys are stolen, locked inside your home, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.

For more information and to add keycare to your policy, speak to a member of our team today.

Motorcycle Breakdown

From just £62.00 a year, Bikesure Rescue provides gold-standard breakdown cover for your motorbike, offering 24 hour UK and EU roadside assistance and recovery, emergency accommodation costs, transport home, to a garage, or to a destination of your choice, and even an equivalent hire bike to help you get on your way after a breakdown.

We know that nobody wants to have their plans put on hold by a breakdown, or to be forced to hang around by the roadside for hours facing costly callout charges – so use Bikesure Rescue as your breakdown cover, and get motoring peace of mind at a price that suits you.

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