How much is moped insurance for a 16-year-old in the UK and what does it cover?
This article will guide you through the most important considerations to take when purchasing moped insurance for 16-year-olds in the UK as well as some tips on how to choose the best coverage for young riders.
16-year-olds in the UK can only ride a motorbike with a speed range between 25 and 45 km/h (15.5 to 28 mph), more precisely a 50cc. This makes smaller two-wheelers like mopeds an increasingly popular choice among UK teens.
A moped can only run up to 45 km/h, but it does allow you to go where you want on your own, thus giving a sense of freedom and independence for first-time motorists.
Mopeds and scooters are also very frugal and much cheaper to maintain than cars. Motorbike tax comes out to just £20 a year, while the annual flat rate for cars is £155 on top of other expenses.
Finally, thanks to their small engine and lower emissions, mopeds are safer for the environment than bigger vehicles.
These are the absolutely mandatory requirements to meet before riding a moped legally:
Yes. As mentioned above, riders need to purchase 50cc moped insurance before taking the vehicle on the road. More specifically, they need to have at least a third-party insurance policy.
Your moped insurance cover depends on the type of policy you decide on and the extras you will add to it. Moped insurance for a 16-year-old works exactly the same as for most vehicles, so you are able to choose from one of the following policies:
Insurers offer certain features, some being included as standard, while others cost extra. Since extra policy features are likely to increase your premiums, you should carefully pick and choose which ones you need the most.
Typically, insurance providers will offer these as add-ons:
The average moped insurance cost ranges from £256 to £279.
However, the actual moped insurance cost in the UK is determined by many factors, including:
Insurance providers might offer specially designed moped insurance policies for young adults. These policies, though, tend to be costlier than standard coverage since young motorists are more prone to road accidents. In fact, there were 99 young fatalities among car drivers in 2019 alone. With that in mind, insurance providers are less likely to offer lower premiums to 16-year-old motorists.
Still, there are some things you can do to reduce the moped insurance cost.
Still, the best way to save money on 50cc moped insurance for 16-year-old motorists is to compare quotes. Either log on to one of the many sites that will find cheap moped insurance for you or scour the internet for the best deals possible.
Before you take your moped on the road, you need to cover all legal requirements, including taking out moped and scooter insurance.
Hopefully, this guide has helped you plan your budget to include coverage for young riders as well as given you some pointers on how to reduce the average 50cc moped insurance cost in the UK.
While many people tend to think that mopeds and scooters are the same thing, there are actually a few key differences between the two.
For example, both motorbikes tend to come with cheap moped insurance because they have smaller engine sizes and can reach lower speeds than other types of bikes. The most noticeable difference, though, is that scooters can have more powerful engines (50cc and above), so 16-year olds are only allowed to drive 50cc scooters.
Insurance coverage is a necessity and a legal obligation, so it’s better to get one as quickly as you can. Even if you haven’t completed your CBT, you can still buy insurance for your moped and pass the certification later on.
Temporary motorbike insurance is an insurance policy that covers you over a limited period like a day, week, a month, as opposed to a policy that covers you year-long.
Yes, 16-year olds can ride a moped provided they have completed a CBT, have a provisional driving license and purchase moped insurance. As to how much is moped insurance for a 16-year-old in the UK, costs vary from one insurance provider to the next, so be sure to compare as many quotes as possible to get the best deal.