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About Scooter insurance
If you own a scooter, you’ll probably be looking for insurance that’s cheap and cheerful, much like your choice of vehicle! Scooters are often a way to save money, so getting an insurance quote can often be something of a shock. Here’s our guide to finding the right insurance and bringing your premiums down.
Saving money on scooter insurance
If you’ve been driving another type of vehicle until now, always go to your current insurer to see if they can offer a deal on your scooter insurance
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If your current insurer doesn’t cover scooters, or the premiums are too high, shop around. You might be able to find a couple of insurers who will promise to undercut other offers, and you can play these off against each other.
Take any opportunity you can to save money. It might be worth keeping your scooter in a friendly neighbour’s garage to cut down on insurance costs, and look for insurers that specialise in scooters, female drivers, over 50s, or anything else that applies to you.
Don’t forget you can save money by paying your scooter insurance in a lump sum rather than in monthly instalments. Monthly bills might be charged at a high level of interest.
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Finding the right scooter insurance
Scooter insurance can be a tricky customer, as it’s not always worth making a claim if you have an accident – many riders simply choose to replace their scooter as there are some very cheap ones on the market. This means that, if you find the right insurer, your premiums can be very low. In fact, if they’re not low, you’re being ripped off!
The biggest risk to your scooter is probably theft, as scooters are relatively light and easy to steal. You should opt for at least third party, fire and theft cover.
Don’t just look at the well-known insurers, as they’re unlikely to specify in scooter insurance. There’s a good chance one of the will give you a cheap deal, but look around at some smaller companies too. The best way to choose is by using our best buy tables, which may point you towards an insurer you hadn’t yet considered.
