Scooter insurance and the motivations for driving scooters

Scooter insurance is certainly amongst the highest pricing of motorbike insurances. Like cars, they come in many different shapes & sizes, as do the engines, which feature between 49 & 125cc. Scooters can of course be driven on a conventional / full UK Driver's Licence passed up to the 31/01/01 & on the The Compulsory Basic Training (CBT) Pass for all other engine sizes up to and including 125cc.

Of course, to be able to drive your scooter, you must need to pass the Compulsory Basic Training (CBT). It's quite a straight forward teaching course which can be taken over one day, teaching you all you need to know for driving and controlling your scooter safely. You can of course obtain your own insurance to drive your own scooter whilst training. However, most learning centres have their own fleet of training scooters, so it may be better to simply use one of theirs.

As with most types of insurance, the biggest threat to premiums is theft. Particularly given the small scale of scooters, they're even more vulnerable to theft. As with most problems in life, in our interdependent world - one man's problem, in time affects us all. Of course, like all theft, you can only do so much to prevent it, no matter how sophisticated your technology is. Indeed, being a scooter, it's a lot easier to have it lifted into the back of a thief's van than your 4x4. What also makes the theft of your scooter more likely is the fact that so many scooter types have a number of starter alternatives. For example kick starts. Facilitating a theft so much more than a simple and single ignition of a motor vehicle. Of course, this only points to the obvious benefit of having a concrete garage versus leaving your scooter parked outside, even in the quietest of streets. Not to mention the Premium Discount such Safe Housing will attract.

Furthermore, alterations and modifying your scooter can, like a car greatly increase your insurance premium. Whilst already in a high insurance premium bracket, if enhanced in performance and or looks, your Scooter is an even greater attraction now to potential theft. An typical example of improving/modifying your Scooter would be to De-Restrict it. De-Restricting as the name suggests is a common way of simply raising your Scooter's top speed from the original manufacturer's concept and specification. Modifications of this nature will have a significant negative impact on your Scooter's annual insurance premium. As a matter of fact, in many cases, such an enhancement to your scooter could even lead to your insurance company even refusing to cover you.

Given the inherent attraction to the younger market, scooter insurers appear to face more of a risk of accident than car insurance companies. This underlines the value of a website like www.scooter-insurance.co.uk where people can receive and compare quotes online easily and effortlessly. Other than being a symbol of youth and style, the main attraction of scooters towards a younger audience is that scooter travel is by comparison a relatively cheap mode of transport. Also, unlike a car, learning how to drive a scooter is fairly easy, quick and cheap. Scooters also provide good road experience towards ultimately becoming a better motor vehicle driver and more insurable at that given your apprentice Road Experience, albeit if you have had no claims in that time. Again being young, whilst an enviable virtue, will by it's nature automatically raise your insurance premium. It's therefore no surprise that as a result, many young scooter drivers opt only for third party insurance versus fully comprehensive. Which is in itself a risk, if in an accident which proves to be your fault; resulting in a hefty bill or worst still your scooter is a write off and you're back to taking the bus.