Scooter insurance review of the increase of scooters and motorbikes across the UK

With the increased cost of motoring and greater congestion on the road, many commuters are choosing either scooters or motorcycles as their preferred mode of transport. While there will be a necessity to fulfil the varying licence requirements, what are the main obvious differences between scooters and motorcycles?

According to the London Bike and Scooter website, the advantages of choosing a scooter is
they are now regarded as trendy and usually easier to ride with automatic clutch and gears. They are also cheap to run and service and can move easily through traffic. On the downside, scooters are regarded as a target for thieves which will affect the cost of scooter insurance. Additionally, they drive slower when there is a pillion passenger and there is little luggage room.

On the other hand, the advantages of motorcycles is that they're faster and have more stability . They are more confortable for longer journeys and have better handling, suspension and brakes, It is easier to carry a passenger and more luggage can be carried. The main disadvantage, however, is that bigger models are more expensive to buy and run and have usually less space for storage.

Both scooters and motorcycles are similar in that there is a legal requirement to have insurance cover before the vehicle is taken on the road. As this article is specifically for a scooter insurance comparison website, we will concentrate on the various types of insurance available for scooters.
Types of Scooter Insurance Necessary and Available.

Bearing in mind that a scooter can do considerable damage if it hits another vehicle or road user, there must minimally be third party insurance cover in place to cover financial cost of damage, or even hospital bills. This is mandatory and the least expensive scooter insurance.

Secondly, there is insurance cover for Fire and Theft – this cover means the rider will be compensated if his/her vehicle is set on fire or stolen. This is additional to Third Party cover above, but if the scooter is new and an a more expensive model, this is often the preferred option. Also the cost of insurance cover will be affected by factors such as where the scooter will be parked overnight, i.e. in a garage, or on the road in a neighbourhood where there is a high crime rate.

Thirdly, there is Fully Comprehensive Insurance which is the most expensive. This will covers all repairs to the scooter following an accident even if no other road users or parties were involved. If there is a claim following an accident, an excess must be paid by the insured rider – this is an amount to be paid towards the repair agreed beforehand in the insurance policy. Needless to say, some of the factors considered by insurers in the cost generally are the age, experience and road history of the scooter rider him/herself.

It is obviously desirable to cast a wide net for scooter insurance in order to find the most appropriate and least expensive cover. Some insurance broker will be able to supply online quotes from a large number of insurers who will take into account the individual requirements and preferences of the applicant. As this is an important financial commitment, it is worthwhile spending time considering the available quotations and even speaking to the insurer before finally committing to a particular scooter insurance cover policy.