You may regard your scooter as your pride and joy but perhaps feel that because it is a fairly modest and economical type of motorcycle, scooter insurance may be pretty standard wherever you look.

In fact, you may find that there are significant variations in the various scooter insurance policies available and these might make a difference to your situation.

Shopping around may, therefore, typically be a more sensible approach than just making an ill-informed purchase.

Before you chose a scooter insurance policy though, you may first have to have a good idea of what type of motorcycle insurance you are looking for.  As with so many other aspects of life, the greater the level of cover, the more you may have to pay for it.

The extent, to which you insure your scooter, will depend on a number of variables including its value and age.

It is perfectly possible, for example, to ride your scooter under third party cover only.  This would mean that you may be protected financially if you injured someone or damaged their property while riding your scooter. Court costs may also be covered.

What would typically not be covered in this situation though, would be any costs involved for damage to your scooter. Similarly with third party cover only, if your scooter was stolen, then you may be looking at significant cost yourself to fund a replacement.

The next level up on the cover scale may be to go for third party, fire and theft scooter cover.  This obviously typically offers greater protection, which you may consider to be essential, particularly as scooters tend to be a favourite target of thieves.

One level up again would be fully comprehensive cover, which would typically include repair costs for damage to your scooter as well.

Whatever your choice of cover, there may be ways in which you may be able to reduce the cost of your insurance premiums.

For example:

  • if you have a clean driving licence, you may typically expect your insurance premiums to be lower than if you had convictions;
  • making modifications to your scooter may also result in higher insurance costs;
  • agreeing to keep your scooter parked off road when it is not in use may attract a premium discount;
  • your scooter may be most at risk when you are riding it, so keeping your mileage as low as possible may help to reduce both risk and premiums;
  • while you can’t do anything about how old you are, you may find that scooter insurance providers may offer discounts for older and more experienced riders.