Last Updated: 22/09/2016
Mopeds are fast becoming a popular alternative vehicle in Britain because of their size, low fuel costs, and low emissions. For whizzing around cities or just commuting to work, there’s no better option.
Even if you don’t own your own moped, you might want to borrow one from a friend or family member temporarily. It can be a fun and cheap way to get around, whether it’s a weekend away or even if you just want it occasionally for work.
Whatever you’re planning to use it for, it’s important to make sure you have the right insurance before heading out on the road. It doesn’t matter who owns the vehicle, if you’re riding it you must be insured to do so.
It is a legal requirement and if you’re caught without insurance you face a range of penalties, including unlimited fines and points on your license. The vehicle owner also faces a possible fine and if you have an accident on their moped, they would be forced to pay for any repairs out of their own pocket.
While insurance is incredibly important, it shouldn’t be a hassle to buy. Temporary moped insurance is the simplest and easiest way to get short-term cover. If you’re only using the moped occasionally it’s the best insurance option as you only pay for the cover you actually need.
Why choose temporary insurance?
For many riders, using a moped or other motorcycle can be an occasional hobby, saved for warmer weather and weekends away. If you’re borrowing a vehicle for the odd day or weekend then you won’t want to pay for a years’ worth of insurance.
With temporary cover, you get comprehensive insurance from one day to one week. You can get a policy online 24/7 so even no matter what your plans, you can get covered in minutes. Once you’ve purchased your insurance, your policy documents are emailed to you instantly so there’s no waiting around.
It suits many riders’ lifestyles as it works around your schedule plus the moped owner doesn’t have to worry about adjusting their existing insurance as it’s a separate policy. This means that everyone is covered and the owners No Claims Discount is protected.
A short-term moped policy saves you time and money compared to purchasing an annual policy or adjusting an existing one.
What license do I need to ride a moped?
For new riders wanting to use a moped there a few steps, you need to take to be legally allowed on the road. All riders must be over the age of 16 and have completed their CBT (compulsory basic training). This will allow you to ride a moped with L plates but only lasts for two years. To get a full license, you must take your theory and practical test.
Drivers who have passed their full car driving test before the 1st February 2001 do not need to complete a CBT to ride a moped. If you’ve passed your full car driving test after that date you need a CBT but it never expires.
Who could short-term insurance help?
Temporary insurance is perfect for a wide range of situations from borrowing in an emergency to covering a vehicle while it’s being sold. Short-term moped insurance is the best option for many riders in everyday situations.
Mopeds tend to be associated with young riders and their first experience of true freedom. The lost cost of road tax and fuel means that they’re ideal for those on a budget. If you’re young rider with access to a moped that’s not your own, the flexibility of temporary cover could save you time and money if you only use one occasionally.
Your policy is customisable to suit your needs and whether you’re borrowing it for a day or a week, the process is always simple and straightforward. You can purchase a policy anytime online and get cover from the minute you need it.
It’s a standalone policy which means that you don’t have worry about involving or affecting the vehicle owners existing policy. Adding a young rider can have a big impact on insurance premiums and it’s unlikely that you’d receive comprehensive cover as standard. With quick and easy short-term cover, everyone is covered if you have an accident and there will be no effect on any existing insurance that you or the vehicle owner has.
Planning a city break or a trip to the seaside? If the weathers nice then there’s no better way to zip around than on a moped.
If you’re planning to borrow a moped then the best way to get value for money is a short-term policy. You only pay for the time and level of cover you actually want so you don’t waste money on unnecessary insurance.
Like to plan ahead? You can purchase cover up to 30 days in advance and you can even select when you want your policy to begin, down to the minute.
If you’re planning on a day trip or weekend away then it’s often the cheapest and easiest way to get comprehensive cover.