50cc Motorbike Insurance
Compare 50cc bike insurance quotes and get cover for your two-wheeler.
What types of 50cc bike insurance are there?
Third-party only
TPO is the UK's minimum legal requirement for insurance. It helps provide cover for damage or injury to another person or their property if you cause an accident. However, you and your bike will not be covered, so you cannot claim with your Third Party Only 50cc insurance for damage to your bike or your property. A third-party-only policy also does not cover damage caused by theft or fire.
Third-party, fire and theft
In addition to third-party only cover, a TPFT policy will also assist in providing cover if your bike is stolen or damaged by fire.
How much does 50cc bike insurance cost?
Full licence holders have more experience and training. Insurers may lower the cost of your 50cc moped insurance if they see you as experienced and qualified.
50cc motorbikes are typically used for small commutes and trips. You can help make your insurance more affordable by providing insurers with accurate mileage information that reflects your motorcycle’s likely travel distance over the course of a year.
Taking extra security measures can show insurers you’re serious about protecting your motorcycle. Invest in anti-theft accessories like locks and alarms to reduce your 50cc motorbike insurance costs.
By using The Bike Insurer, we’ll rank all the providers who quote for your 50cc insurance cheapest first, but remember that the cheapest policy may not be the right policy for you. It’s about having the right coverage at the right price.
Keeping your motorcycle in front of your property or on the street may increase the risk of damage or theft. Show insurers you take care of your bike by storing it in a secure location, like a storage facility or a lock-up on your property. If that’s not possible, invest in approved security features like disc locks or ground anchors.
You might be able to reduce the cost of 50cc moped insurance by increasing the amount you agree to pay in the event of a claim. However, you must ensure you have sufficient funds to cover the agreed voluntary amount and any compulsory excess on your chosen policy.
Smart tagging solutions allow your bike to be tracked if stolen, even if the number plates have been removed or changed.
Paying your insurance in a yearly lump sum may remove the administration fees common with monthly instalments. While you may pay more initially, you could pay less overall.
Keeping your motorcycle in front of your property or on the street may increase the risk of damage or theft. Show insurers you take care of your bike by storing it in a secure location, like a storage facility or a lock-up on your property. If that’s not possible, invest in approved security features like disc locks or ground anchors.
You might be able to reduce the cost of 50cc moped insurance by increasing the amount you agree to pay in the event of a claim. However, you must ensure you have sufficient funds to cover the agreed voluntary amount and any compulsory excess on your chosen policy.
Smart tagging solutions allow your bike to be tracked if stolen, even if the number plates have been removed or changed.
Paying your insurance in a yearly lump sum may remove the administration fees common with monthly instalments. While you may pay more initially, you could pay less overall.
How to get an AM moped licence
The UK government lists three ways you can obtain a moped licence:
Route 1: Full car licence gained before 01/02/2001
If you obtained your full car licence before the 1st of February 2001, you can ride a 50cc bike without L plates under the following conditions:
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You are over the age of 16
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Your bike is below 4kW and no more than 50cc
FAQs
50cc bikes (mopeds or scooters) have an engine size of 50 cubic centimetres and no more. They are small, lightweight and popular with beginners or young drivers.
Riders 16 and older can operate a 50cc bike.
If you do not have L plates, you can take a passenger on a 50cc moped.
The UK’s minimum legal 50cc insurance requirement is a Third-Party only insurance policy. However, many riders opt for comprehensive cover, as it also protects against fire damage, theft and may help cover damages to you and your bike.
The tax rate on 50cc mopeds is location specific. However, the tax for these bikes is usually quite affordable due to their smaller size and lower emissions. We recommend checking with your local authority.
The CBT, short for compulsory basic training, is a course that covers basic riding skills, road safety, and other essential topics for new riders.
A 50cc moped test allows you to obtain a full licence to ride 50cc bikes on public roads without L plates. It also helps ensure you have the necessary skills and knowledge to operate a moped safely.
Yes, but if you obtained your licence after 1 February 2001 you must complete a CBT test first.
50cc mopeds are currently not allowed on UK motorways, largely due to their top speed of around only 30 miles per hour.
The cost of your premium will depend on your personal details, driving experience and motorbike.
While third-party insurance is the UK’s minimum legal requirement, it may not always be the cheapest. Fluctuating rates for 50cc insurance and add-ons may raise or lower the cost of your policy.
Whether you can ride someone else’s 50cc moped with your insurance cover depends on the terms and conditions of your own policy. Some fully comprehensive 50cc bike insurance policies may allow it but check beforehand to avoid invalidating your policy.
