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Choosing The Right Scooter Insurance

Sep 7, 2008
Riding a scooter is the perfect way to start your path into riding a motorcycle, however, it is still useful to gain experience alongside someone who has had years of experience riding a motorcycle. The best way of learning is to learn from a proper qualified instructor who can teach you the correct ways of learning as opposed to teaching you bad habits that others may indirectly teach you. Unfortunately when riding a scooter, the same rules apply to you as it does to a motorbike user, and that is purchasing a good comprehensive insurance package.

Scooter insurance can cost as much as a motorbike insurance policy, only the difference is you may have to pay on a motorbike depending on the make. As a first time motorbike user you will naturally have to pay more in insurance, as you are inexperienced and are at more risk of causing an accident. Furthermore, your license will be relatively new and many insurance companies look for licenses that have been obtained at a minimum of two years and are completely clean from any problems.

It is always a good idea to let the insurance companies know what CC scooter you ride, so they can calculate how much scooter insurance you pay based on the power of the scooter. Prior to this it would be a good idea to go online to compare prices, as this will give you a better idea on how much you will need to pay on average, rather than paying more than you should for an insurance policy that may be cheaper elsewhere.

If you cannot decide which company to go for it would then be a good idea to approach an insurance broker, as they will provide you with advice and guidance on the various policies available. It would also be a good idea to approach the insurance companies to select their cheapest insurance policies, they will quote you a price and if you have had enough time to research other companies then you will be able to do some friendly haggling.

If you think one company is quoting you too much, then you can move on to the next one or haggle with them to bring the price down. This is a good way to avoid paying too much and to get the insurance policy that you need. Without prior knowledge of what other companies offer you, there is no way you can make a realistic haggle as this will mean that you will not know what to ask for. Once you get to that level of finding the right insurance policy, make sure that you know what you are entitled to before signing on the dotted line.

Often people do not know the difference between different insurance policies. Always read up in the packages offered and select the one suitable for you. There are three main policies which are third party cover, third party including fire and theft cover, and fully comprehensive. The last of the three is the most expensive policy, however, it covers everything from medical costs to damage repair. Scooter insurance is not as competitive as car insurance; therefore, it is easier for you to get a cheap fully comprehensive cover as you will be riding a smaller vehicle.
About the Author
Anna Stenning is an expert on scooter insurance as she has considered riding a scooter before purchasing a motorbike.
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