Compare Moped Insurance NI

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What is Moped Insurance NI

For many, a Moped is an easy and affordable to get mobile with the North of Ireland. Moped's in general are cheaper to insurance than motorbike insurance NI. This is down to the fact they are less powerful and do not go that fast. In addition, moped riders tend to be involved in less accidents and these accidents are minor in comparison to motorbike accidents.  The insurance will increase as you move up the range from smaller powered 50cc, 150 cc and larger 250cc mopeds. 

Do I need Moped Insurance if I live in Northern Ireland?

Yes, you must have moped insurance if you live in Northern Ireland. It's not just a recommended precaution, like car insurance in Northern Ireland, it is a legal requirement. Here's why:

  • Road Traffic Act (Northern Ireland) 1984: Under this Act, it's mandatory for all motorized vehicles on the road, including mopeds (regardless of engine size), to have at least third-party insurance as a minimum. This covers any damage or injury caused to other people or their property in the event of an accident.
  • Riding without insurance: Failing to have valid moped insurance can result in hefty fines, penalty points on your driving licence, and it is likely your moped will be impounded. Additionally, you'll be personally liable for any damages caused in an accident, which could run into the thousands.

Moped and motorbike insurance provides a safety net that protects you financially and legally. Consider it an investment in peace of mind and responsible driving.

Do you need insurance on a 50cc?

Yes, insurance is required for a 50cc moped. 50 cc Mopeds are popular in NI, but like larger cc mopeds, you are legally required to have road insurance. Please refer to the wording of the original road act. ".. all motorized vehicles" and this includes 50cc mopeds. The minium level of cover legally required is third-party insurance. This covers any damage or injury caused to other people or their property if you're involved in an accident.   

  • Road Traffic Act (Northern Ireland) 1984: Under this Act, it's mandatory for all motorized vehicles on the road, including mopeds (regardless of engine size), to have at least third-party insurance as a minimum. This covers any damage or injury caused to other people or their property in the event of an accident.
  • Riding without insurance: Failing to have valid moped insurance can result in hefty fines, penalty points on your driving licence, and it is likely your moped will be impounded. Additionally, you'll be personally liable for any damages caused in an accident, which could run into the thousands.

Are mopeds cheaper to run compared to motorbikes in NI?

In general yes, smaller powered mopeds are generally cheaper to run compared to motorbikes in Northern Ireland, but it depends on several factors. Here's a breakdown:

  • Fuel economy  : Smaller engine would be more economical on fuel.
  • Road tax :  Mopes are treated different to cars and the subsequent road tax will be less
  • Insurance :  Everything being equal, getting moped or scooter insurance should work out cheaper than getting motorbike insurance. 

How much is Moped insurance?

Like all insurance, the price of Northern Ireland motorbike insurance is based on a number of determining factors, these are listed below. 

  • Engine size, make and model.
  • Driving experience : This boils down to your age and driving history and experience.
  • No claims bonus
  • Policy Excess : The excess that you accept, accepting a higher excess, will reduce the final premium cost.
  • Level of Road Risk Cover : Level of cover and any extras that you may opt for,
  • Mileage : Some polices are available that favour occasional drivers or low mileage drivers.

Compare NI Moped insurance

If you are just starting out on your motoring journey, you most likely will be on a budget and looking to find a good deal on moped insurance. We have partnered with Quotezone that have enlisted a panel of NI and UK brokers that can provide you with a range of quotes for all individual circumstances, including drivers with convictions. Shopping around and using price comparison sites to compare insurance providers is one step on the journey to finding the best moped insurance NI for your circumstances.

For further information on moped insurance in NI, you can refer to:

*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could achieve is dependent on your individual circumstances.

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