Cheap Winter Scooter Insurance
Ok guys; this tip is super top secret and will help you get dirt cheap scooter insurance. Are you ready for this little secret; it’s going to blow your mind when you hear it.
Winter is your friend. Think about it - less and less people are looking for scooter insurance over winter and so you have more and more power to negotiate a better rate for yourself. If you live somewhere in the United Kingdom where it snows over the winter it’s even better because some people are just declaring their scooter as SAWN and so don’t have to pay the high cost of insurance.
Winter Scooter Insurance
Just because you are renewing your policy over winter doesn’t mean you are getting a cheaper rate for just the winter months; it means that you are grabbing this (sometimes) HUGE saving for the whole year. See, it is so simple that nobody ever thinks about it.
The same applies to motorcycle insurance; take advantage of winter and push for a better deal.
Car Insurance
Sadly this doesn’t work when you are renewing your car insurance; because you use your car over winter and summer and there is no risk of skidding, slipping or getting soaked then they constantly keep the prices the same regardless of seasonality.
Keeping Your Scooter off The Road
Ok so what is the saving for keeping your scooter off the road versus getting cheap winter insurance?
Well guys I am not going to lie to you; the savings can be big but not that big. However if you get a nice dry winters day and you fancy nipping to the shops over winter obviously if you have kept it on the road and insured then you can but if it has been declared as off the road you can’t!
See I told you this tip was way obvious right at the start of this little article so now you just need to price the cost of winter insurance deals against taking your scooter off the road for a winter. However if you live in the City or use your scooter every day, my tip could save you a fortune!
Personally I nearly always keep my scooter insured year round and I always hunt for cheap scooter insurance over winter.
Motor Scooter Insurance Deal Finder
We all love a bargin so in this article I have put together a few hot tips on how to get the best scooter insurance using some online website and online tools such as web scrapers.
First of all we need to define what a web scraper is. Well have you ever visited gocompare or moneysupermarket? Well these price comparison sites basically go out to other websites and scrape price information based on the details that you include in your insurance quote. So you just go to one website and as they as so keen on saying they do all the hard work.
Motor Scooter Insurance
Other webtools that you can use to lock in cheap motor scooter insurance are to use cashback or moneyback websites where you get cashback for buying through their system. This is a great way to shop and can save you £100 when tied in with your breakdown cover policy.
Scooter Insurance
A lot of folks ask me if I think that getting scooter insurance online is safe. All I say is that I have never personally had a problem with a policy that I have taken out online and I have been renewing my motor scooter insurance online for the past 6 years.
3 Great Scooter Insurance Companies
This post is based on 10 years of scooter Insurance quotes and doesn’t reflect any kind of league table and is listed in no particular order. It’s just my own mini review of cheap scooter insurance companies. I hope you find it useful in helping you on the road to getting a cheaper quote.
AA Scooter Insurance
The AA were the first company that I ever took out scooter insurance with; I found them to be quite cheap at the time; however I think they are one of the more expensive companies around these days.
What The AA Say:
We can arrange cover for your scooter. If you’re looking for motorbike, scooter or superbike cover we can take the hard work out of finding motorcycle insurance. We search a panel of leading insurers to get you the best deal we can.
Bennetts Motorcycle Insurance
Bennetts offer nothing but bike insurance. They offer competitive quotes for bikes and scooters, offering the lowest rates from a wide panel of insurers. You can get a full or quick quote online, or speak with one of their dedicated and experienced staff. This is who I have both my scooter and bike insured with and I can’t fault them.
What Bennetts say:
Modern city life can be a grind. Rows of cars, vans and trucks spew their filthy waste into the air while their frustrated drivers frown as the voice on the radio informs them that they’re in for yet another slow ride home. But not you. You’ve discovered the freedom that can only be found on two wheels and you’re not willing to sit in queues with the rest of the clones. Whether you’re a hardened Lambretta lover, Vespa aficionado or simply enjoying your first taste of two wheels, you know that life’s too short to wait in line.
Churchill Scooter Insurance
Oh yesss!! Ok while I do find their adverts a little annoying sometimes their customer service has always been in my experience top notch. They offer great discounts for no claims (65% +) and have some great other policy features. However this does sometimes come at a premium price.
What Churchill say
Buy Churchill motorbike insurance you could save money. We’ll search a panel of insurers so you don’t have to. You could benefit from a discount for storing your bike in a garage or having bike security, cover for additional accessories, optional add-ons and lots more. For more information or to get a bike quote click now.
So there are the first 3 great scooter insurance companies listed. We will be constantly adding more and more insurance companies to this list so keep checking back regularly.
We are also planning on putting together a quick scooter insurance guide to help you save money by knowing at a glance which quote is best for you.
Cheap Scooter Insurance For Teens
In the UK you can ride a scooter at the age of 16 and as such the UK has some of the best cheap scooter insurance for teens. In this article we will take a look at how to get the best policy for your teen when you are insuring their first scooter.
Now the first problem that you will encounter when shopping for insurance for your teen is their age; just like car insurance teenagers face high insurance premiums for the first few years; however unlike car insurance for teenagers the magic age where their premium drops isn’t 25 - it’s usually 20.
The best way to approach scooter insruance for teenagers is to accept that they are going to pay a high premium in the first few years and talk to them about the things that they can do to lower their premium.
Speed - Speed doesn’t just kill; speeding also results in points and fines which has a knock on effect of pushing your insurance premium up and remember it stays on your record for 3 years. People often fall into the trap of thinking that because a scooter is only 50cc then they are never going to get caught speeding; big mistake. A scooter that tops out at 40mph can still do 40mph through a 30mph zone.
Danger - Claims mean higher policy prices, so it’s worth talking to you teenager about remembering to keep safe and always check. At 16 some teens still have the mentality of a child and allowing them a scooter is a big step towards growing up and with this big step comes big responsibility. If you and your teen want cheap scooter insurance for life then it’s really worth hammering home the amount of responsibility that they have with a scooter.
Safe - Scooters like motorbikes are easier to steal than cars so it’s worth buying a reputable chain to keep it locked up when they are out on it and it’s worth buying a ground anchor to secure it when they have it at home.
Again like cars to get cheap scooter insurance for teens it’s best to be sensible and keep the scooter safe.
Scooter Insurance UK
I love when I can bring you guys some good news and now I can; recent figures have shown that scooter insurance uk is coming down in price all the time.
Scooter Insurance in the UK is at an all time low and as fuel is going up in price now is a great time to buy a scooter and insure it.
With the cost of petrol at an all time high and scooter insurance at an all time low; it really does make sense to buy a scooter, grab some cheap scooter insurance and start enjoying motoring again.
Scooter and Moped Insurance - What’s The Difference
Ok so we have guided you on how to find cheap scooter insurance and now it’s time to take a plunge into finding you dear reader cheap moped insurance.
First we need to understand why scooter insurance costs more than moped insurance and to do this we need to take a good long look at scooters and mopeds to outline a few key differences.
Scooter and Moped Insurance - What’s The Difference
In fact, there are more similarities between motorcycles and scooters than there are between mopeds and scooters. But those differences are not why the one model of motor scooter has been listed as a moped. There is a reason it has been listed as a moped despite it not being a moped, and we’ll explain why a little later. But first we’ll explain the differences between mopeds and scooters.
Scooters actually have more in common with motorcycles that mopeds. The first clue as to their differences comes from the name ‘moped’.
The word moped comes from words - ‘motor’ and ‘pedal’. So a moped is a motorised two wheeled vehicle with pedals. See now we are getting somewhere. Now mopeds in the UK are restricted to under 50cc so obviously aren’t very quick which is why the cost to insure is so low. However they are restricted in speed so don’t go expecting to set the streets on fire on a moped.
Mopeds seem to be a favourite mode of transpot in Asia and anyone who has been will know the difference straight away.
Scooter Insurance Claims Guide
I decided to put this guide together after I received the second email asking about how to make a scooter insurance claim. So here it is; and while this in no way constitutes legal advice, I hope it covers the major points about scooter insurance claims.
Scooter Insurance Claims
Sadly accidents happen and while being involved can be a traumatic experience; it’s important that you know what has to be done should you have to make a claim on your policy.
First things first – if there has been damage to another vehicle or somebody is injured you must stop. Failing to stop at the scene of an accident is against the law and you the police take a hard line on this as in a lot of cases; those who fail to stop tend to be breaking other laws (drink/drug driving), no scooter insurance or no licence. Even if you aren’t at fault you must stop. I can’t stress this enough.
Secondly never admit blame or offer to pay for any damages. If the other motorist admits blame you must inform you insurance company.
Next you should exchange details of your scooter insurance company, again don’t offer to pay out of your own pocket because this is another rule that is law. Please not that if you are hit by an uninsured driver and are fully comprehensive; chances are you won’t lose your no claims bonus or have to pay any excess.
Lastly before leaving the scene you should take down the details of as many people who witnessed the accident as possible on top of anyone who was involved in the crash.
When you call your insurance company you should try to provide them with as much information as possible including any other persons who witnessed the collision. Try not to worry as the claims handlers deal with scooter insurance claims every day and will be able to guide you painlessly through everything. The best advice I can give you is to grab a warm drink and relax.
Once you claim is logged you can just sit back and leave everything to your insurance company.
Depending on your scooter insurance company they may collect your damaged vehicle, fix it and valet it.
If your scooter is a total write off then you will be contacted by a scooter insurance claims value manager and they will assess how much your scooter is worth and how much payout you will receive.
Cheap Scooter Insurance Online
Here at the Scooter Insurance Direct, we’ll follow on from our last post which covered the ins and outs of the cheap scooter insurance, and look at the best ways to get cheaper scooter insurance.
A cheap scooter insurance premium is something that nobody wants and is exactly the reason why you should shop around every year for new scooter insurance. Often when you are about to cancel your policy your insurance company can magically knock upto £100 off!
Cheap Scooter Insurance
OK I hear you say, just how can I get that cheap scooter insurance that I deserve? One word - Screen-scrapers. Which in English means a site where you enter your personal details and their software automatically fills in the required forms at a wide range of brokers and insurers websites, getting you a quote, literally ‘scraping the data off the screens’. It’s a very quick and easy way to quickly cover a huge chunk of the marketplace in minutes. Simple.
Because companies that allow their data to be scraped don’t need to employ huge teams of sales advisors; they are able to provide you with cheap scooter insurance quotes.
So that’s it - armed with all this solid info you can now go out and find the best scooter insurance for you. However it’s always worth remembering that just because you find cheap scooter insurance doesn’t mean the policy is the right one for you.
Cheap Scooter Insurance
We all want cheap scooter insurance but you might be asking yourself what can you do to get cheaper scooter insurance? Well help is at hand, your favourite scooter insurance blog has some helpful tips to drive down the cost of your insurance.
- Keep you licence clean - Points don’t mean prizes in this game.
- Keep safe - no claims means lower premiums.
- Mileage - Remember that unlike your car, you may only ride your scooter for 1000 miles every year so don’t be in car insurance mode.
- Keep it safe - Keeping your scooter safe and secure in a garage means you wont suffer any penalty which will mean cheaper scooter insurance
I hope you find these tips useful.
Scooter Insurance Companies - Devitt
Devitts’ Insurance aren’t just one of the oldest scooter insurance companies in the UK, they are also one of the oldest insurance companies period!
Devitts was founded by Thomas Henry Devitt when he first made his name in the shipping industry and founded the famous Orient Line.
Following the success of Orient Line, subsequent generations of the family made the natural move into Marine Insurance.
In 1936, the Devitt name was established as a leading Scooter Insurance Broker, following the innovative idea to sell motorcycle insurance via motorcycle dealers.
This unique scheme known as Devitt DA (DA stood for Dealer Association) meant that customers could buy the motorcycle of their dreams and ride off into the sunset that very day, secure in the knowledge they were fully insured, a scheme that still operates successfully now.
In 1993, Devitt launched its direct operation, enabling customers to purchase insurance over the phone.
Recent Posts
- Cheap Winter Scooter Insurance
- Motor Scooter Insurance Deal Finder
- 3 Great Scooter Insurance Companies
- Cheap Scooter Insurance For Teens
- Scooter Insurance UK
- Scooter and Moped Insurance - What’s The Difference
- Scooter Insurance Claims Guide
- Cheap Scooter Insurance Online
- Cheap Scooter Insurance
- Scooter Insurance Companies - Devitt
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