Scooters Are Motor Vehicles

Although scooters and mopeds are perhaps the smaller of the two wheeled vehicles, with the exception of the bicycle, they are still considered to be motor vehicles because they operate from some form of power train, be it gas or electric motors. Because they are powered by a motor many communities want them insured when they are traveling about on their public roads.

What Coverage Is Needed?

The most basic coverage, for any vehicle, is third party insurance. If your scooter hits someone and causes injury to that person your third party insurance will pay the medical bills for that person. If you run into something and damage it, your third party insurance will pay for the damage your scooter did.

Fully comprehensive insurance is another type of vehicle coverage. This coverage not only pays for everything that the third party insurance pays for damage done to you and/or your scooter. If you ride a scooter in a highly populated area it may be a good idea to have this type of coverage for your protection should another vehicle not see you and hit you. This coverage can also pay if your scooter is stolen, for example. Or if for some reason your scooter catches on fire the insurance company will pay for the damage done and, in some instances, pay for the purchase of another scooter.

In between these two levels of coverage is third party, fire and theft insurance. This is fairly self-explanatory in what it covers.

Third party,, third party, fire and theft and comprehensive coverage are basic and separate vehicle policies. Now let’s look at what you might need to purchase these policies.

Driving Record

South African law requires the operator of a scooter or moped to be licensed to operate it, and they have minimum age requirements. You need to be eighteen for a full driver’s license and seventeen to get a learners permit.

Mileage

The insurance company may need to know how much your scooter will be on the road. The way they get an idea of this is to ask you how much you plan on driving around on your scooter. The amount you tell them can affect how much you pay.

Security

If you are considering buying a comprehensive policy the insurance company will nearly insist that you purchase an approved locking device to keep your scooter secured whenever you are not riding it. The insurance company can actually make this request before insuring you if they want to. Their thinking is that if your scooter is appropriately secured there is less chance of it being stolen. If you scooter is stolen and was not properly secured you will have a very difficult time getting the insurance to pay for it.

Shopping For Scooter Insurance Coverage

There are many automobile and motorcycle insurance companies to choose from in South Africa today, but not all will insure scooters or mopeds. Honestly speaking, it is not very lucrative for them to do so. The money they make from such coverage is minimal at best. But there are some insurance companies out there that would like to provide insurance coverage for your scooter.

After finding a few insurance companies that do insure scooters and mopeds call each one and get a quote from them. You should find that coverage for a scooter is relatively inexpensive and affordable.

Technorati Tags: Scooter Insurance

Where the cost of petrol seems to rise daily. Scooters were designed from the outset with the commuter in mind, offering a more comfortable alternative to the traditional motorcycle.

The Scooter has smaller wheels and a foot well allowing the rider to sit with his or her feet facing forward and not requiring the rider to fully straddle the seat as with a conventional motorcycle. This design makes scooters ideal for city commutes by riders requiring to wear smart dress.

Scooters have changed little in style since their early development days when the design incorporated most of the features we can still see and associate with the modern motor scooter.

Scooter Insurance as with all other forms of automotive insurance are a legal requirement and can be quite costly depending on previous scooter insurance history the age and experience of the scooter rider and other factors such as previous claims history and geographic location, for instance it can be more expensive to insure a scooter depending on the area in which you live.

If an area has a higher than usual rate of claims, accidents or crime then this can effect the cost of your scooter insurance cover.

If your now looking for scooter insurance it is well worth comparing insurance prices online as a number of motorcycle and scooter comparison sites have now sprung up on the web offering you the customer the chance to compare policies in one place. Its also worth baring in mind that most insurers are always on the look out for new custom and as such are quite often willing to offer attractive policies and premium prices for new customers.

So even if you have been with the same scooter insurer for sometime and have an active no claims bonus built up, it can still be worth your while to take some time out to compare rival insurance companies offers, the aim with insurance is to balance cost of premium with peace of mind, this you should be able to do without first buying a policy by checking out forums and discussions online from other scooter owners and their insurance experiences.

Finding and buying Scooter insurance may seem a chore and not one most of us will go into with a smile on our faces, but life has been made a lot easier with the explosion of online insurance deals, further savings can also be made by buying a policy directly online where some motorcycle insurers will offer generous discounts of as much as 10% for a policy bought online. If your looking now for scooter insurance and your keen to find the cheapest scooter insurance

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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.

Technorati Tags: Cheap Scooter Insurance, Scooter Insurance

Ok so there have been a few ‘moments’ and I have been freezing and soaked some nights but my wallet is enjoying the saving. However last night someone came into the shop and asked a question that I hate answering (because I have answered it so many times). Are scooters a safe mode of transport?

Motor scooters, both electric scooters and gas scooters, are a style of miniature motorcycle that have a step through frame and have become a very popular method of travel all over the world. They have been scooting out of show rooms at record speed. But what many people do not realize is that motor scooters are classified as motor vehicles when it comes to highway regulations. And although they are an object of desire for many they can also be dangerous for many.

Scooters are like cars; if you drive or ride like an idiot you will end up dead in a ditch or even worse killing someone else and ending up dead in a ditch. The amount of responsibility that you are trusted with is crazy. However unlike cars you can ride a scooter at the age of 16. (We have some great tips about getting cheaper scooter insurance for teens available).

With a careful riding a scooter can be as safe as any other vehicle on the road. But accidents frequently occur when scooter drivers think they are exempt from the conventions that apply to cars. Another thing to keep in mind is that scooters don’t offer the same protection as a car. Just like a motorbike you need to be extra vigilant while on a scooter. You might also want to put the scooter away for 5 months over winter.

Darting in and out of traffic with little driving experience, on a motor scooter that is so small it cannot be seen by other drivers, poses a hazard to both the scooter driver and other motorists traveling the highway. To be safe a motor scooter driver must think of himself as being invisible to the other drivers making their way down the busy streets. A scooter driver cannot assume that other drivers will see them.

A safe approach for a scooter driver would be to assume that they are completely invisible to other drivers and then act accordingly. A motor scooter rider must be ready to maneuver out of harm’s if another driver makes a sudden unexpected movement. Being safe means staying alert at all times. Being safe also means following the rules of the road and not making unnecessary or risky moves in traffic that would cause their moped scooter to dart out in front of another moving vehicle. Automobile drivers must have time to react to a scooter driver’s movements.

There are many reasons to own a motorized scooter. They are often used for traveling short distances around the neighborhood to perform errands. Due to their size, fuel-efficiency, weight, and typically larger storage room than a motorcycle, they are ideal in this situation. But in the hands of the youth, without any previous driving experience, they can be deadly.

The quadbikes, go carts, dirt bikes and mini bikes are other racing vehicles that are often owned and operated by younger drivers. quadbikess are usually used off road along with dirt bikes and mini bikes. Go karts are typically driven on paved tracks specifically made for the go cart. The go kart, mini bike, dirt bike or quadbikess don’t usually get out on the open road where there are cars to contend with. Therefore they also avoid many of the dangers that scooter drivers must face.

Kids often think of motor scooters as toys, not as adult vehicles. But a scooter is not a toy. It’s a potentially dangerous motor vehicle subject to certain laws and regulations. Also, youth often think of themselves as being immune to automobile driving regulations and immune to accidents as well. “It won’t happen to me” is a very common attitude among the youth. But it’s precisely this attitude that can get them into trouble.

People need to be aware of the potential motor scooter dangers and take appropriate action. Scooter riders should pay special attention while driving, making sure not to drive erratically, but to be predictable and courteous to other drivers on the road.

Both kids and adults need training and experience before attempting to maneuver their scooters out in traffic. If parents will take a little time to train their children, making sure they are aware of the rules of the road before they are allowed to travel on them, it could make driving a pleasure instead of a danger. With a little training and some wise words of advice we can all make a difference in the lives of the youth. Give them some training and experience and their motor scooters may be an object of fun instead of injury.

Technorati Tags: Scooter News

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.

Technorati Tags: Motor Scooter Insurance, Scooter Insurance

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.

Technorati Tags: Cheap Scooter Insurance, Scooter Insurance, Scooter Insurance Companies

One day while riding home I got taken out by a tart in a red Volvo who was too busy yelling at her kids and messing around with her hair to notice me when she made a left turn and guess what - she hit me side on sending me flying into the gutters. It wasn’t dark, I wasn’t wearing ninja style camouflage and I wasn’t out of view.

The result of her not looking where she was going? A written off scooter a broken leg and wrist and a lot of cuts and bruises. She stopped and began yelled at me while I lay there, cartoon birds tweeting around my head. More concerned that I had inconvenienced her than anything else she quickly exchanged insurance details before speeding off.

Back then I thought ’shit happens’ and proceeded to worry about my recovery; however although I was more than insured on my scooter insurance, I still had the issue of not being able to work for 8 weeks.

If it happened today I would be well up shit creek (and now for the shameless advertising plug)…

That’s why I would use Claim Converter!

They work with a nationwide network of personal injury specialist law firms who handle accident claims throughout the UK.

Scooter Accident Claims

Simply fill in this form and let them get you the compensation that you deserve.

Technorati Tags: Scooter Accident Claims, Scooter Insurance

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.

Technorati Tags: Scooter Insurance, scooter insurance for teens

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.

Technorati Tags: Scooter Insurance UK

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.

Technorati Tags: cheap moped insurance, Moped Insurance