Scooter Insurance
Combining our 120 years of motoring expertise with our approved panel of insurers, we can provide you with the right policy at the right price. Choose either our standard Bike Insurance product or our enhanced Bike Insurance Plus, and tailor with a range of Optional Extras. All RAC Members are automatically upgraded to our Bike Insurance Plus for free!
A scooter can be cheaper to run, so having the right cover to compliment your scooter will help you make further savings to provide a cost effective way to get from A to B.
✓ 24/7 claims management service
✓ 90 days EU cover as standard
✓ Exclusive members offer1 - free upgrade to our Bike Insurance Plus. See below for cover details
Why choose RAC Scooter Insurance?
RAC Bike Insurance
RAC Bike Insurance Plus
24/7 claims management service
Minimum of 90 days EU cover
NCD discount available (including NCD up to three years old for returning bikers)
Flexible cover options including multi-bike policies and cover for accessories and modifications
Choose from comprehensive; third party, fire and theft; and third party only cover
Helmet & Leathers cover included
Personal Accident cover included
Optional Extras - tailor your cover to suit your needs
- Personal Accident Cover - Give yourself and your family peace of mind should you experience an accident on your motorbike with cover of up to £25,000 in the event of: accidental death, loss of sight, loss of limb or permanent total disability. Included with Bike Insurance Plus
- Excess Protect Cover - Claim up to £600 of your policy excess back in the event of: accidental damage, fire, theft or vandalism
- Helmet & Leathers Cover - up to £1,000 cover for your helmet, protective clothing, leathers, gloves and boots following an accident regardless of who was to blame for the accident. This covers you on any bike you are riding, providing you are permitted to do so. Included with Bike Insurance Plus
- Legal Expenses Cover - Protect yourself after an accident that wasn’t your fault, with up to £100,000 of legal costs to help you seek recovery of uninsured losses
- Replacement Vehicle Cover - Provides a replacement bike for up to 14 days in the event of your vehicle being unrideable following: theft, attempted theft, fire, vandalism and accidental damage
- Key Protect Cover - All keys belonging to immediate family living in the household are protected against loss, theft and breakage
- RAC Breakdown Cover (UK and European options available) - 24 hour assistance in the event of a bike breakdown
Full terms and conditions of these products can be found in the Policy Wording.
Types of cover
✓ Third party only - Covers damage to other people's vehicles and property.
✓ Third party, fire and theft - This policy covers the same as third party only, but also includes, theft of vehicle, damage to your vehicle during theft and fire damage.
✓ Comprehensive policy – The most wide-ranging level of cover. This policy includes everything covered by Third party, fire and theft along with accidental damage cover and loss or damage to your scooter.
Why do I need Scooter Insurance?
Motorbike Insurance offers riders cover that echoes the lower costs and reduced risks that come with owning a scooter. Often more practical than owning a considerably larger vehicle, like a sports motorbike, especially when it comes to manoeuvring around busy city centres, scooters offer motorists a sensible and cost effective alternative for short commutes or quick visits to the shops:
- With the level of freedom they provide to younger riders, not having to wait that extra year to take their driving licence, or having to rely on the night bus to get home, or worse, needing to get a lift from mum and dad, scooters are ever popular with youngsters.
- Likewise, speed limiters on modern scooters mean most vehicles won’t go over 30mph. The savings that can be made with the amazing fuel economy mean scooters are popular with parents alike; knowing their children will be riding safely and cheaply.
- For the more experienced rider having a smaller vehicle to make the shorter trips can prove to be a great money saver.
With a number of similar vehicles on the market, the UK definition of a scooter is a light motorcycle with small wheels, with an engine size of 49cc or above, and a step through frame that is usually combined with rear mounted engine. These smaller sized vehicles, with their reduced risks and lower costs, means once a young motorist passes their CBT test and gets their ‘L’ plates, they can take the next step of applying to get insurance and get their scooter on the road.
As it is mandatory in the UK for all vehicles to be insured it is therefore a legal requirement for your scooter to be insured. Regardless of whether you only use your scooter during the summer holidays or have it stored somewhere for the winter, it has to be insured. Exceptions are only given to vehicles with a SORN (Statutory Off Road Notice) sent to them by the DVLA. With the government cracking down on motorists with Continuous Insurance Enforcement (CIE) regulations, motorists without insurance can find themselves with a £1,000 fine, possible court prosecution or your scooter being seized and destroyed.