How to take out insurance for mopeds?
Maybe you've just bought a moped, or you're looking to change your current insurance. You may already know that it's compulsory to have one... but which one is right for you, what exactly does it cover, and what if no one wants to insure you because you're young or inexperienced?
In this article we answer these questions. We explain in a clear way what you should take into account for taking out insurance for mopedsWhat options are available and why it is not always a good idea to choose the cheapest.
Is it compulsory to take out moped insurance?
Yes, if you own a moped, you are bound by law to have insurance that covers civil liability. This means that if you cause damage to another person or their vehicle while driving, your policy takes over.
The law does not distinguish whether it is a 49cc, electric or petrol moped. As long as it has an engine and circulates on public roads, it must be insured.
What does compulsory insurance cover?
The basic compulsory insurance only covers damage you cause to third parties:
- Injury or death of others.
- Material damage to vehicles, buildings or other objects.
But does not cover your own damage or that of the moped, nor roadside assistance no legal defence if you are the one who has made the mistake.
For this reason, many people choose to complement that insurance with additional coverage.
What does a more comprehensive moped insurance cover?
Insurers often offer cover which, although not compulsory, is highly recommended if you use your moped on a daily basis or for urban journeys:
- Roadside assistancein case you get stranded.
- Legal defencein the event of a legal dispute.
- Personal accidentsif you, as the driver, suffer damage.
- Theft or fireto protect the vehicle in extreme situations.
Choosing which coverages you are interested in depends on your use and needs. A moped you use to go to school is not the same as a moped you use for everyday work.
What if no one wants to insure you?
Some companies may not want to insure you, especially if you are a novice or young driver, or if your moped has unusual characteristics.
In such cases, you can turn to the Insurance Compensation ConsortiumThe insurance company, a public body that offers insurance when private insurers do not.
Afterwards, you can supplementing what is not covered by the consortium with private insurance products. In other words, if the consortium only offers you basic insurance, you can take out roadside assistance, legal defence or other coverage separately.
Difference between motorbike and moped insurance
Although they look similar, they are not.
- Moped insurance is aimed at smaller displacement vehicles (up to 50cc), more limited in speed and often used in the city or by young people.
- Motorbike insurance usually involves higher risks (speed, power) and therefore may include other coverages or conditions.
This implies differences in:
- The price of insurance (although not detailed here, it can have an influence).
- The guarantees they offer.
- The driver requirementssuch as age or experience.
So if you are changing vehicles or buying a new one, it's a good idea to check which category it fits into.
Drive calmly, with everything in order
Request information about your moped insurance and make sure you comply with the law and are well protected on the road.
What should I consider before taking out insurance?
Beyond complying with the law, choosing your insurance wisely is essential to avoid disappointment. Don't just focus on the price.
We recommend that you take into account:
- The service offered by the companyif it responds quickly, if it has a good telephone answering service, etc.
- If it is attached to the SINCO file (claims consultation) or to agreements such as CIDE, ASCIDE or SDMwhich facilitate accident management.
- The clarity of the contractMake sure you have a good understanding of what is included and what is not.
And if you have doubts or do not know where to start, get in touch with us from La Web de Seguros We will advise you to find the best option according to your profile.
Conclusion: don't gamble with moped insurance.
Insure your moped it is not an option, it is an obligationIt is also a way of protecting yourself and others.
There are many companies, products and coverages available. And while it may be tempting to go for the cheapest insurance, that's not always the smartest thing to do.
Good advice can make the difference between being well covered or facing serious problems after an accident. If you would like us to help you find the right insurance for you, visit our website and we will guide you step by step.
Frequently asked questions
Is insurance for mopeds compulsory in Spain?
Yes, it is a legal requirement to have at least liability insurance to be able to drive a moped.
What are the differences between moped and motorbike insurance?
Mainly the power of the vehicle and the profile of the driver. Motorbikes have different coverage and conditions due to their higher risk.
What coverages are included in a moped insurance for urban use?
It depends on the policy, but the most common are roadside assistance, legal defence, personal accident and theft or fire cover.