{"id":1947,"date":"2025-06-24T14:45:35","date_gmt":"2025-06-24T14:45:35","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1947"},"modified":"2025-10-17T14:07:11","modified_gmt":"2025-10-17T12:07:11","slug":"insurance-for-mopeds","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/","title":{"rendered":"Moped Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFComo_contratar_seguros_para_ciclomotores\" >How to take out insurance for mopeds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFEs_obligatorio_contratar_un_seguro_para_ciclomotor\" >Is it compulsory to take out moped insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFQue_cubre_el_seguro_obligatorio\" >What does compulsory insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFQue_cubre_un_seguro_de_ciclomotor_mas_completo\" >What does a more comprehensive moped insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFY_si_nadie_quiere_asegurarte\" >What if no one wants to insure you?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#Diferencia_entre_seguro_para_moto_y_ciclomotor\" >Difference between motorbike and moped insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFQue_debo_valorar_antes_de_contratar_un_seguro\" >What should I consider before taking out insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#Conclusion_no_te_la_juegues_con_el_seguro_de_ciclomotor\" >Conclusion: don't gamble with moped insurance.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#Preguntas_frecuentes\" >Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFEs_obligatorio_el_seguro_para_ciclomotor_en_Espana\" >Is insurance for mopeds compulsory in Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFQue_diferencias_hay_entre_el_seguro_de_ciclomotor_y_el_de_moto\" >What are the differences between moped and motorbike insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-mopeds\/#%C2%BFQue_coberturas_incluye_un_seguro_de_ciclomotor_para_uso_urbano\" >What coverages are included in a moped insurance for urban use?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_contratar_seguros_para_ciclomotores\"><\/span>How to take out insurance for mopeds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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?<\/p>\n<p>In this article we answer these questions. We explain in a clear way what you should take into account for <strong>taking out insurance for mopeds<\/strong>What options are available and why it is not always a good idea to choose the cheapest.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEs_obligatorio_contratar_un_seguro_para_ciclomotor\"><\/span>Is it compulsory to take out moped insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, if you own a moped, <strong>you are bound by law<\/strong> to have insurance that covers <strong>civil liability<\/strong>. This means that if you cause damage to another person or their vehicle while driving, your policy takes over.<\/p>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_el_seguro_obligatorio\"><\/span>What does compulsory insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>basic compulsory insurance<\/strong> only covers damage you cause to third parties:<\/p>\n<ul>\n<li>Injury or death of others.<\/li>\n<li>Material damage to vehicles, buildings or other objects.<\/li>\n<\/ul>\n<p>But <strong>does not cover your own damage or that of the moped<\/strong>, nor <a class=\"wpil_keyword_link\" title=\"roadside assistance\" href=\"https:\/\/lawebdeseguros.com\/en\/special-insurances\/roadside-assistance\/\" data-wpil-keyword-link=\"linked\">roadside assistance<\/a> no legal defence if you are the one who has made the mistake.<\/p>\n<p>For this reason, many people choose to <strong>complement<\/strong> that insurance with additional coverage.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_de_ciclomotor_mas_completo\"><\/span>What does a more comprehensive moped insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insurers often offer cover which, although not compulsory, is highly recommended if you use your moped on a daily basis or for urban journeys:<\/p>\n<ul>\n<li><strong>Roadside assistance<\/strong>in case you get stranded.<\/li>\n<li><strong>Legal defence<\/strong>in the event of a legal dispute.<\/li>\n<li><strong>Personal accidents<\/strong>if you, as the driver, suffer damage.<\/li>\n<li><strong>Theft or fire<\/strong>to protect the vehicle in extreme situations.<\/li>\n<\/ul>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFY_si_nadie_quiere_asegurarte\"><\/span>What if no one wants to insure you?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Some companies may not want to insure you, especially if you are a novice or young driver, or if your moped has unusual characteristics.<\/p>\n<p>In such cases, you can turn to the <strong>Insurance Compensation Consortium<\/strong>The insurance company, a public body that offers insurance when private insurers do not.<\/p>\n<p>Afterwards, you can <strong>supplementing what is not covered by the consortium<\/strong> 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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Diferencia_entre_seguro_para_moto_y_ciclomotor\"><\/span>Difference between motorbike and moped insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although they look similar, they are not.<\/p>\n<ul>\n<li><strong>Moped insurance<\/strong> is aimed at smaller displacement vehicles (up to 50cc), more limited in speed and often used in the city or by young people.<\/li>\n<li><strong>Motorbike insurance<\/strong> usually involves higher risks (speed, power) and therefore may include other coverages or conditions.<\/li>\n<\/ul>\n<p>This implies differences in:<\/p>\n<ul>\n<li>The <strong>price of insurance<\/strong> (although not detailed here, it can have an influence).<\/li>\n<li>The <strong>guarantees they offer<\/strong>.<\/li>\n<li>The <strong>driver requirements<\/strong>such as age or experience.<\/li>\n<\/ul>\n<p>So if you are changing vehicles or buying a new one, it's a good idea to check which category it fits into.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Drive calmly, with everything in order<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Request information about your moped insurance and make sure you comply with the law and are well protected on the road.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Circula+tranquilo%2C+con+todo+en+regla\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for advice                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_debo_valorar_antes_de_contratar_un_seguro\"><\/span>What should I consider before taking out insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Beyond complying with the law, <strong>choosing your insurance wisely is essential<\/strong> to avoid disappointment. Don't just focus on the price.<\/p>\n<p>We recommend that you take into account:<\/p>\n<ul>\n<li><strong>The service offered by the company<\/strong>if it responds quickly, if it has a good telephone answering service, etc.<\/li>\n<li>If it is attached to the <strong>SINCO file<\/strong> (claims consultation) or to agreements such as <strong>CIDE, ASCIDE or SDM<\/strong>which facilitate accident management.<\/li>\n<li>The <strong>clarity of the contract<\/strong>Make sure you have a good understanding of what is included and what is not.<\/li>\n<\/ul>\n<p>And if you have doubts or do not know where to start, <strong>get in touch with us<\/strong> from <a href=\"\/en\/contact\/\"><span data-no-translation>La Web de Seguros<\/span><\/a> We will advise you to find the best option according to your profile.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion_no_te_la_juegues_con_el_seguro_de_ciclomotor\"><\/span>Conclusion: don't gamble with moped insurance.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insure your moped <strong>it is not an option, it is an obligation<\/strong>It is also a way of protecting yourself and others.<\/p>\n<p>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.<\/p>\n<p>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, <a href=\"https:\/\/lawebdeseguros.com\/en\/\">visit our website<\/a> and we will guide you step by step.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFEs_obligatorio_el_seguro_para_ciclomotor_en_Espana\"><\/span>Is insurance for mopeds compulsory in Spain?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, it is a legal requirement to have at least liability insurance to be able to drive a moped.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue_diferencias_hay_entre_el_seguro_de_ciclomotor_y_el_de_moto\"><\/span>What are the differences between moped and motorbike insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Mainly the power of the vehicle and the profile of the driver. Motorbikes have different coverage and conditions due to their higher risk.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue_coberturas_incluye_un_seguro_de_ciclomotor_para_uso_urbano\"><\/span>What coverages are included in a moped insurance for urban use?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It depends on the policy, but the most common are roadside assistance, legal defence, personal accident and theft or fire cover.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-info\" ><div class=\"vc_message_box-icon\"><i class=\"fa fa-solid fa-circle-info\"><\/i><\/div><p><strong>Do you want to see in more detail all the guarantees that can be included in a moped insurance?<\/strong> You can consult them here: <a href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/moped-insurance-guarantees\/\">See insurance guarantees for mopeds<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Basic and complete coverage for low displacement mopeds. Ideal for urban journeys, with assistance, damage and civil liability options.<\/p>","protected":false},"author":2,"featured_media":2531,"parent":1895,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[22],"class_list":["post-1947","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-para-vehiculos","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1947","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1947"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1947\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2531"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}